First Author:   Todd Nesbit Penn State Erie, The Behrend College tmn11@psu.edu   Sam & Irene Black School of Business, Penn State Erie, The Behrend College, 5101 Jordan Road Erie, 16563-1400, USA   814-898-6326(Phone) 814-898-6326(Fax) Second Author: Joseph Palardy Youngstown State University jpalardy@ysu.edu   Department of Economics, Youngstown State University, One University Plaza Youngstown, 44555, USA   330-941-3430(Phone)