First Author:   Rene Cabral EGAP, Tecnologico de Monterrey rcabral@itesm.mx   Ave. Rufino Tamayo Garza Garcia, 66269, Mexico   +52 (81) 8625 8347(Phone) +52 (81) 8625 8347(Fax) http://homepages.mty.itesm.mx/rcabral/ Second Author: Gulcin Ozkan University of York fgo2@york.ac.uk   Heslington Road York, Y010 5DD, UK   +44 (0)1904 433 788(Phone) +44 (0)1904 433 759(Fax) http://www.york.ac.uk/depts/econ/profiles/details/ozkang.htm