First Author:   Steven W. Sumner Department of Economics, School of Business, University of San Diego sumner@sandiego.edu   School of Business Administration, University of San Diego, 5998 Alcala Park San Diego, 92110, USA   619-260-7469(Phone) 619-260-7469(Fax) http://www.sandiego.edu/~sumner Second Author: Guy Yamashiro California State University, Long Beach gyamashi@csulb.edu   California State University, Long Beach, California State University, Long Beach, 1250 Bellflower Boulevard Long Beach, 90840, USA   562-985-5054(Phone) 562-985-5804(Fax)