correlation in their assets (health, wealth, wisdom, i.e. skills), causing them to demand a great deal of insurance coverage …. Insurers on the other hand eschew positively correlated risks. It can be shown that insurance contributes to a reduction of … insurance. Analyzing deviations from trend in aggregate insurance payments, one finds the following for the United States and …

lifetime tax reform linking annual taxes to previous employment could improve the system's insurance capabilities, albeit at …

How deep are the roots of Latin America's economic inequalities? In this chapter we survey both the history and the …