First Author:   Paul E. Gabriel Loyola University Chicago pgabrie@luc.edu   Quinlan School of Business, Loyola University Chicago, 820 N. Michigan Ave. Chicago, 60611, USA   312 915-6070(Phone) 312 915-6070(Fax) Second Author: Susanne Schmitz Elmhurst College susans@elmhurst.edu   Elmhurst College, Elmhurst College, 190 Prospect Ave. Elmhurst, 60126, USA   630 617-3115(Phone)