?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.au=Lee+%2C+Learn+Ping&rft.aulast=Lee+&rft.aufirst=Learn+Ping&rft.degree=Masters&rft.date=2006&rft.title=Development+of+web+services+for+personal+unit+trust+management&rft.inst=Open+University+Malaysia