id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
ajfa-1764	Apergis, Nicholas; Gabrielsen, Alexandros; Payne, James; Zagaglia, Paolo	Testing for Convergence in the European Insurance Sector: A Non-Linear Factor Approach	2012	17	.pdf	application/pdf	5831	273	49	It is possible, when moving away from the strict null hypothesis of full convergence, to observe convergence clusters around separate equilibrium, or even convergence clusters and divergent members in the full panel. Keywords: financial convergence, Phillip and Sul convergence method, European insurance sector ________________ * Corresponding author Asian Journal of Finance & Accounting ISSN 1946-052X 2012, Vol. 4, No. 2 www.macrothink.org/ajfa 3 1.	cache/ajfa-1764.pdf	txt/ajfa-1764.txt