1. Department of Economics; Frostburg State University; Guild Center, 101 Braddock Rd Frostburg MD 21532-2303 USA
2. Department of Economics; 5 Liberty Street, 413 Beatty Center, College of Charleston Charleston SC 29401 USA
3. Department of Personal Financial Planning, 1301 Akron Street, Room 234C; Texas Tech University; Lubbock TX 79409 USA