First Author:   Gary Shelley Dept. of Economics & Finance East Tennessee State University Shelley@mail.etsu.edu   Dept. of Economics and Finance, Box 70686, East Tennessee State University Johnson City, 37614-0686, USA   423-439-5139(Phone) 423-439-5139(Fax) Second Author: Frederick Wallace Dept. of Management & Marketing Prairie View A&M University frederick_wallace@pvamu.edu   Department of Management and Marketing, Prairie View A&M University Prairie View, 77446, USA