First Author:   Unal Zenginobuz Bogazici University zenginob@boun.edu.tr   Bogazici University, Bogazici University, P.K. 2 Bebek Istanbul, TR 34342, Turkey   (+90) 212 359 76 44(Phone) (+90) 212 359 76 44(Fax) www.econ.boun.edu.tr/zobuz Second Author: Haldun Evrenk Suffolk University hevrenk@suffolk.edu