First Author:   Dimitris Christopoulos Department of Economic and Regional Development, Panteion University christod@panteion.gr   136 Syngrou Ave. Athens, 176 71, Greece   ++30-10-9224948(Phone) ++30-10-9224948(Fax) Second Author: Eftymios Tsionas Athens University of Economics and Business tsionas@aueb.gr   76 Patission Street Athens, 104 34, Greece   ++30-10-8203392(Phone)