First Author:   Siew-Pong Cheah Universiti Tunku Abdul Rahman cheahsp@utar.edu.my   , Malaysia       Second Author: Thian-Hee Yiew Universiti Tunku Abdul Rahman yiewth@utar.edu.my   , Malaysia       Third Author: Cheong-Fatt Ng Universiti Tunku Abdul Rahman ngcf@utar.edu.my   , Malaysia