1. Also, approximately 85 per cent of husband-wife families with children possess life insurance on at least one family member; see ACLI Fact Book 1999, 1. Additionally, in 2000 about 88 per cent of the adult population was covered by the Social Security system; see Statistical Abstract of the United States;U S;Census Burean,2001
2. Optimal Insurance and Generalized Deductibles;Kenneth J Arrow;Scandinavian Actuarial Journal,1974
3. Beccaria: 'On Crimes and Punishments' and Other Writings
4. Crime and Punishment: An Economic Approach;Gary S Becker;Journal of Political Economy,1968