First Author:   Jingyu Song Nationwide Mutual Insurance Company songjingyu686@gmail.com   One Nationwide Plaza, W Nationwide Blvd Columbus, 43215, USA   7654215069(Phone) 7654215069(Fax) Second Author: Paul V Preckel Purdue University preckel@purdue.edu   Krannert Building, Krannert Building, Purdue University West Lafayette, 47907, USA   7654944191(Phone) 7654949176(Fax) Third Author: Michael S Delgado Purdue University delgado2@purdue.edu   Department of Agricultural Economics, Krannert Building, Purdue University West Lafayette, 47907, USA   7654944211(Phone)