@book{31651,
	author = {Dorfman, Mark S.,},
	title = {Introduction to risk management and insurance /},
	publisher = {PHI Learning },
	year = {2009},
	address = {New Delhi},
	edition = {9th ed},
	url = {http://www.loc.gov/catdir/toc/ecip0713/2007009301.html}
}