First Author:   Peter A. Groothuis Appalachian State University groothuispa@appstate.edu   Department of Economics, Department of Economics BOONE, 28608   8287730751(Phone) 8287730751(Fax) Second Author: Austin F. Eggers Appalachian State University eggersaf@appstate.edu   Peacock Hall, Department of Finance, Banking and Insurance BOONE, 28608, United States   8287730751(Phone)