First Author:   Oksana Loginova University of Missouri-Columbia loginovao@missouri.edu   118 Professional Building Columbia, 65211, United States   1-573-882-0063(Phone) 1-573-882-0063(Fax) http://web.missouri.edu/~loginovao/ Second Author: X. Henry Wang University of Missouri-Columbia wangx@missouri.edu   118 Professional Building Columbia, 65211, United States   1-573-882-0063(Phone) 1-573-882-2697(Fax) http://economics.missouri.edu/people/wang.shtml