Martina Eckardt is Professor of Public Finance and Public Policy at Andrássy University Budapest (AUB). Along with her affiliation to AUB, she is member of faculty at the University of Bamberg, Germany. Prof. Eckardt holds a Ph. D. of the University of Jena and the venia legendi in economics of the University of Rostock; she was Teaching and Research Assistant at the University of Bamberg, Assistant Professor at the Unviersity of Rostock and Associate Professor at the University Witten-Herdecke, Germany. Her main fields of research are comparative Law and Economics, evolutionary and institutional economics and industrial economics. Related to the topic "Old-Age Provision and Homeownership", she has published i.e. on insurance economics, pension policy and the pensions OMC.

Stefan Okruch is Professor of Economic Policy at Andrássy University Budapest (AUB), where he also gathered rich experience in international Academic Management. Along with his affiliation to AUB, he is member of faculty at the University of Bamberg, Germany, and visiting professor at the University of Bayreuth, Semmelweis University Budapest, and Hamburg School of Business Administration. He holds a Ph.D.  and the venia legendi in economics of the University of Bayreuth; he was senior research fellow at the interdisciplinary Max Planck Institute on Common Goods in Bonn, Germany. His main fields of research are evolutionary and institutional economics with a strong interdisciplinary bias (especially Law & Economics, Economics and Policy Learning). Related to the topic "Old-Age Provision and Homeownership", he has published i.e. on Social Security reform, and on policy learning and the pensions OMC.