1. PhD, Associate Professor, is affiliated to the School of Accounting, Economics and Finance, University of Southern Queensland, Toowoomba, Australia
2. PhD, Research Associate, is affiliated to the Health Economics and HIV and AIDS Research Division (HEARD), University of KwaZulu-Natal, Durban, South Africa
3. PhD, Senior Researcher, is affiliated to the HEARD, University of KwaZulu-Natal, Durban, South Africa
4. PhD, Senior Lecturer, is affiliated to the School of Psychology, University of KwaZulu-Natal, Durban, South Africa