First Author:   Venus Khim-Sen Liew Labuan School of International Business and Finance, University Malaysia Sabah, Malaysia venusliew@yahoo.com         Second Author: Conference Secretariat Universiti Malaysia Sabah venusliew@yahoo.com   International Conference in Economics and Finance 2005,, Labuan International Campus,Universiti Malaysia Sabah,, P.O. Box 80594, Labuan, 87015, Malaysia   +6087460513 or +6087460518(Phone) +6087460477(Fax) http://wwwkal.ums.edu.my/icef2005/