an academic article to share

Season's Greetings Kindest Sirs and Ma'ams- I hope this holiday season brings Your Family and Friends together for a great time //:-) The following is a link to an academic paper, for Your intellectual entertainment. I wrote it in my spare time and it is now published at: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4306590 Thank You for Your continuing mentorship and friendship, Ma'ams and Sirs- --from Alaska //:-)