Steven W. Sumner Department of Economics, School of Business, University of San Diego   School of Business Administration University of San Diego 5998 Alcala Park San Diego, CA 92110 USA   sumner@sandiego.edu   http://www.sandiego.edu/~sumner           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