First Author:   James J. Jozefowicz Indiana University of Pennsylvania James.Jozefowicz@iup.edu   Department of Economics, 213 McElhaney Hall, 441 North Walk Indiana, 15705, USA   724-357-2640(Phone) 724-357-2640(Fax) Second Author: Sarah A. Frederick Indiana University of Pennsylvania S.A.Frederick@live.iup.edu   Department of Economics, 213 McElhaney Hall, 441 North Walk Indiana, 15705, USA   724-357-2640(Phone) 724-357-6485(Fax) Third Author: Zackary T. Nelson Indiana University of Pennsylvania Z.T.Nelson@live.iup.edu   Department of Economics, 213 McElhaney Hall, 441 North Walk Indiana, 15705, USA   724-357-2640(Phone) 724-357-6485(Fax)