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Submitted on: 05 March 2010.
Revised on: 06 April 2010.
Accepted on: 26 May 2010.
___________________JOURNAL OF RISK AND INSURANCE---WILEY
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Submitted on: 06 September 2012.
Revised on: 28 December 2012.
Accepted on: 21 January 2013.
___________________JOURNAL OF RISK AND INSURANCE---WILEY
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