First Author:   Peter E. Kennedy Simon Fraser University kennedy@sfu.ca   Economics Department, Simon Fraser University, 8888 University Drive Burnaby, V7N 3H3, Canada   604-291-4516(Phone) 604-291-4516(Fax) Second Author: John Elder North Dakota State University John.Elder@ndsu.nodak.edu   College of Business, Putnam Hall, North Dakota State University Fargo, 58105-5137, USA   701-231-6532(Phone) 701-231-7508(Fax)