Takuji Kinkyo Graduate School of Economics, Kobe University   2-1, Rokkodai Nada-ku Kobe, 657-8501 Japan   kinkyo@econ.kobe-u.ac.jp   http://www.econ.kobe-u.ac.jp/www-old/english/staff/comparative/kinkyo.html           JEL Areas: G1 : General Financial Markets: General (includes Measurement and Data) I1 : Health: General