@article{ref1,
title="Externalities, Insurance, and Disability Analysis",
journal="Economica",
year="1967",
author="Williamson, Oliver E. and Olson, Douglas G. and Ralston, August",
volume="34",
number="135",
pages="235-253",
abstract="<p>[Abstract unavailable]</p>",
language="",
issn="0013-0427",
doi="10.2307/2552024",
url="http://dx.doi.org/10.2307/2552024"
}