@book{76687,
	author = {Harrington, Scott E. and Niehaus, Greg.},
	title = {Risk management and insurance /},
	publisher = {Irwin/McGraw-Hill,},
	year = {1999.},
	address = {Boston :},
	note = {Includes index.},
	url = {http://www.loc.gov/catdir/description/mh023/98036318.html}
}