@article{ref1,
title="1996 U.S. fire loss",
journal="NFPA journal",
year="1997",
author="Karter, Michael J.",
volume="91",
number="5",
pages="76-83",
abstract="Abstract unavailable.",
language="",
issn="1054-8793",
doi="",
url="http://dx.doi.org/"
}