First Author:   DomeNico Raguseo Economics Faculty (University Matej Bel) domenico.raguseo@umb.sk   Tajovskeho 10, 97590 Banska Bystrica, Slovakia Banska Bystrica, 97590, Slovakia   00421 (0)48 446 2318(Phone) 00421 (0)48 446 2318(Fax) http://www.ef.umb.sk/ef/indexe.asp?zid=491&uid=548 Second Author: Jan Sebo Economics Faculty (University Matej Bel) jan.sebo@umb.sk   Tajovskeho 10, 97590 Banska Bystrica, Slovakia Banska Bystrica, 97590, Slovakia   00421 (0)48 446 2319(Phone) 00421 (0)48 415 2788(Fax) http://www.ef.umb.sk/ef/indexe.asp?zid=214&uid=548