First Author:   Dimitris Hatzinikolaou University of Ioannina, Department of Economics dhatzini@cc.uoi.gr   Department of Economics, University of Ioannina Ioannina, 451 10, GREECE   +302651095925(Phone) +302651095925(Fax) Second Author: Athanassios Stavrakoudis University of Ioannina, Department of Economics astavrak@cc.uoi.gr   Department of Economics, University of Ioannina Ioannina, 451 10, GREECE       http://195.130.120.178/stavrakoudis/