1. a Department of Finance , MSC 3FIN, New Mexico State University , PO Box 30001, Las Cruces, NM 88003, USA
2. b Penn State University – Great Valley, School of Graduate Professional Studies , 30 East Swedesford Road, Malvern, PA 19355, USA
3. c Jerome Bain Real Estate Institute , Florida International University , Miami, Florida 33199, USA