Institution: | 1. Design and Communications, Anglia Polytechnic University, CM1 1LL, Chelmsford, Essex, UK 2. Warwick Business School, University of Warwick, CV4 7LA, Coventry, UK 3. Southern Life Assurance Ltd., Newlands, Capetown, South Africa 4. Research Centre for Systems & Information Sciences, University of Humberside, Cottingham Road, HU6 7RT, Hull, UK 5. Centre for Systems Studies, University of Hull, Cottingham Road, HU6 7RX, Hull, UK
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