@misc{indiciae0abec810aaaa,
  title = {Risk segmentation: goal or problem?},
  author = {R Feldman and B Dowd},
  year = {2000},
  doi = {10.1016/s0167-6296(00)00051-5},
  url = {https://pubmed.ncbi.nlm.nih.gov/11010237/},
  note = {Source identifier: 11010237}
}