First Author:   Tze-Haw Chan School of Management, Universiti Sains Malaysia thchan@usm.my   School of Management, Universiti Sains Malaysia , 11800, Malaysia       Second Author: Chee-Wooi Hooy School of Management, Universiti Sains Malaysia cwhooy@usm.my   School of Management, Universiti Sains Malaysia , 11800, Malaysia   04-6532897(Phone)   Third Author: Ahmad Zubaidi Baharumshah Faculty of Economics and Management, Universiti Putra Malaysia baharumshah@yahoo.com   Department of Economics, Universiti Putra Malaysia Serdang, 434400, Malaysia