Bartlett, D.K.; Klein, R.W.; and Russell, D.T., “Attempts to
Socialize Insurance Costs in Voluntary Insurance Markets: The
Historical Record,” Journal of Insurance Regulation, Summer
1999, pp. 478-511.
谢谢二楼,有没有从Journal of Insurance Regulation上弄下来的pdf,google得到的页码不匹配


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