First Author:   Román Ferrer Department of Financial and Actuarial Economics, University of Valencia, Spain roman.ferrer@uv.es         Second Author: Syed jawad hussain Shahzad Montpellier Business School j.syed@montpellier-bs.com   2300 Avenue des Moulins, 34080 Montpellier, France Montpellier, 34000, France   751277921(Phone)   Third Author: Elie Bouri School of Business, Lebanese American University, Lebanon elie.elbouri@lau.edu.lb