1. Aebi, M.F., Aubusson de Cavarlay, B., Barclay, G., Gruszczyńska, B., Harrendorf, S., Heiskanen, M., Hysi, V., Jaquier, V., Jehle, J.-M., Killias, M., Shostko, O., Smit, P. and þórisdóttir, R. (2010) ‘European sourcebook of crime and criminal justice statistics—2010 (4th edn), from www.europeansourcebook.org/ob285_full.pdf , accessed 7 November 2012.
2. Arrow, K.J. (1971) Essays in the Theory of Risk-Bearing, Chicago, IL: Markham Publishing Company.
3. Babbel, D.F. (1981) ‘Inflation, indexation, and life insurance sales in Brazil’, Journal of Risk and Insurance 48 (1): 111–135.
4. Babbel, D.F. (1985) ‘The price elasticity of demand for whole life insurance’, Journal of Finance 40 (1): 225–239.
5. Barro, R.J. and Lee, J. (2013) ‘A new data set of educational attainment in the world, 1950–2010’, Journal of Development Economics 104 (1): 184–198.