First Author:   Afees Salisu University of Ibadan aa.salisu@mail.ui.edu.ng   Department of Economics, University of Ibadan Ibadan, +234, Nigeria   +2348034711769(Phone) +2348034711769(Fax) Second Author: Idris Ademuyiwa University of Ibadan idris_ademuyiwa@yahoo.com   University of Ibadan, University of Ibadan Ibadan, +234, Nigeria