First Author:   Daniel Mizak Frostburg State University dmizak@frostburg.edu   Department of Economics, 101 Braddock Road Frostburg, 21532, USA   301-687-4096(Phone) 301-687-4096(Fax) Second Author: Anthony Stair Frostburg State University astair@frostburg.edu   Department of Economics, 101 Braddock Road Frostburg, 21532, USA   301-687-4788(Phone) 301-687-4760(Fax) Third Author: John Neral Frostburg State University jneral@frostburg.edu   Department of Economics, 101 Braddock Road Frostburg, 21532, USA   301-687-4265(Phone) 301-687-4760(Fax)