First Author:   Endre J. Reite Norwegian University of Science and Technology, NTNU Buisness School endre.reite@gmail.com   NTNU, Trondheim Business School Trondheim, 7491, Norway   +4792229997(Phone) +4792229997(Fax) www.ntnu.no Second Author: Joakim Blix Prestmo NTNU, Department of Economics joakim.prestmo@gmail.com