1. Department of Construction and Property Management, Faculty of Built Environment, University of Malta, MSD2080 Msida, Malta
2. Department of Insurance and Risk Management, Faculty of Economics, Management and Accountancy, University of Malta, MSD2080 Msida, Malta
3. Faculty of Business, Management and Economics, University of Latvia, LV-1586 Riga, Latvia
4. Malta College of Arts Science and Technology Malta, University of Malta, PLA3032 Paola, Malta