1. Department of Actuarial Science, College of Business and Economics, Hanyang University, Ansan, 15588, South Korea
2. Bayes Business School, City, University of London, London EC1Y 8TZ, UK
3. EDNE School of Business and Economics, University of the Americas Puebla, Sta. Catarina Mártir, Cholula, 72810 Puebla, México