It benefitted from comments by Stephane Carcillo, Michele Cecchini and Peter Wyckoff (all from the OECD Directorate for Employment, Labour and Social Affaris). The chapter benefitted from comments by Gabriel Gomes from the OECD Economics Department. This chapter has benefitted from comments by Sebastian Schich from the OECD Directorate of Financial and Enterprise Affairs and Herve Kieffel.