1 Department of Health Services Management, Faculty of Health Sciences, University of MaltaMsida, Malta; School of Social Policy, College of Social Sciences, University of BirminghamBirmingham, UK; Aston Business School, Aston UniversityBirmingham, UK.
2 Department of Insurance, Faculty of Economics, Management and Accountancy, University of Malta Msida, Malta.
3 Department of Economics, Faculty of Economics, Management and Accountancy, University of Malta Msida, Malta.