First Author:   Ayse Mumcu Boğaziçi University mumcu@boun.edu.tr   Department of Economics, Bogazici University, Bebek Istanbul, 34342, Turkey   +9021213597649(Phone) +9021213597649(Fax) Second Author: Ismail Saglam TOBB University of Economics and Technology isaglam@etu.edu.tr   Department of Economics, TOBB University of Economics and Technology, Sogutozu Cad, No:43, Sogutozu Ankara, 06560, Turkey