Spencer, Peter d. "The Structure and Regulation of Insurance Markets." The Structure and Regulation of Financial Markets. : Oxford University Press, 2000-10-12. Oxford Scholarship Online. 2011-10-03. Date Accessed 22 May. 2013 <http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780198776093.001.0001/acprof-9780198776093-chapter-3>.
Spencer, P.(2000-10-12). The Structure and Regulation of Insurance Markets. In The Structure and Regulation of Financial Markets. : Oxford University Press. Retrieved 22 May. 2013, from http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780198776093.001.0001/acprof-9780198776093-chapter-3.
Spencer, Peter d. "The Structure and Regulation of Insurance Markets." In The Structure and Regulation of Financial Markets. : Oxford University Press, 2000-10-12. http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780198776093.001.0001/acprof-9780198776093-chapter-3.
Spencer Pd. The Structure and Regulation of Insurance Markets. In: Spencer PD. The Structure and Regulation of Financial Markets. Oxford University Press; 2000. http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780198776093.001.0001/acprof-9780198776093-chapter-3. Accessed May 22, 2013.