@article{ref1,
title="Flood Losses - Significance of the Commercial Sector",
journal="Disasters",
year="1979",
author="Tobin, Graham A.",
volume="3",
number="2",
pages="217-223",
abstract="<p>[Abstract unavailable]</p>",
language="",
issn="0361-3666",
doi="",
url="http://dx.doi.org/"
}