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Notes
Armand Picou is Assistant Professor of International Banking at Texas A&M International University, Laredo, Texas. Emanuel Peluchon is a recent graduate of the MBA program at Texas A&M International University. Part of this article has been issued as a Technical Report by the Institute for International Trade which furnished the Maquiladora addresses and funded the survey. The Institute for International Trade, a part of which is under the Texas Centers for Border Economic and Enterprise Development, is under the direction of the Texas A&M International University and the Graduate School for International Trade and Business Administration.