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Submitted on: 07 August 1998.
Revised on: 09 November 1998.
Accepted on: 27 November 1998.
___________________Journal of Risk Finance---EMERALD GROUP PUBLISHING LTD
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Submitted on: 10 January 2021.
Revised on: 11 March 2021.
Accepted on: 05 May 2021.
___________________Journal of Risk Finance---EMERALD GROUP PUBLISHING LTD