Hammad Siddiqi Northern Illinois University, Dekalb, IL   Zulauf Hall, 515, Department of Economics Northern Illinois University Dekalb, IL 60115 USA   hammadniu@yahoo.com   http://www.niu.edu/econ/Directory/siddiqi.shtml       Primary Research Focus: paradoxes in economics especially in asset pricing. Theory of formation of expectations. Growth and Fluctuations   JEL Areas: G0 : Financial Economics: General D8 : Information, Knowledge, and Uncertainty: General