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First Author:
 
Brandli Stitzel
West Texas A&M University
bstitzel@wtamu.edu
 
Paul and Virginia Engler College of Business, WTAMU Box 60768
Canyon, 79016, United States
 
8066514122(Phone)
8066514122(Fax)

Second Author:

Ryan S Mattson
West Texas A&M University and The Center for Financial Stability
rmattson@wtamu.edu
 
Canyon, 79109, USA
 
806-651-2509(Phone)
 

Third Author:

Rex Pjesky
West Texas A&M University
rpjesky@wtamu.edu