First Author:   Osama Sweidan Assistant Professor of Economics osweidan@hu.edu.jo   Department of Economics, P.O. Box 150459, The Hashemite University, Zarqa, Jordan Zarqa, 13115, Jordan   962 5 3903333(Phone) 962 5 3903333(Fax) http://www.hu.edu.jo/ Second Author: Fadwa Kalaji Assistant Professor of Economics Fadwa@hu.edu.jo   Department of Economics, P.O. Box 150459, The Hashemite University, Zarqa, Jordan. Zarqa, 13115, Jordan   962 5 3903333(Phone) 962 53826613(Fax) http://www.hu.edu.jo/