<?xml version="1.0" encoding="UTF-8"?>
<xml><bibliography><APA>Heal Pem และ Vichitthamaros Preecha. (2023) Motor Insurance in Phnom Penh, Cambodia. &lt;i&gt;Journal of Family Business and Management Studies&lt;/i&gt;, &lt;i&gt;15&lt;/i&gt;(2), p3-20.</APA><Chicago>Heal Pem และ Vichitthamaros Preecha. "Motor Insurance in Phnom Penh, Cambodia". Journal of Family Business and Management Studies  15 (2023):p3-20.</Chicago><MLA>Heal Pem และ Vichitthamaros Preecha. Motor Insurance in Phnom Penh, Cambodia. University of the Thai Chamber of Commerce:ม.ป.ท. 2023.</MLA></bibliography></xml>
