Pei pei Tan Department of Economics, Faculty of Economics and Administration, University of Malaya   Faculty of Economics and Administration Faculty of Economics and Administration University of Malaya Kuala Lumpur, 50603 Malaysia   peipei@um.edu.my   http://umexpert.um.edu.my/papar_cv.php?id=AAAJxnAAQAAAGGhAAD           JEL Areas: C1 : Econometric and Statistical Methods: General G0 : Financial Economics: General