Qaiser Munir Universiti Malaysia Sabah   Locked Bag 2073 Kota Kinabalu, Sabah 88999 Malaysia   qaiser@ums.edu.my             JEL Areas: E3 : Prices, Business Fluctuations, and Cycles: General (includes Measurement and Data) E2 : Macroeconomics: Consumption, Saving, Production, Employment, and Investment: General (includes Measurement and Data)