First Author:   Surekha K Rao Indiana University Northwest skrao@iun.edu   Indiana University Northwest, School of Business and Economics, 3400 Broadway Gary, 46408, USA   219 980 6934(Phone) 219 980 6934(Fax) http://www.iun.edu/faculty/surekha-rao/index.htm Second Author: Bhaskara Rao Kopparty Indiana University Northwest bkoppart@iun.edu   3400 Braodway, 3400 Braodway, 3400 Broadway Gary, 46408, United States   2199806615(Phone)   http://www.iun.edu/cis/faculty/index.htm