and Loss Reserving for Property and Casualty Insurance . ACTEX Publications. ^ Feldstein, Sylvan G.; Fabozzi, Frank J. (2008). The Handbook of Municipal Bonds . Wiley . p. 614. ISBN   978-0-470-10875-8 . http://books.google.com/?id=Juc4fb1Fx1cC&lpg=PA614&pg=PA614#v=onepage&f=false . Retrieved February 8, 2010 .   ^ http://www.abi.org.uk/About_The_ABI/role.aspx ^ Fitzpatrick, Sean, Fear is the Key: A Behavioral