Miltos Germenis Research Assistant Τel: 210 9211234 E-mail: migerm@iobe.gr   Was born at 1961 in Piraeus, studied Business Administration at the Graduate School of Industrial Sciences of Piraeus. During 1987-1989 he worked as Accountant Associate to Construction Companies. After 1989 he worked in Information Technology seminars. He is now Research Associate to the Statistical and Analysis Department of the Microeconomic Analysis and Policy Department of IOBE.