First Author:   Gregory T. Niemesh Miami University and NBER niemesgt@miamioh.edu   800 E. High Street, Rm. #2054 Oxford, 45056, United States   7039096336(Phone) 7039096336(Fax) Second Author: L. Allison Jones-Farmer Miami University farmerl2@miamioh.edu         Third Author: Joseph Hart Miami University hartjt@miamioh.edu         Fourth Author: William Holmes Miami University holmeswc@miamioh.edu         Five Author: Nathan Soundappan Miami University soundanp@miamioh.edu