Addressing longevity heterogeneity in pension scheme design and reform / Mercedes Ayuso (University of Barcelona), Jorge Miguel Bravo (NOVA IMS, Université Paris-Dauphine and ORBio, Portuguese Insurers Association), Robert Holzmann (Austrian Academy of Sciences, CEPAR (UNSW), University of Malaya, IZA and CESifo) ; IZA. Bonn : IZA, November 2016