00293pab a2200121 454500008004000000100002000040245003600060260000900096300001300105362000800118650001400126773003100140180718b2001   xxu||||| |||| 00| 0 eng d  aFrame, David E.  aInsurance and community welfare  c2001  ap.267-84  aMar  aInsurance  aJournal of Urban Economics