First Author:   Richard J. Cebula Jacksonville University dr.richardcebula@gmail.com   2800 University Blvd. N. Jacksonville, 32211, United States   9126562997(Phone) 9126562997(Fax) Second Author: Gigi M. Alexander Jacksonville University gigialexander44@gmail.com   2800 University Blvd. N., Davis College of Busness Jacksonville, 32211, United States   9415044522(Phone) 9042567467(Fax)