Horacio Matos-Diaz University of Puerto Rico at Bayamon   3409 Isla Verde Avenue Apt. 1102 Cond. Las Gaviotas Carolina, PR 00979-4903 Puerto Rico   horacio72@coqui.net     Biographical Sketch: BA (1976) and MA (1978) in Economics, University of Puerto Rico at Rio Piedrs Campus, Ph.D.(2000) in Economics, Kansas State University Actual position: Professor of Economics, University of Puerto Rico at Bayamon   Primary Research Focus: Economics of education and human capital theory   JEL Areas: