First Author:   Bonnie Wilson Saint Louis University wilsonbe@slu.edu   Department of Economics, Saint Louis University, 3674 Lindell Blvd. St. Louis, 63108, US   314 977 3844(Phone) 314 977 3844(Fax) Second Author: Jac Heckelman Wake Forest University heckeljc@wfu.edu   Wake Forest University, P.O. Box 7505 Winston-Salem, 27109, US   336 758 5923(Phone) 336 758 6028(Fax) http://www.wfu.edu/~heckeljc/jac.htm Third Author: Dennis Coates University of Maryland Baltimore County coates@umbc.edu   Department of Economics, UMBC, 1000 Hilltop Circle Baltimore, 21250, US   410 455 3243(Phone) 410 455 1054(Fax) http://research.umbc.edu/~coates/