%0 Journal Article %T Abstract %A Editor-in-Chief IRJAF %J International Research Journal of Applied Finance %D 2012 %I Kaizen Publications %X IRJAF Vol 2. Issue 12 (December, 2012) %K irjaf %K IRJAF %K December issue %U http://www.irjaf.com/uploads/irjaf_vol_2_issue_12.pdf