Ercan Özen is associate professor of finance in department of banking and finance, Faculty of Applied Sciences, University of Uşak, Turkey. His current research interests include different aspects of Finance.Simon Grima is the Head of the Department of Insurance, in charge of the Bachelor of Commerce in Insurance, the Bachelor of Commerce (Honours) and Master's degrees in Insurance and Risk Management and an Associate Professor at the University of Malta.Rebecca Dalli Gonzi is a senior lecturer at the Department for Construction and Property Management, University of Malta. She is a registered and certified civil engineer by the Chamber of Architects, Malta. She has worked in the private and public sector, both in Malta and in Scotland.