First Author:   George Milunovich Department of Economics, Macquarie University george.milunovich@mq.edu.au   Department of Economics, Macquarie University North Ryde, 2109, Australia   (+612) 9850 8543(Phone) (+612) 9850 8543(Fax) Second Author: Ronald Ripple Curtin Business School, Curtin University R.Ripple@curtin.edu.au   Bentley Campus, Bentley Campus, Curtin University Perth, 6102, Australia   (+618) 9266 3935(Phone)