First Author:   Hailong Qian Saint Louis University qianh@slu.edu   Saint Louis University, Saint Louis University, 3674 Lindell Blvd. St. Louis, 63108   3149773866(Phone) 3149773866(Fax) http://business.slu.edu/departments/economics/faculty-staff/ Second Author: Heather L. Bednarek Saint Louis University bednarhl@slu.edu   Department of Economics, Saint Louis University, 3674 Lindell Blvd St. Louis, 63108, United States   (314) 977-3847(Phone) (314) 977-1478(Fax) http://business.slu.edu/departments/economics/faculty-staff/