First Author:   Zafar Nazarov Purdue University-Fort Wayne nazarovz@pfw.edu   Doermer School of Business, Doermer School of Business, Dept of Econ and Finc Fort Wayne, 46835, United States   (260) 481-6084(Phone) (260) 481-6084(Fax) Second Author: Heather L.R. Tierney Purdue University-Fort Wayne tierneyh@pfw.edu   2101 East Coliseum Blvd, Neff Hall 340, Doermer School of Business, Dept of Econ and Finc Fort Wayne, 46835, United States   8434694007(Phone)   Third Author: Nodir Adilov Purdue University-Fort Wayne adilovn@pfw.edu   2101 East Coliseum Blvd, Neff Hall 340, Doermer School of Business, Dept of Econ and Finc Fort Wayne, 46835, United States   260-481-6497(Phone)