1. Department of Finance and Real Estate, College of Business, Florida Atlantic University, University Tower, 220 S.E. 2nd Avenue, Fort Lauderdale, Florida
2. Department of Economics and Finance, College of Business, University of Texas-San Antonio, 6900 N. Loop 1604 West, San Antonio, Texas
3. Department of Finance and Real Estate, College of Business, Florida Atlantic University, 777 West Glades Road, Boca Raton, Florida