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Abstract

E. Tylor Claggett, Ph.D., CFA, is professor of finance at Salisbury University in Salidsby, MD 21801-6860. He also serves as the director of the Financial Planning track within the Department of Economics and Finance of the Perdue School of Business.

Danny M. Ervin, Ph.D., is associate professor of finance at Salisbury University in Salisbury, MD 21801-6820. He also serves as the director so the Shore Energy Center within the Department of Economics and Finance of the Perdue School of Business.

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