@misc{indiciae3977b0eabc8c,
  title = {More on moral hazard.},
  author = {M Pauly},
  year = {1983},
  doi = {10.1016/0167-6296(83)90014-0},
  url = {https://pubmed.ncbi.nlm.nih.gov/10263963/},
  note = {Source identifier: 10263963}
}