Papers published by the Midwestern Business and Economic Review are property of the Bureau of Business and Government Research, Midwestern State University. Papers published in this journal may be reproduced without permission and charge, as long as reproduced copies are used for non-profit educational and research purposes. For all other reproductions, permission must be obtained from the Bureau of Business and Government Research, Dillard College of Business Administration, 3410 Taft Boulevard, Wichita Falls, TX 76308-2099, USA.