Dino Falaschetti, former Thomas F. Gleed Endowed Chair and Visiting Professor of Finance and Business Law, Albers School of Business and Economics, Seattle University, Associate Professor of Law and Economics, College of Law, Florida State University and Special Consultant, Economists Incorporated, Washington, DC and SF Bay Area, US and Michael J. Orlando, Principal Consultant of Economic Advisors, Inc., Denver, US. He served as a research economist with the Federal Reserve Bank of Kansas City and then as Vice President and Branch Executive of the Bank’s Denver Branch, US