Hany Guirguis Manhattan College   4513 Manhattan College Pkwy Bronx, NY 10471 USA   hany.guirguis@manhattan.edu   https://manhattan.edu/campus-directory/hany.guirguis           JEL Areas: E : Macroeconomics and Monetary Economics E3 : Prices, Business Fluctuations, and Cycles: General (includes Measurement and Data)