First Author:   Ismail Saglam Department of Economics, Ipek University isaglam@ipek.edu.tr   Ankara, Turkey       Second Author: Esra Eren Bayindir Department of Economics, Ipek University ebayindir@ipek.edu.tr   Ankara, Turkey       Third Author: Mehmet Yigit Gurdal Department of Economics, Bogazici University mehmet.gurdal@boun.edu.tr   Istanbul, Turkey