It can be argued that just as there are different kinds of literacy, there are different kinds of illiteracy. A "proximate illiterate," i.e. an illiterate who has easy access to a literate person, is clearly better off than someone without such access. The existing literature that takes account...

Insurance products are distributed both by independent and dependent agents, although the use of independent agents is more costly. The product quality hypothesis states that independent agents provide both insurers and customers with higher service quality and therefore, remain on the market....