First Author:   Kamal Upadhyaya University of New Haven kupadhyaya@newhaven.edu   Department of Economics and Finance, University of New Haven West Haven, 06516   (203)932-7487(Phone) (203)932-7487(Fax) Second Author: Gyan Pradhan Westminster College pradhang@westminster-mo.edu         Third Author: Dharmendra Dhakal Tennessee State University ddhakal@tnstate.edu         Fourth Author: Rabindra Bhandari University of Western Ontario rbhanda2@uwo.ca