First Author:   Guanlin Gao Chaminade University of Honolulu guanlin.gao@chaminade.edu   3140 Waialae Avenue Honolulu, 96816, USA       Second Author: Xinyan Shi School of Business, University of North Carolina at Pembroke yan.shi@uncp.edu   P.O. Box 1510, P.O. Box 1510 Pembroke, 28372-1510, USA   (910) 775-4351(Phone)