First Author:   Joshua Dennis Hall Florida Southern College jhall2@flsouthern.edu   111 Lake Hollingsworth Drive Lakeland, 33801, USA   863-680-3010(Phone) 863-680-3010(Fax) https://www.flsouthern.edu/faculty/business/hall-joshua.aspx Second Author: Peter V. Bias Florida Southern College pbias@flsouthern.edu   Lakeland, 33801   863-680-4282(Phone)   https://www.flsouthern.edu/faculty/business/bias-peter-v.aspx