“…Health 4 Woodbury & Dollery, 2004Geymueller, 2009;Wei & Jiansheng, 2011;Çelen & Yalçın, 2012 Service 4 Bowlin et al, 2003 Insurance 1 Bartilow & Eom, 2009 Police 1 Cordero-Ferrera et.al., 2010;Thanassoulis et.al., 2011;Kao et.al., 2011;Sohn & Kim, 2012;Azizi & Paktinat, 2013. Education 5 Vakkuri, 2003Revilla et al, 2003;Meng et al, 2008;Khalili et al, 2010;Souza et al, 2011;Lin et al, 2013. Research 6 Krivonozhko et al, 2004;Joro & Viitala, 2004;Toloo & Nalchigar, 2011, Tao et al, 2012.…”