1. a The Sellinger School of Business and Management , Loyola College in Maryland , 4501 N. Charles Street, Baltimore , MD , 21210 , USA
2. b Facultad de Economía y Negocios , Universidad Alberto Hurtado , Erasmo Escala, 1835 , Santiago , Chile
3. c University of Maryland Baltimore County , 1000 Hilltop Road, Baltimore , MD , 21250 , USA