@book{102287,
	author = {Vaughan, Emmett J. and Vaughan, Therese M.},
	title = {Fundamentals of risk and insurance /},
	publisher = {Wiley,},
	year = {2014},
	address = {New Jersey :},
	edition = {11th},
	url = {http://catalogimages.wiley.com/images/db/jimages/9781118534007.jpg}
}