id	sid	eid	entity	type
fsr-3776	1	1	4(2	CARDINAL
fsr-3776	1	2	109	CARDINAL
fsr-3776	1	3	0 1995	DATE
fsr-3776	1	4	jai press inc	ORG
fsr-3776	1	5	1057-0810	DATE
fsr-3776	2	1	larry a. cox sandra g. gustavson	PERSON
fsr-3776	8	1	i. introduction	PERSON
fsr-3776	8	2	1991	DATE
fsr-3776	9	1	1989	DATE
fsr-3776	10	1	pritchett & wilder,	ORG
fsr-3776	10	2	1986	DATE
fsr-3776	14	1	larry a. cox	PERSON
fsr-3776	16	1	department of economics	ORG
fsr-3776	16	2	301	CARDINAL
fsr-3776	16	3	conner hall, university	ORG
fsr-3776	16	4	38677	DATE
fsr-3776	17	1	sandra g. gustavson	PERSON
fsr-3776	19	1	the university of georgia	ORG
fsr-3776	19	2	206	CARDINAL
fsr-3776	19	3	brooks hall	ORG
fsr-3776	19	4	athens	GPE
fsr-3776	19	5	ga 30602-6255	ORG
fsr-3776	20	1	110	CARDINAL
fsr-3776	20	2	4(2	CARDINAL
fsr-3776	20	3	1995	DATE
fsr-3776	23	1	walden (	ORG
fsr-3776	23	2	1985	DATE
fsr-3776	27	1	first	ORDINAL
fsr-3776	34	1	section vi. ii	LAW
fsr-3776	35	1	1970	DATE
fsr-3776	37	1	al.	GPE
fsr-3776	37	2	1983	DATE
fsr-3776	38	1	1983	DATE
fsr-3776	38	2	puelz & snow, 1994	ORG
fsr-3776	38	3	1984	DATE
fsr-3776	38	4	1992	DATE
fsr-3776	38	5	browne & doerping haus	ORG
fsr-3776	38	6	1993	DATE
fsr-3776	42	1	1970	DATE
fsr-3776	43	1	111	CARDINAL
fsr-3776	45	1	rothschild	PERSON
fsr-3776	45	2	stiglitz	PERSON
fsr-3776	45	3	1976	DATE
fsr-3776	47	1	rothschild	PERSON
fsr-3776	47	2	stiglitz	PERSON
fsr-3776	47	3	price.4	NORP
fsr-3776	47	4	1994	DATE
fsr-3776	47	5	rothschild	PERSON
fsr-3776	47	6	stiglitz	PERSON
fsr-3776	49	1	first	ORDINAL
fsr-3776	53	1	puelz	PERSON
fsr-3776	53	2	one	CARDINAL
fsr-3776	55	1	first	ORDINAL
fsr-3776	62	1	1	CARDINAL
fsr-3776	64	1	112	CARDINAL
fsr-3776	64	2	4(2	CARDINAL
fsr-3776	64	3	2	CARDINAL
fsr-3776	69	1	two years	DATE
fsr-3776	71	1	3	CARDINAL
fsr-3776	72	1	six months	DATE
fsr-3776	75	1	4	CARDINAL
fsr-3776	79	1	weekly	DATE
fsr-3776	79	2	hours	TIME
fsr-3776	84	1	5	CARDINAL
fsr-3776	85	1	113	CARDINAL
fsr-3776	88	1	1	CARDINAL
fsr-3776	89	1	198 1	CARDINAL
fsr-3776	89	2	mdh	PERSON
fsr-3776	90	1	mayers & smith	ORG
fsr-3776	90	2	1981	DATE
fsr-3776	90	3	smith,	ORG
fsr-3776	90	4	1986	DATE
fsr-3776	93	1	mayers & smith	ORG
fsr-3776	93	2	1981	DATE
fsr-3776	95	1	myers	ORG
fsr-3776	95	2	pritchett (1983	ORG
fsr-3776	96	1	walden	GPE
fsr-3776	96	2	1985	DATE
fsr-3776	97	1	mayers	PERSON
fsr-3776	98	1	2	CARDINAL
fsr-3776	101	1	3	CARDINAL
fsr-3776	101	2	higgins	NORP
fsr-3776	101	3	shughart	ORG
fsr-3776	101	4	tollison	GPE
fsr-3776	101	5	1989	DATE
fsr-3776	103	1	carlton	ORG
fsr-3776	103	2	1986	DATE
fsr-3776	104	1	114	CARDINAL
fsr-3776	104	2	4(2	CARDINAL
fsr-3776	104	3	1995	DATE
fsr-3776	105	1	54	CARDINAL
fsr-3776	105	2	year-end 1988	DATE
fsr-3776	105	3	1989	DATE
fsr-3776	106	1	1988	DATE
fsr-3776	106	2	1993	DATE
fsr-3776	107	1	48-50	CARDINAL
fsr-3776	108	1	u.s.	GPE
fsr-3776	108	2	treasury	ORG
fsr-3776	108	3	december 30, 1988	DATE
fsr-3776	109	1	the national association of insurance	ORG
fsr-3776	109	2	naic	ORG
fsr-3776	109	3	1989	DATE
fsr-3776	110	1	naic	ORG
fsr-3776	110	2	12	CARDINAL
fsr-3776	111	1	four	CARDINAL
fsr-3776	112	1	1989	DATE
fsr-3776	113	1	1	CARDINAL
fsr-3776	113	2	lancaster	ORG
fsr-3776	113	3	1971	DATE
fsr-3776	115	1	jones	PERSON
fsr-3776	115	2	1988	DATE
fsr-3776	121	1	1	CARDINAL
fsr-3776	121	2	1	CARDINAL
fsr-3776	121	3	1	CARDINAL
fsr-3776	121	4	0	CARDINAL
fsr-3776	122	1	age 65	DATE
fsr-3776	122	2	two-year	DATE
fsr-3776	123	1	2	CARDINAL
fsr-3776	123	2	1,000	MONEY
fsr-3776	123	3	annual	DATE
fsr-3776	125	1	2,000	MONEY
fsr-3776	125	2	35.9	CARDINAL
fsr-3776	125	3	1988	DATE
fsr-3776	125	4	disubil@	ORG
fsr-3776	125	5	115	CARDINAL
fsr-3776	126	1	approximately 40%	PERCENT
fsr-3776	126	2	1988	DATE
fsr-3776	127	1	3	CARDINAL
fsr-3776	130	1	two	CARDINAL
fsr-3776	131	1	first	ORDINAL
fsr-3776	131	2	one	CARDINAL
fsr-3776	131	3	zero	CARDINAL
fsr-3776	132	1	second	ORDINAL
fsr-3776	132	2	rszd2	PRODUCT
fsr-3776	132	3	one	CARDINAL
fsr-3776	132	4	zero	CARDINAL
fsr-3776	133	1	rszd2	PRODUCT
fsr-3776	133	2	two	CARDINAL
fsr-3776	133	3	two	CARDINAL
fsr-3776	133	4	rszd2	PRODUCT
fsr-3776	135	1	4	CARDINAL
fsr-3776	135	2	one	CARDINAL
fsr-3776	135	3	zero	CARDINAL
fsr-3776	136	1	12	CARDINAL
fsr-3776	136	2	naic	ORG
fsr-3776	137	1	1988	DATE
fsr-3776	144	1	1	CARDINAL
fsr-3776	144	2	44	CARDINAL
fsr-3776	144	3	age 65	DATE
fsr-3776	145	1	annual	DATE
fsr-3776	145	2	100	MONEY
fsr-3776	145	3	monthly	DATE
fsr-3776	146	1	30 to 180 days	DATE
fsr-3776	147	1	over half	CARDINAL
fsr-3776	147	2	30-day	DATE
fsr-3776	148	1	116	CARDINAL
fsr-3776	148	2	4(2	CARDINAL
fsr-3776	148	3	1995	DATE
fsr-3776	148	4	1	CARDINAL
fsr-3776	148	5	age 65	DATE
fsr-3776	150	1	49.40	CARDINAL
fsr-3776	150	2	67.19	CARDINAL
fsr-3776	150	3	48.41	CARDINAL
fsr-3776	150	4	32.49	CARDINAL
fsr-3776	151	1	0	CARDINAL
fsr-3776	152	1	annual	DATE
fsr-3776	152	2	100	MONEY
fsr-3776	152	3	monthly	DATE
fsr-3776	152	4	years	DATE
fsr-3776	152	5	1	CARDINAL
fsr-3776	152	6	1	CARDINAL
fsr-3776	152	7	0	CARDINAL
fsr-3776	152	8	naic-prescribed range	ORG
fsr-3776	153	1	only one	CARDINAL
fsr-3776	153	2	two	CARDINAL
fsr-3776	156	1	1	CARDINAL
fsr-3776	156	2	40	CARDINAL
fsr-3776	156	3	44	CARDINAL
fsr-3776	159	1	2	CARDINAL
fsr-3776	159	2	age 65	DATE
fsr-3776	160	1	1	CARDINAL
fsr-3776	164	1	kuh	ORG
fsr-3776	164	2	welsch	GPE
fsr-3776	164	3	1980	DATE
fsr-3776	164	4	2	CARDINAL
fsr-3776	164	5	greene	PERSON
fsr-3776	164	6	1990	DATE
fsr-3776	164	7	20	CARDINAL
fsr-3776	166	1	2	CARDINAL
fsr-3776	167	1	five	CARDINAL
fsr-3776	170	1	2	CARDINAL
fsr-3776	173	1	nc	GPE
fsr-3776	173	2	su ra nc e w	PERSON
fsr-3776	174	1	io	FAC
fsr-3776	175	1	t o	DATE
fsr-3776	175	2	ge	ORG
fsr-3776	175	3	6 5	CARDINAL
fsr-3776	175	4	ia	GPE
fsr-3776	178	1	80 3	DATE
fsr-3776	178	2	2	CARDINAL
fsr-3776	178	3	8w	CARDINAL
fsr-3776	178	4	3	CARDINAL
fsr-3776	180	1	66 1	CARDINAL
fsr-3776	180	2	i~ ep e~ en t	PERSON
fsr-3776	180	3	ia	GPE
fsr-3776	184	1	2 o	DATE
fsr-3776	184	2	g ir	PERSON
fsr-3776	184	3	di tio n (1 (+	ORG
fsr-3776	186	1	1	CARDINAL
fsr-3776	186	2	2	CARDINAL
fsr-3776	186	3	o	DATE
fsr-3776	189	1	73	CARDINAL
fsr-3776	189	2	-1	ORG
fsr-3776	189	3	15 .3 56	CARDINAL
fsr-3776	189	4	-1	ORG
fsr-3776	189	5	3	CARDINAL
fsr-3776	189	6	91 8	DATE
fsr-3776	190	1	55 44	DATE
fsr-3776	190	2	9	CARDINAL
fsr-3776	190	3	52	DATE
fsr-3776	191	1	69 3	CARDINAL
fsr-3776	191	2	9 .6 8)	MONEY
fsr-3776	192	1	71 5	CARDINAL
fsr-3776	193	1	78 7	DATE
fsr-3776	193	2	55 .0	QUANTITY
fsr-3776	195	1	57 9 1	DATE
fsr-3776	195	2	71	CARDINAL
fsr-3776	196	1	39	CARDINAL
fsr-3776	197	1	52	CARDINAL
fsr-3776	197	2	1 30 .5 %	PERCENT
fsr-3776	197	3	5 12 .9	MONEY
fsr-3776	197	4	49 39	DATE
fsr-3776	197	5	8 4. 9	DATE
fsr-3776	198	1	69 2	CARDINAL
fsr-3776	198	2	1 0	DATE
fsr-3776	198	3	54	DATE
fsr-3776	199	1	76 1	CARDINAL
fsr-3776	200	1	62 8)	CARDINAL
fsr-3776	200	2	3	CARDINAL
fsr-3776	200	3	1 0	DATE
fsr-3776	200	4	1	CARDINAL
fsr-3776	201	1	47 .1	QUANTITY
fsr-3776	202	1	-1	ORG
fsr-3776	206	1	2	CARDINAL
fsr-3776	206	2	50	CARDINAL
fsr-3776	206	3	45	CARDINAL
fsr-3776	208	1	18 11	CARDINAL
fsr-3776	208	2	6 31	DATE
fsr-3776	208	3	9 1	DATE
fsr-3776	208	4	3	CARDINAL
fsr-3776	209	1	90 7	DATE
fsr-3776	209	2	1 1	DATE
fsr-3776	209	3	14	CARDINAL
fsr-3776	209	4	1 .0 2	MONEY
fsr-3776	209	5	1 .0 4	MONEY
fsr-3776	210	1	63 5	CARDINAL
fsr-3776	210	2	3 .7 3	CARDINAL
fsr-3776	210	3	9 .8	MONEY
fsr-3776	211	1	un te d va lu es o	PERSON
fsr-3776	212	1	di vi du al	PERSON
fsr-3776	212	2	ge	ORG
fsr-3776	212	3	u p	ORG
fsr-3776	212	4	3 5	CARDINAL
fsr-3776	212	5	ye ar s. ‘i n	PERSON
fsr-3776	212	6	io	FAC
fsr-3776	212	7	o	DATE
fsr-3776	213	1	cu pa tio n	ORG
fsr-3776	213	2	io n	FAC
fsr-3776	213	3	io	FAC
fsr-3776	213	4	o	DATE
fsr-3776	213	5	t o	DATE
fsr-3776	214	1	io n	FAC
fsr-3776	216	1	io	LOC
fsr-3776	216	2	t o	DATE
fsr-3776	217	1	io n	FAC
fsr-3776	217	2	1	CARDINAL
fsr-3776	221	1	1	CARDINAL
fsr-3776	228	1	2	CARDINAL
fsr-3776	228	2	te ra ct io n	PERSON
fsr-3776	228	3	1	CARDINAL
fsr-3776	230	1	f st oc k	GPE
fsr-3776	230	2	su	PERSON
fsr-3776	230	3	k = n	PERSON
fsr-3776	230	4	sc ri	GPE
fsr-3776	230	5	ng e di vi de d	PERSON
fsr-3776	230	6	io s	FAC
fsr-3776	230	7	qu ir ed	PERSON
fsr-3776	231	1	ar ke	PERSON
fsr-3776	231	2	e. v al ue	PERSON
fsr-3776	232	1	io ns	FAC
fsr-3776	233	1	ig ni fi	PERSON
fsr-3776	238	1	05	CARDINAL
fsr-3776	238	2	su ra nc e w	PERSON
fsr-3776	238	3	t w oye ar	ORG
fsr-3776	238	4	io ns	FAC
fsr-3776	238	5	ia	GPE
fsr-3776	238	6	dr ed s	PERSON
fsr-3776	238	7	sr af	PERSON
fsr-3776	238	8	ri cs n ep d	PERSON
fsr-3776	241	1	2 o	DATE
fsr-3776	241	2	g ir	PERSON
fsr-3776	241	3	st ed c	PERSON
fsr-3776	241	4	di ri	GPE
fsr-3776	242	1	3 6	CARDINAL
fsr-3776	242	2	2	CARDINAL
fsr-3776	242	3	o	DATE
fsr-3776	242	4	1	CARDINAL
fsr-3776	242	5	09	CARDINAL
fsr-3776	244	1	62	CARDINAL
fsr-3776	244	2	17 8)	CARDINAL
fsr-3776	244	3	10 2	CARDINAL
fsr-3776	244	4	12 6	CARDINAL
fsr-3776	244	5	11 9	CARDINAL
fsr-3776	245	1	13	CARDINAL
fsr-3776	245	2	6 .3 1	QUANTITY
fsr-3776	245	3	2	CARDINAL
fsr-3776	245	4	1	CARDINAL
fsr-3776	245	5	57 .0	PERCENT
fsr-3776	245	6	85	DATE
fsr-3776	245	7	2 05 -.0	DATE
fsr-3776	245	8	94 .3	PERCENT
fsr-3776	245	9	34 5	DATE
fsr-3776	245	10	04	CARDINAL
fsr-3776	247	1	32 18 .4 3	DATE
fsr-3776	247	2	1 .4 8)	MONEY
fsr-3776	248	1	19 3	CARDINAL
fsr-3776	248	2	1 .2 2	MONEY
fsr-3776	249	1	14 4	DATE
fsr-3776	250	1	12 6	CARDINAL
fsr-3776	251	1	14 0	DATE
fsr-3776	252	1	71 4	DATE
fsr-3776	252	2	1 .8 5	PERCENT
fsr-3776	252	3	3	CARDINAL
fsr-3776	253	1	28	CARDINAL
fsr-3776	253	2	4	CARDINAL
fsr-3776	254	1	60	CARDINAL
fsr-3776	255	1	67 .2	MONEY
fsr-3776	255	2	06	CARDINAL
fsr-3776	256	1	41 2	CARDINAL
fsr-3776	256	2	86	CARDINAL
fsr-3776	257	1	75 2	CARDINAL
fsr-3776	257	2	11	CARDINAL
fsr-3776	257	3	5	CARDINAL
fsr-3776	257	4	92	CARDINAL
fsr-3776	258	1	34 18 .0 1 17	MONEY
fsr-3776	258	2	20 9	DATE
fsr-3776	258	3	1 .2 5	MONEY
fsr-3776	258	4	15 7	DATE
fsr-3776	259	1	16	CARDINAL
fsr-3776	260	1	w	PERSON
fsr-3776	261	1	w	ORG
fsr-3776	261	2	1	CARDINAL
fsr-3776	262	1	86 5	CARDINAL
fsr-3776	262	2	ic es ar c	PERSON
fsr-3776	262	3	di sc ou nt	FAC
fsr-3776	266	1	35	CARDINAL
fsr-3776	267	1	de fi ni tio ns	ORG
fsr-3776	267	2	ia	GPE
fsr-3776	267	3	ab le 2	ORG
fsr-3776	268	1	ig ni fi	PERSON
fsr-3776	269	1	01	CARDINAL
fsr-3776	271	1	05	CARDINAL
fsr-3776	273	1	119 one percent	PERCENT
fsr-3776	273	2	3	CARDINAL
fsr-3776	274	1	eight	CARDINAL
fsr-3776	274	2	over 10	CARDINAL
fsr-3776	274	3	61.8%	PERCENT
fsr-3776	276	1	.05	ORG
fsr-3776	277	1	second	ORDINAL
fsr-3776	277	2	zero	CARDINAL
fsr-3776	278	1	only 15	CARDINAL
fsr-3776	278	2	48%	PERCENT
fsr-3776	279	1	3	CARDINAL
fsr-3776	279	2	two-year	DATE
fsr-3776	280	1	three	CARDINAL
fsr-3776	281	1	3	CARDINAL
fsr-3776	282	1	one	CARDINAL
fsr-3776	282	2	.05	ORG
fsr-3776	285	1	1988	DATE
fsr-3776	286	1	subsequent years	DATE
fsr-3776	287	1	vi	PERSON
fsr-3776	296	1	120	CARDINAL
fsr-3776	296	2	4(2	CARDINAL
fsr-3776	296	3	1995	DATE
fsr-3776	304	1	helen doerpinghaus	PERSON
fsr-3776	304	2	han kang	PERSON
fsr-3776	304	3	jorge urrutia	PERSON
fsr-3776	305	1	1	CARDINAL
fsr-3776	305	2	1989	DATE
fsr-3776	305	3	only 12.6%	PERCENT
fsr-3776	305	4	1988	DATE
fsr-3776	306	1	four	CARDINAL
fsr-3776	306	2	only 37.2%	PERCENT
fsr-3776	308	1	2	CARDINAL
fsr-3776	308	2	american council of life insurance	ORG
fsr-3776	308	3	1994	DATE
fsr-3776	308	4	67%	PERCENT
fsr-3776	308	5	1991	DATE
fsr-3776	308	6	only 22%	PERCENT
fsr-3776	308	7	u.s.	GPE
fsr-3776	309	1	3	CARDINAL
fsr-3776	309	2	1992	DATE
fsr-3776	310	1	4	CARDINAL
fsr-3776	310	2	wilson	ORG
fsr-3776	310	3	1977	DATE
fsr-3776	310	4	miyazaki	PERSON
fsr-3776	310	5	1977	DATE
fsr-3776	310	6	roth schild	PERSON
fsr-3776	310	7	stiglitz	PERSON
fsr-3776	312	1	5	CARDINAL
fsr-3776	312	2	one	CARDINAL
fsr-3776	312	3	monthly	DATE
fsr-3776	313	1	6	CARDINAL
fsr-3776	315	1	7	CARDINAL
fsr-3776	316	1	al1	GPE
fsr-3776	318	1	8	CARDINAL
fsr-3776	318	2	annual	DATE
fsr-3776	318	3	u.s.	GPE
fsr-3776	318	4	treasury	ORG
fsr-3776	319	1	9	CARDINAL
fsr-3776	320	1	121	CARDINAL
fsr-3776	322	1	10	CARDINAL
fsr-3776	323	1	1995	DATE
fsr-3776	324	1	1991	DATE
fsr-3776	324	2	1993	DATE
fsr-3776	325	1	g.a.	PERSON
fsr-3776	326	1	1970	DATE
fsr-3776	328	1	quarterly	DATE
fsr-3776	328	2	84,488	CARDINAL
fsr-3776	329	1	american council of life insurance	ORG
fsr-3776	330	1	1994	DATE
fsr-3776	331	1	1994	DATE
fsr-3776	332	1	washington	GPE
fsr-3776	332	2	dc	GPE
fsr-3776	333	1	beliveau	GPE
fsr-3776	333	2	b.c.	GPE
fsr-3776	333	3	1984	DATE
fsr-3776	335	1	51,286	CARDINAL
fsr-3776	336	1	belsley	PERSON
fsr-3776	336	2	d.a.	PERSON
fsr-3776	336	3	kuh, e., & welsch	ORG
fsr-3776	336	4	r.e.	PERSON
fsr-3776	336	5	1980	DATE
fsr-3776	338	1	new york	GPE
fsr-3776	338	2	john wiley	PERSON
fsr-3776	339	1	blease	PERSON
fsr-3776	339	2	r.l.	PERSON
fsr-3776	339	3	1995	DATE
fsr-3776	341	1	february	DATE
fsr-3776	341	2	56	CARDINAL
fsr-3776	342	1	browne	PERSON
fsr-3776	342	2	m.j.	PERSON
fsr-3776	342	3	1992	DATE
fsr-3776	344	1	59	CARDINAL
fsr-3776	344	2	13	CARDINAL
fsr-3776	345	1	browne	PERSON
fsr-3776	345	2	m.j.	ORG
fsr-3776	347	1	1993	DATE
fsr-3776	349	1	60,300	CARDINAL
fsr-3776	350	1	carlton, d.w.	ORG
fsr-3776	350	2	1986	DATE
fsr-3776	352	1	american	NORP
fsr-3776	352	2	76,637	CARDINAL
fsr-3776	353	1	cox	GPE
fsr-3776	353	2	l.a.	GPE
fsr-3776	353	3	199 1	CARDINAL
fsr-3776	355	1	6 l-78	QUANTITY
fsr-3776	356	1	cox	GPE
fsr-3776	356	2	l.a.	GPE
fsr-3776	356	3	s.g.	GPE
fsr-3776	356	4	a.	PERSON
fsr-3776	356	5	199 1	CARDINAL
fsr-3776	358	1	58	DATE
fsr-3776	358	2	128	CARDINAL
fsr-3776	359	1	1993	DATE
fsr-3776	361	1	hartford	GPE
fsr-3776	362	1	cummins	PERSON
fsr-3776	362	2	j.d.	GPE
fsr-3776	362	3	smith	GPE
fsr-3776	362	4	b.d.	GPE
fsr-3776	362	5	vance	PERSON
fsr-3776	362	6	n.r.	GPE
fsr-3776	362	7	j. (1983	ORG
fsr-3776	364	1	boston	GPE
fsr-3776	364	2	kluwer	ORG
fsr-3776	364	3	nijhoff	GPE
fsr-3776	365	1	b.c.	GPE
fsr-3776	365	2	1983	DATE
fsr-3776	366	1	canadian	NORP
fsr-3776	367	1	journal of pubiic economics	ORG
fsr-3776	367	2	20	CARDINAL
fsr-3776	367	3	121	CARDINAL
fsr-3776	367	4	30	CARDINAL
fsr-3776	368	1	flue& c. (	ORG
fsr-3776	368	2	1992	DATE
fsr-3776	370	1	g. dionne	PERSON
fsr-3776	370	2	ed	PERSON
fsr-3776	371	1	359-375	CARDINAL
fsr-3776	372	1	norwell	ORG
fsr-3776	373	1	greene	ORG
fsr-3776	373	2	w.h.	GPE
fsr-3776	373	3	1990	DATE
fsr-3776	375	1	new york macmillan	ORG
fsr-3776	376	1	higgins	PERSON
fsr-3776	376	2	r.s.	PERSON
fsr-3776	376	3	shughart	ORG
fsr-3776	376	4	w.f.	PERSON
fsr-3776	376	5	ii, & tolfison	ORG
fsr-3776	376	6	1989	DATE
fsr-3776	377	1	informa tion	PERSON
fsr-3776	378	1	ii	ORG
fsr-3776	378	2	423	CARDINAL
fsr-3776	379	1	jones	PERSON
fsr-3776	379	2	l.e.	GPE
fsr-3776	379	3	1988	DATE
fsr-3776	381	1	96	CARDINAL
fsr-3776	381	2	55	CARDINAL
fsr-3776	382	1	lancaster	GPE
fsr-3776	382	2	k.	PERSON
fsr-3776	382	3	1971	DATE
fsr-3776	384	1	new york	GPE
fsr-3776	384	2	columbia university press	ORG
fsr-3776	385	1	1989	DATE
fsr-3776	386	1	1988	DATE
fsr-3776	387	1	hartford	GPE
fsr-3776	388	1	mayers	PERSON
fsr-3776	388	2	d.	NORP
fsr-3776	388	3	c.w.	GPE
fsr-3776	388	4	jr.	PERSON
fsr-3776	388	5	1981	DATE
fsr-3776	390	1	54,407	CARDINAL
fsr-3776	391	1	miyazaki, h. (	ORG
fsr-3776	391	2	1977	DATE
fsr-3776	393	1	the bell journal of economics	ORG
fsr-3776	393	2	8	CARDINAL
fsr-3776	393	3	394	CARDINAL
fsr-3776	394	1	122	CARDINAL
fsr-3776	394	2	4(2	CARDINAL
fsr-3776	394	3	1995	DATE
fsr-3776	394	4	p.s.	GPE
fsr-3776	394	5	& pritchett	PERSON
fsr-3776	394	6	st.	GPE
fsr-3776	394	7	1983	DATE
fsr-3776	396	1	ofrisk	PRODUCT
fsr-3776	396	2	50,569-586	CARDINAL
fsr-3776	397	1	national association of insurance	ORG
fsr-3776	398	1	1989	DATE
fsr-3776	399	1	1988	DATE
fsr-3776	400	1	kansas city	GPE
fsr-3776	400	2	mo	GPE
fsr-3776	401	1	pritchett	PERSON
fsr-3776	401	2	s.t.	PERSON
fsr-3776	401	3	r.p.	ORG
fsr-3776	401	4	1986	DATE
fsr-3776	402	1	philadelphia	GPE
fsr-3776	402	2	s.s. huebner foundation of insurance education	ORG
fsr-3776	402	3	university of pennsylvania	ORG
fsr-3776	403	1	puelz	GPE
fsr-3776	403	2	r., & snow	ORG
fsr-3776	403	3	a.	PERSON
fsr-3776	403	4	1994	DATE
fsr-3776	405	1	102,236-257	CARDINAL
fsr-3776	406	1	rothschild	PERSON
fsr-3776	406	2	m., & stiglitz	ORG
fsr-3776	406	3	j. (	ORG
fsr-3776	406	4	1976	DATE
fsr-3776	408	1	quarrerly journal of economics	ORG
fsr-3776	408	2	90,629	CARDINAL
fsr-3776	409	1	c.w.	GPE
fsr-3776	409	2	jr.	PERSON
fsr-3776	409	3	1986	DATE
fsr-3776	411	1	53.693	CARDINAL
fsr-3776	411	2	7 17	DATE
fsr-3776	412	1	walden	GPE
fsr-3776	412	2	m.l.	GPE
fsr-3776	412	3	1985	DATE
fsr-3776	413	1	investiga tion	PERSON
fsr-3776	414	1	52,4&58	CARDINAL
fsr-3776	415	1	wilson	ORG
fsr-3776	415	2	c.	PERSON
fsr-3776	415	3	1977	DATE
fsr-3776	417	1	16	CARDINAL
fsr-3776	417	2	167	CARDINAL