First Author:   Helen Kantarelis Business & Economics Society International hkan@besiweb.com   64 Holden Street Worcester, 01605-3109, USA   508-852-3937(Phone) 508-852-3937(Fax) http://www.besiweb.com Second Author: Helen Kantarelis Business & Economics Society International hkan@besiweb.com   64 Holden Street Worcester, 01605-3109, USA   508-852-3937(Phone) 508-595-0089(Fax) http://www.besiweb.com