http://reply.papertrans.cn/2/192/19159/19159-31.png
http://reply.papertrans.cn/2/192/19159/19159-32.png
Submitted on: 04 March 2000.
Revised on: 16 May 2000.
Accepted on: 22 June 2000.
___________________JOURNAL OF RISK AND INSURANCE---WILEY
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http://reply.papertrans.cn/2/192/19159/19159-35.png
Submitted on: 18 September 2014.
Revised on: 02 November 2014.
Accepted on: 13 November 2014.
___________________JOURNAL OF RISK AND INSURANCE---WILEY