First Author:   Ossama Mikhail Dept. of Economics - College of Business Administration - University of Central Florida omikhail@bus.ucf.edu   Univ of Central FL, 4000 Central FL blvd., CBA 2 - 302 Orlando, 32816-1400, USA   407-823-4258(Phone) 407-823-4258(Fax) http://www.bus.ucf.edu/omikhail