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CLARKE, M. (2005-06-30). Policyholders. In Policies and Perceptions of Insurance Law in the Twenty-First Century. : Oxford University Press. Retrieved 22 Jan. 2020, from https://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780199273300.001.0001/acprof-9780199273300-chapter-1.