First Author:   Linus Wilson University of Louisiana at Lafayette linuswilson@louisiana.edu   B. I. Moody III College of Business, University of Louisiana at Lafayette, 214 Hebrard Boulevard, Moody Hall 253 Lafayette, 70504-4570, U.S.A.   (337) 482-6209(Phone) (337) 482-6209(Fax) http://www.linuswilson.com