1. School of Business, Stockton University, Galloway, New Jersey, USA
2. Department of Marketing, College of Business, Bowling Green State University, Bowling Green, Ohio, USA
3. Department of Marketing, LeBow College of Business, Drexel University, Philadelphia, Pennsylvania, USA
4. College of Business Administration, Savannah State University, Savannah, Georgia, USA
5. Department of Marketing and Management Sciences, Cotsakos College of Business, William Paterson University, Wayne, New Jersey, USA
6. ACIP Technology Ltd. Company, Vancouver, Canada