Sook-lu Yong Faculty of Business and Economics, University of Malaya   Faculty of Business and Economics University of Malaya Kuala Lumpur, 50603 Malaysia   yongsl@um.edu.my             JEL Areas: L1 : Market Structure, Firm Strategy, and Market Performance: General E2 : Macroeconomics: Consumption, Saving, Production, Employment, and Investment: General (includes Measurement and Data)