First Author:   Anthony Stair Frostburg State University astair@frostburg.edu   Department of Economics, 101 Braddock Road Frostburg, 21532, USA   301-687-4788(Phone) 301-687-4788(Fax) Second Author: John Neral Frostburg State University jneral@frostburg.edu   Department of Economics, 101 Braddock Road Frostburg, 21532, USA   301-687-4265(Phone)   Third Author: Daniel Mizak Frostburg State University dmizak@frostburg.edu   Department of Economics, 101 Braddock Road Frostburg, 21532, USA   301-687-4096(Phone)   Fourth Author: April Day Frostburg State University aday0@frostburg.edu   Departrnent of Economics, 101 Braddock Road Frostburg, 21532, USA   301-687-4788(Phone)