NUM00000104011 The Journal of risk and insurance: Volumen 86 Número 4 - diciembre 2019 In Copyright (InC). InC - http://rightsstatements.org/vocab/InC/1.0/ En: The Journal of risk and insurance . - Nueva York : The American Risk and Insurance Association , 1964- = ISSN 0022-4367 1. Seguros . I. American Risk and Insurance Association .