The story of Tesco's abandonment of trading stamps and launching of Operation Checkout has been told perhaps more than enough over the past year. What is not so well‐known is the effect that rapidly boosted turnover had upon their distribution system. “We must recognise the fact,” says Ian...

Social insurance programs shield individuals from specific risks, but these programs are not necessarily independent of each other. The existence and scope of one program can potentially influence the use of others, especially when the risks covered by the programs are related. This study...