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First Author:
 
Ryan S Mattson
West Texas A&M University
rmattson@the-cfs.org
 
4th Avenue, College of Business, West Texas A&M University
Canyon, 79105, United States
 
 
 

Second Author:

John Nana Francois
West Texas A&M University
jfrancois@wtamu.edu
 
4th Avenue, College of Business, West Texas A&M University
Canyon, 79105, United States