Template-Type: ReDIF-Article 1.0 Author-Name: Richard Zeckhauser Author-Name: David M. Cutler Title: Extending the Theory to Meet the Practice of Insurance Journal: Brookings-Wharton Papers on Financial Services Pages: 1-53 Volume: 2004 Issue: 1 Year: 2004 DOI: 10.1353/pfs.2004.0002 Handle: RePEc:aoo:171556