G. . Gemparo-Galleon, I. E. . Abella, and J. S. T. . Galleon, “Cost-Benefit Analysis model for Tertiary Education: Face-to-Face Versus Online Teaching-Learning Modalities”, Am. J. Multidis. Res. Innov., vol. 5, no. 2, pp. 18–42, Mar. 2026, doi: 10.54536/ajmri.v5i2.5482.