@misc{indiciae47c97a3110e8,
  title = {Must adverse selection cause premium spirals?},
  author = {R Feldman and B Dowd},
  year = {1991},
  doi = {10.1016/0167-6296(91)90035-l},
  url = {https://pubmed.ncbi.nlm.nih.gov/10114571/},
  note = {Source identifier: 10114571}
}