First Author:   Naved Ahmad Institute of Business Administration (IBA), Karachi nahmad@iba.edu.pk   Institute of Business Administration, IBA, Karachi University Road Karachi, 75270, Pakistan   111-422-422(Phone) 111-422-422(Fax) http://www.iba.edu.pk Second Author: Shahid Ali Institute of Business Administration (IBA), Karachi shahda@iba.edu.pk   IBA, IBA, Karachi University Road Karachi, 75270, Pakistan   111-422-422(Phone) 92-21-9261508(Fax) http://www.iba.edu.pk