First Author:   Daniel Giedeman Grand Valley State University giedemad@gvsu.edu   Seidman College of Business, 410 West Fulton St. Grand Rapids, 49504, USA   616-331-7488(Phone) 616-331-7488(Fax) Second Author: Ryan Compton University of Manitoba compton@cc.umanitoba.ca   Department of Economics, University of Manitoba Winnipeg, R3T 5V5, Canada   204-474-9520(Phone)