First Author:   Amar Iqbal Anwar Ted Rogers School of Management, Ryerson University amar.iqbal.anwar@gmail.com   575 Bay Street, Toronto, Ontario, Canada, M5G 2C3, Toronto Toronto, M5G 2C3, Canada   +1 4168302175(Phone) +1 4168302175(Fax) Second Author: Mazhar Yaseen Mughal Centre dAnalyse et Traitement Th´eorique des Donn´ees mayher.yasinmughal@univ-pau.fr   Pau, 64 000, France   +33 5 59 40 80 00(Phone) +33 5 59 40 80 90(Fax)