@article{ref1,
title="The Use of Age, Sex, and Marital Status as Rating Variables in Automobile Insurance",
journal="University of Toronto law journal",
year="1989",
author="Wiegers, Wanda A.",
volume="39",
number="2",
pages="149-210",
abstract="<p>[Abstract unavailable]</p>",
language="",
issn="0042-0220",
doi="10.2307/825737",
url="http://dx.doi.org/10.2307/825737"
}