First Author:   Stephen Kosempel University of Guelph kosempel@uoguelph.ca   Department of Economics, University of Guelph Guelph, N1G2W1, Canada   (519) 824-4120 X53948(Phone) (519) 824-4120 X53948(Fax) Second Author: Robindranath Banerjee University of Guelph rbanerje@uoguelph.ca