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THE                 JOURNAL OF ECONOMIC SCIENCES: THEORY AND PRACTICE, V.82, # 2, 2025, pp. 96-116

                    Author  Contributions:  Author  Contributions:  Conceptualization,  N.H.,  D.A.;
                    methodology, N.H.; software, D.A.; validation, N.H. and D.A.; formal analysis, D.A.;
                    investigation, N.H. and D.A.; resources, D.A.; data curation, N.H. and D.A.; writing -
                    original draft preparation, N.H.; writing—review and editing, N.H.; visualization, D.A.;
                    supervision, N.H. and D.A.; project administration, N.H.; funding acquisition, D.A. All
                    authors have read and agreed to the published version of the manuscript.
                    Funding: This research received no external funding.
                    Institutional Review Board Statement: Not applicable.
                    Informed Consent Statement: Not applicable.
                    Data Availability Statement: Data is available upon a request.
                    Conflicts of Interest: The authors declare no conflict of interest.































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