Associate Professor of Finance
                                                        Department of Economics & Finance
                                                        College of Business Administration
                                                        Pellegrino Hall (304 A)
                                                        Texas A&M International University
                                                        5201 University Boulevard
                                                        Laredo, Texas 78041-1900
                                                        (956) 326-2517; FAX (956) 326-2494