First Author:   Nathan Ashby The University of Texas at El Paso njashby@utep.edu   Department of Economics and Finance, Department of Economics and Finance, The University of Texas at El Paso El Paso, 79968, United States   915-747-7791(Phone) 915-747-7791(Fax) https://academics.utep.edu/Default.aspx?tabid=70104&ID=njashby Second Author: Jesus Mendoza The University of Texas at El Paso Jeslias24@gmail.com   7133 Tierra Taos El Paso, 79912, United States   915-256-6048(Phone)