John Nana Francois West Texas A&M University   4th Avenue College of Business West Texas A&M University Canyon, Texas 79105 United States   jfrancois@wtamu.edu   https://sites.google.com/site/johnfrancoisecon/research           JEL Areas: E2 : Macroeconomics: Consumption, Saving, Production, Employment, and Investment: General (includes Measurement and Data) F : International Economics