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First Author:
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| Venus Khim-Sen Liew |
| Labuan School of International Business and Finance, University Malaysia Sabah, Malaysia |
| venusliew@yahoo.com |
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Second Author:
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| Hock-Ann Lee |
| Universiti Malaysia Sabah |
| hockannlee@yahoo.com |
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| Labuan School, Universiti Malaysia Sabah, Jalan Sungai Pagar |
| Labuan, 87000, Malaysia |
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Third Author:
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| Kian-Ping Lim |
| Universiti Malaysia Sabah |
| kianpinglim@yahoo.com |
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| Labuan School, Universiti Malaysia Sabah, Jalan Sungai Pagar |
| Labuan, 87000, Malaysia |
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