Shigeru Matsumoto Kansai University   3-3-35 Yamate-cho Suita, Osaka 564-8680 JAPAN   kshigeru@ipcku.kansai-u.ac.jp   http://www2.ipcku.kansai-u.ac.jp/~kshigeru/index-e.html           JEL Areas: A : General Economics and Teaching