MAP20100100639 Ludkovski, Michael Ex Post moral hazard and bayesian learning in insurance / Michael Ludkovski and Virginia R. Young En: The Journal of risk and insurance. - Nueva York : The American Risk and Insurance Association, 1964- = ISSN 0022-4367. - 10/12/2010 Tomo 77 Número 4 - 2010 I. Young, Virginia R. .