First Author:   Catherine L. McDevitt Central Michigan University mcdev1cl@cmich.edu   316 Sloan Hall, Department of Economics, Central Michigan University Mt. Pleasant, 48859, USA   (989)774-3820(Phone) (989)774-3820(Fax) Second Author: James R. Irwin Central Michigan University irwin1jr@cmich.edu   318 Sloan Hall, Department of Economics, Central Michigan University Mt. Pleasant, 48859, USA   (989)774-3697(Phone)