First Author:   Robert Baumann College of the Holy Cross rbaumann@holycross.edu   Department of Economics and Accounting, College of the Holy Cross Worcester, 01610, United States       Second Author: Victor Matheson College of the Holy Cross vmatheso@holycross.edu   College of the Holy Cross, College of the Holy Cross Worcester, 01610, United States   5087932649(Phone)   Third Author: Liam Marrinan College of the Holy Cross liammarrinan@gmail.com         http://