1. Marketing Department, Palumbo Donahue School of Business; Duquesne University; 600 Forbes Avenue Pittsburgh PA 15282 USA
2. School of Business Administration; University of Seoul; Jeonnong-Dong 90, Dongdaemun-Gu Seoul 130-743 South Korea
3. Marketing Department, Sellinger School of Business; Loyola University Maryland; Baltimore MD 21210 USA