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Abrenica, M., & Llanto, G. (2003-03-27). Services. In The Philippine Economy: Development, Policies, and Challenges. : Oxford University Press. Retrieved 30 Nov. 2021, from https://oxford.universitypressscholarship.com/view/10.1093/0195158989.001.0001/acprof-9780195158984-chapter-8.