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Abstract

Betty L. Brewer, DBA, CFP, is associate professor of finance, Department of Business and Economics, North Carolina A&T State University, Greensboro, NC 27411.

Robert J. Angell, DBA, is professor of finance, Department of Business Administration, School of Business and Economics, North Carolina A&T State University, Greensboro, NC 27411.

R. David Mautz, Jr., Ph.D., CPA, is associate professor of accounting, Department of Accounting, School of Business and Economics, North Carolina A&T State University, Greensboro, NC 27411.

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