   \newcommand{\CGrowCross}{\Delta \log       \mathbf{c} _{t+1,i}  &=&  \varsigma + \chi \Delta \log      \mathbf{c} _{t,i} + \eta     {\mathbf{E}}_{t,i}[\Delta \log       \mathbf{y} _{t+1,i}]+ {\alpha} \underline{     a }_{t,i}}
\newcommand{\CGrowCrossBar}{\Delta \log  \bar{\mathbf{c}}_{t+1,i}  &=&  \varsigma + \chi \Delta \log \bar{\mathbf{c}}_{t,i} + \eta     {\mathbf{E}}_{t,i}[\Delta \log \bar{\mathbf{y}}_{t+1,i}] + {\alpha} {\bar{a}}_{t,i}}
