First Author:   Shirit Katav Herz The Academic College of Tel-Aviv-Yaffo shirit@mta.ac.il   Rabenu Yeruham St. Tel-Aviv-Yaffo, 6818211, Israel       Second Author: Gil S. Epstein Bar Ilan University Gil.Epstein@biu.ac.il   Ramat-Gan, 5290002, Israel       http://ssrn.com/author=115035