First Author:   Jesus Lopez-Rodriguez Harvard University and University of A Coruña jelopez@udc.es   Facultad de CC.EE y Empresariales, Campus de Elviña, s/n, Universidad de A Coruña A Coruña, 15071, Spain   +34981167050(Phone) +34981167050(Fax) http://works.bepress.com/jesus_lopez_rodriguez/