Table of Contents

Accounting

277 Saving Private Ryan's Tax Refund

Francine Lipman, Chapman University School of Law

287 Solving the Retirement Income Problem: An Analysis of Government Pension Plans and Social Security Benefits

Francine Lipman, Chapman University School of Law

Nathan Oestreich, San Diego State Univesity

James Williamson, San Diego State University

296 An Active-Learning Exercise for Teaching Tax Topics at Five Universities

Judith Sage, Texas A & M International University

Lloyd Sage, Texas A & M International University

307 Strengthening Ethics and Compliance Programs

James Bailey, Utah Valley University

329 Do Bankruptcy Models Really Have Predictive Ability? Evidence Using China Publicly Listed Companies.

Ying Wang, Montana State University-Billings

Michael Campbell, Montana State University-Billings

334 The Road to IFRS Challenges and Concerns

Marc Massoud, Claremont McKenna College

Cecily Raiborn, Texas State University - San Marcos

336 Starbucks Corporation: A Comprehensive Case on Financial Statement Analysis, Forecasting and Valuation

Suneel Udpa, Saint Mary's College of California

362 How Temporary are Temporary Tax Benefits Under Economic Stimulus Legislation?

Sheldon Smith, Utah Valley University

Amourae Riggs, Utah Valley University

366 A Matrix Approach to Support Department Reciprocated Cost Allocations

Dennis Togo, Univ of New Mexico

380 Design and Implementation of an Accounting Information System: Ways to Ensure Failure

John McEldowney, University of North Florida

Marcelle L. McEldowney, Time/Warner

Michael P. McEldowney, GTE Data Services

390 On the Hazards of Inferring Housing Price Trends Using Mean/Median Prices

Chee Chow, San Diego State

Damon Fleming, San Diego State University

James Williamson, San Diego State University

413 Planning May be Possible with the Windfall Elimination Provision and the Government Pension Offset

Nathan Oestreich, San Diego State Univesity

James Williamson, San Diego State University

Robert Capettini, San Diego State University

Howard Toole, San Diego State University

425 Keeping Content Relevant: A Case Study to Teach Advanced Data Analysis and Visualization Tools in Financial Accounting and Reporting

Charmayne Cullom, University of Northern Colorado

Karen Turner, University of Northern Colorado

470 Managing California’s Fiscal Crisis Budgetary Process to Decrease both the Severity and Opportunities for “Gaming the System”

William (L) Murray, University of San Francisco

Alev Efendioglu, University of San Francisco

474 Publishing Opportunities in Professional Journals

Aaron Watson, NZ Institute Of Chartered Accountants

Business Environment - Strategy, Policy, Law, Ethics

280 In Search of Being Green: Do Firm-Specific or Industry-Specific Factors Drive the Adoption of ISO 14001 Certification?

Yu-Shu Peng, National Dong Hwa Univ.

Chin-Jung Luan, National Dong Hwa Univ.

Chia-Ching Chou, National Dong Hwa Univ.

281 The Market Response of Patent Litigation Announcement towards Defendant and Rival Firms- Evidence from the Taiwanese Electronics Industry

Yu-Shu Peng, National Dong Hwa Univ.

Yu-En Lin, National Dong Hwa Univ.

Yi-Chen Yang, National Dong Hwa Univ.

293 The New Gray Area - Non-Profits Doing Socially Entrepreneurial Projects

David (Lynn) Hoffman, Metropolitan State College of Denver

Deb Gilliard, Metropolitan State College - Denver

313 Solving the Mystery of Cost: An Analysis of the Future Value of the Cost of Discovery

Kamal Haddad, San Diego State University

Fred Raafat, San Diego State University

James Williamson, San Diego State University

331 A Typology of Organizational Capabilities

Mitch Casselman, California State University, Chico

Danny Samson, University of Melbourne

346 Environmental Sustainability as a Legitimate Business Issue

Kathleen Dale, Minnesota State University, Mankato

Bradley Mayer, LaMar University

Marilyn Fox, Minnesota State University, Mankato

391 Motivations for Use of Social Practices Aimed at the Community: Commitment, Calculation, Conformance, and Caring

Adele Santana, University of Northern Iowa

407 The Influence of Negative Emotions and Emotional Intelligence on Ethical Decision Making

Sukumarakurup Krishnakumar, North Dakota State University

Doug Rymph, North Dakota State University

450 Role of ICT in Healthcare Industry Value Chains

Arvinder Loomba, San Jose State University

451 Application of Japanese Concepts to Quality/risk Management in the Healthcare Sector

Arvinder Loomba, San Jose State University

454 Ethical Axioms of a “Socially Responsible Market Economy”(SRME) – Basic Values for an Exemplary Economic Constitution

Josef Neuert, University of Applied Sciences Kufstein

Matthias Stengel, University of Applied Sciences Kufstein

Markus Spriestersbach, University of Applied Sciences Kufstein

Mariya Lebedeva, University of Applied Sciences Kufstein

455 Measuring Operating Efficiency of Global Airlines for Strategic Implications

Karen L. Fowler, Colorado State University-Pueblo

Jong Soon Park, Colorado State University-Pueblo

Seong-Jong Joo, Colorado State University-Pueblo

468 Sport and Terror: Dynamics, Stakeholders and Strategy

John E Davies, Victoria University of Wellington

Arun Elias, Victoria University of Wellington

Cases, Workshops, Special Sessions

284 Chattem Inc.: The Over-The-Counter Medications Industry

Reina Garcia, St. John's university

Robert Mockler, St. John's University

Marc Gartenfeld, St. John's University

285 Proctor and Gamble: The Beauty/Feminine Care Segment of the Consumer Goods Industry

Ivie Agenmonmen, St. John\'s University

Robert Mockler, St. John's University

Marc Gartenfeld, St. John's University

289 The Sarajevo Graduate School of Business

John Stocker, University of Delaware

Paul Laux, University of Delaware

298 Tyson Foods, Inc. - a Case Study

Deb Gilliard, Metropolitan State College - Denver

301 Going Live in the Cloud : Analysis and Comparison of Enterprise Software Implementation Models Between Cloud Based and On Premise Systems

Mike Canniff, University of the Pacific

304 Stone Brewing Company:A Case Study in Operations & Supply Chain Management

Fred Raafat, San Diego State University

Upma Saini, San Diego State University

Lu Pin, San Diego State University

Vikas Arya, San Diego State University

Hindushekar Somashekar, San Diego State University

310 The Critical Incident- The Student Consulting Team Dilemma

David (Lynn) Hoffman, Metropolitan State College of Denver

Deb Gilliard, Metropolitan State College of Denver

Nina RadojevichKelley, Metropolitan State College of Denver

Jud Faurer, Metropolitan State College of Denver

Elisabeth McVicker, Metropolitan State College of Denver

321 Activity-Based Instruction: A Workshop on Proven Practices

Randall Brown, Cal state univ, Stanislaus

Maryann Hight, California State University, Stanislaus

322 Planning an IT Project Implementation: Comparing Different PM Techniques

Dorothy Urschel, University at Albany

Jakov Crnkovic, University at Albany

327 Workshop on Online Graduate MBA Education

Natasa Christodoulidou, California State University

Melissa St.James, CSUDH

335 Werner Enterprises and China

Terrence Sebora, University of Nebraska

Margaret Baker, University of Nebraska

Lukas Bomar, University of Nebraska

Kyle Groteluschen, University of Nebraska

341 Useful Tips on Understanding and Navigating the Review Process

Thomas Wright, Kansas State University

405 Transportation Mode and Carrier Choice Decisions: A Teaching Case

Stephen Hill, Weber State University

414 Incorporating (more) Role Plays into Your Training Ensemble: How to Utilize this Versatile and Relevant Technique

Cindy Sutton, Metro State College

Apryl Rogers Brodersen, Meto State College

430 Impact of Biased Perspective on Risk Management:A Case Study on Southwest and China Eastern Airlines

Chin-Yen Liu, Our Lady of the Lake University

James Burns, Texas Tech University

Zhangxi Lin, Texas Tech University

452 Assessment of Learning in Business Schools

G Keong Leong, University of Nevada Las Vegas

Krishna Dhir, Berry College

461 Successful Data Mining in Practice

Richard De Veaux, Williams College

473 Business Education in the New Decade: Challenges and Opportunities

Michael Solt, California State University, Long Beach

Entrepreneurship & Small Business Management

294 Venture Capital Funding: A Historical Perspective and Future Outlook

Nina Radojevich-Kelley, Metropolitan State College of Denver

392 Linking Entrepreneurial Orientation and Use of Technology through Social Networking Media: A Study of University Students

Michelle Lane, Western Kentucky University

Dawn Bolton, Western Kentucky University

418 A Critical Evaluation of the Resource Based View in Family Business Appraisals

Ashley Burrowes, Woodbury

Engineering Systems Management

363 Too Complex Not to Fail: “Normal Accidents” and Systems Management

Mahyar Amouzegar, California State University, Long Beach

374 Multi-objective Optimization of an in situ Bioremediation Technology to Treat Perchlorate- Contaminated Groundwater

Mark Goltz, Air Force Institute of Technology

Mark Knarr, Army Corps of Engineers

Junqi Huang, U.S. EPA Kerr Laboratory

Gary Lamont, Air Force Institute of Technology

393 A Systems Optimization Simulation Technique for Deployed Medical Support

Khosrow Moshirvaziri, California State University, Long Beach

416 D-Schools - Not B-Schools or E-Schools

Willard Price, University of the Pacific

441 Optimal Scheduling of Overlapping Phases in the Concurrent/Simultaneous Approach to New Product Development

John Hebert, University of Akron

Richard Deckro, Air Force Institute of Technology

Finance

278 Range of Optimality Sensitivity Analysis in Portfolio Selection With Simultaneous Market Value Changes in Expected Returns

Peter Ellis, Utah State University

353 Expected Return On Investment and Parlay Betting

Henry Amato, University of Nevada Reno, Chico

Sheri Faircloth, University of Nevada Reno, Chico

382 Power-Log Optimization vs. Mean-Variance Optimization for Different Investment Horizons

Jivendra Kale, Saint Mary's College of California

Thomas McCullough, Saint Mary's College of California

Philip Perry, Saint Mary's College of California

385 Perverse Compensation Incentives: Root Cause of Financial Crisis

Hamdi Bilici, CSULB

John Bagby, CSULB

453 Examination of the Unemployment Rate and the GA Caseload

Xingguo Zhang, Caseload Forecast Council

Kirsta Glenn, Caseload Forecast Council

Fen Wang, Central Washington University

464 Western Winds and the Levelized Cost of Power

Andrew Solocha, University of Toledo

Gary Moore, University of Toledo

Global Business

319 Competitive Strategies and Company Performance: A Study of Taiwanese Firms following U.S., Japanese, and Taiwanese Type Competitive Strategies

Chee Chow, San Diego State

Kamal Haddad, San Diego State

Anne Wu, National Chengchi University

350 The Role of Exchange Rates in the Prices of Imports

Mehdi Salehizadeh, San Diego State University

Fred Raafat, San Diego State University

411 Managing Offshore Software Projects

Y. Helio Yang, San Diego State University

Giora Tamir, San Diego State University

419 The Decline in Remittances Is Reducing American Border Exports to Mexico

Rutilio Martinez, University of Northern Colorado

Joseph French, University of Northern Colorado

Vish Iyer, University of Northern Colorado

426 How Good Leaders make Bad Decisions

Noorein Inamdar, San Jose State University

Asbjorn Osland, San Jose State University

Hospitality Management

412 The Impact of Sustainable Hotel Policies on Guest Satisfaction

Orie Berezan, UNLV

Carola Raab, UNLV

Mehmet Erdem, UNLV

Christine Bergman, UNLV

427 Outsourcing Human Resource Activities in the Hospitality Sector

Thomas Norman, California State University- Dominguez Hills

432 Exploring the Patterns Underlying Online Consumer Reviews

Pradeep Racherla, West Texas A&M

Daniel Connolly, University of Denver

439 Mexican Wines and Wineries: Can Education Lead to Appreciation?

Melissa St. James, California State University Dominguez Hills

466 Examining the Sourcing-Agility Linkage in Restaurant Supply Chain Management: A case-based study

Xun Li, Nicholls State University

En Mao, Nicholls State University

Human Resource Management & Development

275 Designing Diversity Based Corporate Management Teams

Owen Hall, Jr., Pepperdine

Ken Ko, Pepperdine

358 The Effect of Self-Leadership on Performance: A Study in a Financial Services Organisation

Paul Nesbit, Macquarie

383 The Effect of Academic Learning on Improvability Beliefs and Self-efficacy for Management

Quey-Jen Yeh, National Cheng-Kung Univ.

Yu-Lin Wang, National Cheng-Kung Univ.

465 Global Human Resource Management: The New Paradigm

Yudhi Ahuja, San Jose State University

Innovative Education I (Curricular Content/Design)

282 Collaborating Across a Two Course Sequence: Do Students Remember Anything?

David Lewis, University of Massachusetts Lowell

Thomas Sloan, university of massachusetts lowell

312 Student Perceptions of Their Writing Skills: Myth and Reality

Mark Simkin, University of Nevada

Janna Crews, University of Nevada

Mary Groves, University of Nevada

376 Applying Lean Principles to Reengineer a Financial Modeling Course

Zsolt Ugray, Utah State University

Alan Stephens, Utah State University

377 A New Curriculum Architecture to Prepare Business Students for Extreme Service Collaborations

Vish Iyer, University of Northern Colorado

Tod Sedbrook, University of Northern Colorado

387 Survey of Students' Deal or No Deal Decisions

Jaesun Park, University of North Dakota

429 Using Menus to Build Student Engagement

Thomas Norman, California State University- Dominguez Hills

440 Course Embedded Assessment

Mike Parent, Utah State

449 Flesch-Kincaid: A Student Writing Experiment

Karen L. Fowler, Colorado State University-Pueblo

Michael W. Wakefield, Colorado State University-Pueblo

462 Key Pedagogical Strategies for Millenial Generation Students in University Business Courses

Nancy Merlino, Cal Poly Pomona

Rhonda Rhodes, Cal Poly Pomona University

467 Innovation in Higher Education: Putting Assessment at the Heart of Learning

Norah Jones, Univeristy of Glamorgan

Alice Lau, University of Glamorgan

Catherine Jones, Univeristy of Glamorgan

Innovative Education II (Delivery & Dist Learning)

408 Using Flexible and Blended Learning Environments for a large Production Operations Management Class

Carl Rebman, University of San Diego

Queen Booker, Minnesota State University, Mankato

409 Student Engagement in Online Business Classes: Comparing Quantitative and Non-Quantitative Classes

Kathryn Zuckweiler, University of Nebraska at Kearney

Internet and e-Business

283 Understanding the Factors Affecting Users' Intention to Continuously Pay for the Service of Social Networking Sites

Ching-Ting Huang, National Sun Yat-sen University

Kuo-Lun Hsiao, Shu-Te University

308 The Influence of Outcome Framing and Price Information in Online Shopping

Fei-Fei Cheng, National Chung Hsing University

Chin-Shan Wu, Tunghai University

347 A Study of Emerging Mobile Finance Services and its Business Model in Taiwan

Rai-Fu Chen, Chia Nan University of Pharmacy & Science

Hsiu Fen Lin, National Sun Yat-sen University

349 The Effects of Cultural Difference on the Service of the Internet Portal

Simon Lee, Eastern Illinois University

359 The Ebay Allure: Compulsive Buying, Internet Addiction and the Ability to Self-Control

Gerhard Raab, University of Applied Sciences Ludwigshafen

Kathrin Paul, Universtiy of Applied Sciences Ludwigshafen

456 Electronic Solutions for Clinical Research Studies

Arvinder Loomba, San Jose State University

Audrey Jonas, Abbott Vascular Inc

458 Laboratory Information Management Systems: Implementation Considerations

Arvinder Loomba, San Jose State University

Michael Morad, Abbot Laboratories, Inc.

Management Information Systems

279 Building a Security System from Ground up: A Conceptual Model for MIS Managers

Hossein Bidgoli, CSUB

299 Towards Iconic-Based Information Technology and Application Exception Messages

T.S. Amer, Northern Arizona University

Jo-Mae B. Maris, Northern Arizona University

306 Will Information Systems Management Privacy Issues have to be Redefined?

Lewis Myers, St. Edward's University

Dwight Daniel, St. Edward's University

Anna Stewart, St. Edward's University

309 Evaluation and Analysis of Class Scheduling Software: An Information Management Case

Bruce Raymond, Montana State University

314 The Adoption of Computer Security: An Analysis of Home PC User Security Behavior Using the Health Belief Model

Chet Claar, Central Washington University

Jeffrey Johnson, Utah State University

337 An Application to Assist Prevention of Student Dropout in Distance Learning Using Data warehouse and Data Mining Techniques

Sumruay Komlayut, Sukhothai Thammathirat Open University

Waranya Poonnawat, Sukhothai Thammathirat Open University

Siwaporn Rookachart, Sukhothai Thammathirat Open University

368 Research in Information Security: A Literature Review Using a Multidimensional Framework

Kuang-Wei Wen, University of Wisconsin-La Crosse

Yan Chen, University of Wisconsin-Milwaukee

Derek Nazareth, University of Wisconsin-Milwaukee

384 Consistency and Constancy in Management of Information: Reflections on the Human and Organizational Aspects

Appa Rao Korukonda, Bloomsburg University of PA

394 Learning and Reflexivity in Technology-Mediated Distributed Teams

Hayward Andres, North Carolina A&T State University

396 Ethical Issues in the Information Age

Dominique Louis, Pace University

397 Customer Relationship Management – between mystification and reality: A case study on a Canadian retail bank

Cristina Butnaru, UQAM

Camélia Dumitriu, UQAM

400 Factors Leading to Successful Knowledge Integration in Offshoring Relationships: A Preliminary Model

Richard L. Jenson, Utah State University

Jeffrey S. Rickords, Utah State University

431 Software Development Productivity Attributes: An Exploratory Study

Abbas Heiat, Montana State University-Billings

433 Analysis of the Relationship between Per Capita Income and Educational Background: Special Case of Montana’s Economy

Nafisseh Heiat, Montana State University-Billings

463 Transformations in Client-Vendor Relationship in the IT Outsourcing Landscape

Mohammed Tafti, Hofstra University

Marketing

302 Beyond Choice: Consumer Nonchoice and Nonpurchase

Suzan Burton, Macquarie University

342 An Extended Technology Acceptance Model to Analyze Consumers¡¦ Behavioral Intention: a Case of LCD TV

Shih-Chi Chang, National Changhua University of Education

Lee-Yun Pan, Feng Chia University

Ming-Ying Yang, National Changhua University of Education

370 Contextual Effects in Decision Making Under Uncertainty

Jeffrey Lim, University of Sydney

371 Consumers: Behavioral Intention on Technology Innovation Products: a Case of Nano Air Cleaner

Shih-Chi Chang, National Changhua University of Education

Lee-Yun Pan, Feng Chia University

Li Chiung Hui, National Changhua University of Education

Wen Chun Yeh, National Changhua University of Education

Management and Organizational Behavior

290 Depression & Post-Traumatic Stress In Organizations After 9-11

Amy Hurley-Hanson, Chapman University

Cristina M. Giannantonio, Chapman University

356 Globesity: The Potential for Weight-Loss Companies in Emerging Markets1

Massoud Saghafi, San Diego State University

Donald Sciglimpaglia, San Diego State University

357 Human Resource Information Systems and Crises: Post 9-11

Amy Hurley-Hanson, Chapman University

Cristina M. Giannantonio, Chapman University

410 Value Preferences and Occupational Ethical Attitudes for Financial Specialists - Evidence from a Taiwanese Financial Institution

Melien Wu, National ChiaYi University

Shu-Lien Wen, Chung Yuan Christian University

423 The Role of Goal-Setting and Self-Efficacy in Supply Chain Management

Rodney Traub, North Dakota State University

Sukumarakurup Krishnakumar, North Dakota State University

435 Improving Hospital Performance through Organizational Culture

Chee Chow, San Diego State

Kamal Haddad, San Diego State

447 Intuitive vs. Discursive Decision Making Behavior. Which one is superior?

Josef Neuert, University of Applied Sciences Kufstein

Mariya Lebedeva, University of Applied Sciences Kufstein

Management Science and Quantitative Methods

286 The Long-term Properties of a Dynamic Market

Ferenc Szidarovszky, University of Arizona

Abdollah Eskandari, University of Arizona

Tamas Zsitvay, Pima College

Rida Mourtada, Network of Syrian Scientists

295 Simulation Experiments to Evaluate an Alternative to One Factor Anova

Edward Markowski, Old Dominion University

320 Some Notes on the General Prisoner's Dilemma

Haiyan Qiao, California State University San Bernardino

Ferenc Szidarovszky, University of Arizona

323 The Development of a Simple Goal Programming Model to Assist in Attaining the Triple Bottom Line for a Business

Miles Nicholls, RMIT University

Barbara Cargill, University of Melbourne

354 Median Absolute Percentage Errors (MdAPE) on Errors from Simple Moving Average Methods for Independent Normal Time Series

Luh Ren, UHV

Yong Glasure, UHV

378 Decision Support via Mathematical Programming for the NFL 'Survivor' Contest

Rick Wilson, Oklahoma State University

395 On the Basis of a Computational Model for Decision Making

Thang Nguyen, California State University Long Beach

Vanja Cvetojevic, University of Gothenburg

415 Consensus-Based Group Decision Making

Omer S. Benli, CSULB

Philip Chong, CSULB

457 The Optimal Parameters of Yield Distribution in an EOQ Model with Planned Shortages

Farrokh Nasri, Hofstra University

Javad Paknejad, Hofstra

John Affisco, Hofstra

Operations, Logistics & Supply Chain Management

276 Strategic Inventories in a two period Stackelberg Duopoly

Vijayendra Viswanathan, University of Wisconsin-Milwaukee

Jaejin Jang, University of Wisconsin-Milwaukee

303 An Insight into Reverse Logistics Practices in the US

Festus Olorunniwo, Tennessee State University

Xiaoming Li, Tennessee State University

317 Location Consolidation of Military Equipment for Deployment

John Bell, Georgia College

Joseph Skipper, Air Force Institute of Technology

William Cunningham, Air Force Institute of Technology

Daniel Mattioda, Air Force Institute of Technology

Krista LaPietra, Air Force Institute of Technology

324 Identification and Spatial Analysis of Logistics Clusters in Southern California

Avijit Sarkar, University of Redlands

Martin Wong, University of Redlands

Anne Desmarais, University of Redlands

344 Developing an Efficient Warehouse Operation System

Andy Yao, CSU, Northridge

361 Location Analysis: A Strategic Network for Homeland Defense

John Bell, Georgia College

Stanley Griffis, Michigan State University

William Cunningham, Air Force Institute of Technology

Jon A. Eberlan, Air Force Institute of Technology

367 Creating Resilience in New Zealand SMEs: the Case of Performance Apparel

Lawrence Corbett, Victoria University of Wellington

399 The Legitimacy of the Purchasing Function: A Case Study in a Canadian Manufacturing Firm

Raluca-Mihaela Stoleru, HEC Montreal

Alain Halley, HEC Montreal

404 Product Remanufacturing Planning and Reverse Logistics Network Design

Eddine Dahel, Monterey Institute of International Studies

424 Application of Six-Sigma in the Finance Function: A Case Study

Batoul Modarress, Zayed University

Al Ansari, Seattle

460 Costs and Benefits of Six Sigma Programmes

Venkateswarlu Pulakanam, University of Canterbury

469 Enhancing Banking Performance through Operational Proactiveness

Aaron Joyal, University of Memphis

Satish Mehra, University of Memphis

Munsung Rhee, Uiduk University

Student Papers

305 The Effects of an AUIP on Employee Personal Internet Use

Jose Limas, Utah State University

Jeffrey Johnson, Utah State University

326 The Relationship between History, Culture, and Chinese Business Practices: Using Sociological Awareness to Avoid Common Faux Pas

Vijay Kannan, Utah State University

Vikki Ballard, Utah State University

340 Collaborative Research in the Curriculum: A Case Example of Action Learning in Marketing

Kenneth Bartkus, Utah State University

Daniel Clark, Utah State University

Nikelle Hunsaker, Utah State University

352 Capital Budgeting and Probabilistic Scenario Analysis: A Student Research Experience in Finance

Kenneth Bartkus, Utah State University

Joseph Irvine, Utah State University

369 Exploring the Relationship between Cultural Dimensions and Entrepreneurial Activity in 30 Countries: An Undergraduate Research Collaboration

Ronda Callister, Utah State University

Darcy Steward, Utah State University

372 Human Resource Outsourcing and Offshoring to Central and Eastern Europe

Kiryl Katushkin, California State University, Dominguez Hills

381 Sustainable Diversity: Managing Retention and Succession Planning for a Diverse Workforce

Tammi Redd, University of Texas - Pan American

448 Interlocking Directorates and Citigroup's Eight Links with the Mortgage Crisis

Karen L. Fowler, Colorado State University-Pueblo

Jane O. Schifferdecker, Colorado State University-Pueblo