First Author:   Rebecca Neumann University of Wisconsin - Milwaukee rneumann@uwm.edu   Department of Economics, University of Wisconsin – Milwaukee, P.O. Box 413 Milwaukee, 53201-0413, USA   414-229-4347(Phone) 414-229-4347(Fax) Second Author: Ron Penl University of Wisconsin - Milwaukee rwpmkb@yahoo.com   Department of Economics, University of Wisconsin – Milwaukee, P.O. Box 413 Milwaukee, 53201-0413, USA   414-229-4347(Phone)