Dimitris Hatzinikolaou University of Ioannina, Department of Economics   Department of Economics University of Ioannina Ioannina, 451 10 GREECE   dhatzini@cc.uoi.gr             JEL Areas: E2 : Macroeconomics: Consumption, Saving, Production, Employment, and Investment: General (includes Measurement and Data) C5 : Econometric Modeling: General