@article{ref1,
title="The Riskless Society",
journal="Journal of Risk and Insurance",
year="1978",
author="Athearn, James L.",
volume="45",
number="4",
pages="564-573",
abstract="<p>[Abstract unavailable]</p>",
language="",
issn="0022-4367",
doi="10.2307/252243",
url="http://dx.doi.org/10.2307/252243"
}