1. Department of Economics and BETAM, Bahcesehir University, Osmanpasa Mektebi Sk. No. 4-6, Besiktas, Istanbul, Turkey
2. Faculty of Arts and Social Sciences, Sabanci University, Orhanli/Tuzla, Istanbul, Turkey
3. Zingat Research, Eski Buyukdere Cd. No:33/4, D:5, Kagithane, Istanbul, Turkey