Yuji Mori Kyushu Kyoritsu University   1-8, Jiyugaoka,Yahatanishi-ku Kitakyushu-shi, Fukuoka, , 807-8585 Japan   yujimori@fuji.waseda.jp             JEL Areas: G2 : Financial Institutions and Services: General G1 : General Financial Markets: General (includes Measurement and Data)