First Author:   Kian-Ping Lim Labuan School of International Business and Finance, Universiti Malaysia Sabah kianping@ums.edu.my   Labuan School of International Business and Finance, Universiti Malaysia Sabah, P.O. Box 80594 Labuan, 87015, Malaysia   +6087460513(Phone) +6087460513(Fax) http://www.geocities.com/kianpinglim Second Author: Melvin J. Hinich Applied Research Laboratories, University of Texas at Austin hinich@mail.la.utexas.edu