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Gertler, Paul ; Gruber, Jonathan Insuring consumption against illness. 2002 Am. Econ. Rev.. 92 51-70
Kremer, Michael ; Miguel, Edward The illusion of sustainability. 2007 Q. J. Econ.. 122 1007-1065
Townsend, Robert M. Risk and insurance in village India. 1994 Econometrica. 62 539-591
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