Shawn A Osell Clarkson University   Reh School of Business 8 Clarkson Ave potsdam, NY 13699 USA   sosell@clarkson.edu             JEL Areas: E2 : Macroeconomics: Consumption, Saving, Production, Employment, and Investment: General (includes Measurement and Data) E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General