@inbook {13306,
	title = {Extending the Theory to Meet the Practice of Insurance},
	booktitle = {Brookings-Wharton Papers on Financial Services, 2004},
	year = {2004},
	publisher = {Brookings Institution},
	organization = {Brookings Institution},
	address = {Washington DC},
	author = {David M Cutler and Richard Zeckhauser},
	editor = {Robert Litan and Richard Herring}
}
