First Author:   Keshar M. Ghimire University of Cincinnati - Blue Ash keshar.ghimire@uc.edu   Muntz 325BA, Business and Economics Department, University of Cincinnati - Blue Ash, 9555 Plainfield Road Blue Ash, 45236, United States   5139361767(Phone) 5139361767(Fax) https://sites.temple.edu/kesharghimire/