Heather L. Bednarek Saint Louis University   Department of Economics Saint Louis University 3674 Lindell Blvd St. Louis, Missouri 63108 United States   bednarhl@slu.edu   http://business.slu.edu/departments/economics/faculty-staff/           JEL Areas: C1 : Econometric and Statistical Methods: General C3 : Multiple or Simultaneous Equation Models: General