Karlan, DeanGine, XavierZinman, Jonathan2012-03-302012-03-302010American Economic Journal: Applied Economics19457782https://hdl.handle.net/10986/5779We designed and tested a voluntary commitment product to help smokers quit smoking. The product (CARES) offered smokers a savings account in which they deposit funds for six months, after which they take a urine test for nicotine and cotinine. If they pass, their money is returned; otherwise, their money is forfeited to charity. Of smokers offered CARES, 11 percent took up, and smokers randomly offered CARES were 3 percentage points more likely to pass the 6-month test than the control group. More importantly, this effect persisted in surprise tests at 12 months, indicating that CARES produced lasting smoking cessation.ENConsumer Economics: Empirical Analysis D120Health Production I120Economic Development: Human ResourcesHuman DevelopmentIncome DistributionMigration O150Journal ArticleWorld Bank