James Murray University of Wisconsin - La Crosse   1725 State Street 1725 State Street La Crosse, WI 54601 USA   murray.jame@uwlax.edu   http://www.murraylax.org           JEL Areas: E3 : Prices, Business Fluctuations, and Cycles: General (includes Measurement and Data) E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General