[1] Western Washington Univ, 516 High St, Bellingham, WA 98225 USA
[2] Univ Oxford, Said Business Sch, Pk End St, Oxford OX1 1HP, England
[3] Natl Univ Singapore, Lloyds Register Fdn Inst Publ Understanding Risk, NUS Business Sch, 15 Kent Ridge Rd, Singapore 119245, Singapore