University of Leeds, University of Leeds, Norwegian University of Science and Technology (NTNU), University of the North - Department of Civil and Environmental Engineering, Pontificia Universidad Catolica de Chile, University of Vermont, Seoul National University, University of Waikato, Pontificia Universidad Catolica de Chile, Seoul National University, affiliation not provided to SSRN, University of the Basque Country, Lincoln University, Hochschule für Wirtschaft und Recht Berlin, Pontificia Universidad Catolica de Chile, affiliation not provided to SSRN and University of Waikato Management School - Economics