Affiliation: | a Labovitz School of Business & Economics, University of Minnesota Duluth, 385A LSBE, 1318 Kirby Drive, Duluth, MN 55812, United States b Labovitz School of Business & Economics, University of Minnesota Duluth, 385B LSBE, 1318 Kirby Drive, Duluth, MN 55812, United States c CRITO (Center for Research on Information Technology and Organizations) at the University of California, Irvine, CA 92697, United States |