First Author:   Mario A Gonzalez-Corzo Lehman College, City University of New York (CUNY) mario.gonzalez-corzo@lehman.cuny.edu   Dept. of Economics & Business, Carman Hall, 377, 250 Bedford Park Boulevard West Bronx, 10468, United States   718-960-8507(Phone) 718-960-8507(Fax) www.lehman.cuny.edu