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Authors
Cassar, Dylan https://orcid.org/0000-0001-7432-8330
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Funding
Funding for this research was provided by:
University of Malta
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Article History
Received: 2 October 2024
Accepted: 28 January 2026
First Online: 18 February 2026
Declarations
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: A version of this paper was uploaded as a working paper to an online portal of the Foundation for Affordable Housing ( ).
: The author declares no competing interests.
