First Author:   Kim-Leng Goh University of Malaya klgoh@um.edu.my   Faculty of Economics and Administration, University of Malaya Kuala Lumpur, 50603, Malaysia   603-79673608(Phone) 603-79673608(Fax) http://www.fep.um.edu.my/ Second Author: Sook-Lu Yong University of Malaya yongsl@um.edu.my   Faculty of Economics and Administration, University of Malaya Kuala Lumpur, 50603, Malaysia   603-79673666(Phone) 603-79673738(Fax) http://www.fep.um.edu.my/