Polytechnic Institute of Lisbon, affiliation not provided to SSRN, Polytechnic Institute of Lisbon, Polytechnic Institute of Lisbon, Polytechnic Institute of Lisbon, Polytechnic Institute of Lisbon, affiliation not provided to SSRN, Moderna University of Porto, affiliation not provided to SSRN, Polytechnic Institute of Lisbon, Kazimierz Wielki University in Bydgoszcz, affiliation not provided to SSRN and Polytechnic Institute of Lisbon