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First Author:
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| Xing Lu |
| Judd Leighton School of Business & Economics, Indiana University South Bend |
| lu35@iusb.edu |
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| 1700 W Mishawaka Ave |
| South Bend, 46615, USA |
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| 5745204246(Phone) |
| 5745204246(Fax) |
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Second Author:
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| Neel Patel |
| Judd Leighton School of Business & Economics, Indiana University South Bend |
| Patelnee@umail.iu.edu |
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