Virginia Polytechnic Institute and State University, Virginia Polytechnic Institute and State University, Virginia Polytechnic Institute and State University, Virginia Polytechnic Institute and State University, affiliation not provided to SSRN, affiliation not provided to SSRN, affiliation not provided to SSRN, University of Tennessee, Knoxville, Virginia Polytechnic Institute and State University, Virginia Polytechnic Institute and State University, Virginia Tech and Virginia Polytechnic Institute and State University