First Author:   Bharat Bhole Rochester Institute of Technology bharat.bhole@rit.edu   Department of Economics, 92 Lomb Memorial Dr. Rochester, 14623, United States of America   (585) 475-7954(Phone) (585) 475-7954(Fax) http:// Second Author: Jeffrey Wagner Rochester Institute of Technology mjwgse@rit.edu   Rochester, 14623-5604, USA   585-475-5289(Phone) 585-475-2510(Fax) http://www.rit.edu/~697www/wagner.php3