First Author:   Livio Ferrante Department of Economics and Business - University of Catania lferrante@unict.it   Corso Italia, 55 Catania, 95129, Italy   +390957537825(Phone) +390957537825(Fax) http://www.dei.unict.it/docenti/livio.ferrante Second Author: Anna Rita Germani Department of Juridical and Economic Studies - Sapienza University of Rome annarita.germani@uniroma1.it   P.le Aldo Moro, 5 Rome, 00185, Italy   +390649910642(Phone)   http://annaritagermani.site.uniroma1.it