First Author:   Tuck Cheong Tang Monash University Sunway campus tang.tuck.cheong@buseco.monash.edu.my   Jalan Lagoon Selatan, Jalan Lagoon Selatan, Bandar Sunway Petaling Jaya, 46150, Malaysia   60355146394(Phone) 60355146394(Fax) http://www.geocities.com/tangtuckcheong/ Second Author: Evan Lau Universiti Malaysia Sarawak (UNIMAS) lphevan@feb.unimas.my   Faculty of Economics and Business, Universiti Malaysia Sarawak (UNIMAS) Kota Samarahan, 94300, Malaysia