First Author:   Cheryl Long Colgate University cxlong@mail.colgate.edu   Department of Economics, Colgate University, 13 Oak Drive Hamilton, 13346, U.S.   315-228-7024(Phone) 315-228-7024(Fax) Second Author: Richard Boylan Culver College of Commerce and Business Administration, University of Alabama rboylan@cba.ua.edu