First Author:   Bhaskara Rao Kopparty Indiana University Northwest bkoppart@iun.edu   Computer Information Systems, 3400 Broadway GARY, 46408, United States   2199806615(Phone) 2199806615(Fax) Second Author: Surekha K Rao Indiana University Northwest skrao@iun.edu   School of Business and Economics, 3400 Broadway GARY, 46408, United States   2199806615(Phone)