1. Faculty of Life and Environmental Sciences; University of Tsukuba; Tennoudai 1-1-1 Tsukuba 305-8572 Japan
2. Business Promotion Division; Joyo Bank; 5-5 Minami-machi 2-chome Mito Ibaraki 310-0021 Japan
3. Faculty of Economics and Business Administration, Reitaku University; 2-1-1 Hikarigaoka Kashiwa, Chiba-ken 277-8686 Japan
4. Graduate School of Humanities and Social Sciences; Okayama University, Tsushimanaka, Kita-ku, Okayama, 700-8530, Japan and RIETI, 11th floor, Annex, Ministry of Economy, Trade and Industry (METI), 1-3-1, Kasumigaseki Chiyoda-ku; Tokyo 100-8901 Japan