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First Author:
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| Brandli Stitzel |
| West Texas A&M University |
| bstitzel@wtamu.edu |
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| Paul and Virginia Engler College of Business, WTAMU Box 60768 |
| Canyon, 79016, United States |
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| 8066514122(Phone) |
| 8066514122(Fax) |
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Second Author:
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| Ryan S Mattson |
| West Texas A&M University and The Center for Financial Stability |
| rmattson@wtamu.edu |
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| Canyon, 79109, USA |
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| 806-651-2509(Phone) |
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Third Author:
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| Rex Pjesky |
| West Texas A&M University |
| rpjesky@wtamu.edu |
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