1. Faculty of Business and Economics, University of Lausanne , Lausanne , Switzerland
2. Research Center for Statistics, GSEM, University of Geneva , Geneva 4 , Switzerland
3. Department of Statistical Science, University College London , London , UK
4. Faculty of Actuarial Science and Insurance, Bayes Business School, City, University of London , London , UK
5. Institute of Microbiology, Lausanne University Hospital , Lausanne , Switzerland