@misc{indiciae9d6e89c71118,
  title = {Insurance standards.},
  author = {J S Zaller},
  year = {1998},
  doi = {10.14219/jada.archive.1998.0402},
  url = {https://pubmed.ncbi.nlm.nih.gov/9766101/},
  note = {Source identifier: 9766101}
}