First Author:   Tuck Cheong Tang Department of Economics, School of Business, Monash University Sunway campus tang.tuck.cheong@buseco.monash.edu.my   Jalan Lagoon Selatan, Jalan Lagoon Selatan, Bandar Sunway Petaling Jaya, 46150, Malaysia   60355146394(Phone) 60355146394(Fax) http://tangtuckcheong.webs.com/ Second Author: Venus Khim-Sen Liew Faculty of Economics and Business, Universiti Malaysia Sarawak venusliew@yahoo.com