First Author:   Pedro de Araujo Colorado College Pedro.deAraujo@ColoradoCollege.edu   Department of Economics and Business, 14 E. Cache La Poudre Street Colorado Springs, 80903, USA   (719)389-6470(Phone) (719)389-6470(Fax) http://personalwebs.coloradocollege.edu/~pdearaujo/ Second Author: James Murray University of Wisconsin - La Crosse murray.jame@uwlax.edu   1725 State Street, 1725 State Street La Crosse, 54601, USA   (608)406-4068(Phone)   http://www.murraylax.org