Willie, Michael Mncedisi. “Optimizing Marketing Strategies and Expenses in Medical Schemes, South Africa: Challenges and Solutions”. Golden Ratio of Marketing and Applied Psychology of Business 4, no. 2 (June 15, 2024): 109–111. Accessed August 9, 2026. https://www.goldenratio.id/index.php/grmapb/article/view/445.