First Author:   Robert W. Turner Colgate University rturner@mail.colgate.edu   Department of Economics, Colgate University Hamilton, 13346, USA   315-853-3406(Phone) 315-853-3406(Fax) Second Author: Laura Noddin Dartmouth Medical School Laura.R.Noddin@Dartmouth.EDU   PMB 284, 201 US Route 1 Scarborough, 04074-9048, USA   603-643-8082(Phone)   Third Author: Alita Giuda Albany Law School ado928@yahoo.com   Apartment 1, 12 South Main Street Albany, 12208-2618, USA   518-482-4455(Phone)