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Merkin, R., & Steele, J. (2013-08-29). Characterizing Insurance. In Insurance and the Law of Obligations. : Oxford University Press. Retrieved 28 Feb. 2020, from https://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780199645749.001.0001/acprof-9780199645749-chapter-2.