@misc{indiciae8fa174c3f039,
  title = {On insurance programs.},
  author = {H Sarner},
  year = {1970},
  doi = {10.14219/jada.archive.1970.0310},
  url = {https://pubmed.ncbi.nlm.nih.gov/5270476/},
  note = {Source identifier: 5270476}
}