1. Professor, Dept. of Civil and Environmental Engineering, Institute for Catastrophic Loss Reduction, Western Univ., London, ON, Canada N6A 5B9 (corresponding author).
2. Dept. of Civil and Environmental Engineering, Western Univ., London, ON, Canada N6A 5B9.
3. Institute for Catastrophic Loss Reduction, 210-20 Richmond St. E., Toronto, ON, Canada M5C 2R9.