Schoech, Dick J.; Schkade, Lawrence L.; Mayers, Raymond Sanchez; Schoech, Dick J.; Assistant Professor, Graduate School of Social Work, University of Texas at Arlington, Arlington, TX, 76019; Schkade, Lawrence L.; Professor, Chairman, System Analysis Department, College of Business Administration, University of Texas at Arlington, Arlington; Mayers, Raymond Sanchez; Assistant Professor, Graduate School of Social Work, University of Texas at Arlington, Arlington, TX, 76019