@article{DavidCummins1996,
	title = {Capital and risk in property-liability insurance markets},
	author = {J. David Cummins and David W. Sommer},
	journal = {Journal of Banking \& Finance},
	month = {Jul},
	number = {6},
	pages = {1069--1092},
	url = {http://www.sciencedirect.com/science/article/B6VCY-3VW8P8B-6/1/7b644a718007dc2c369d09daeb5ecec5},
	volume = {20},
	year = {1996},
	biburl = {http://www.bibsonomy.org/bibtex/256c8bb2f7db0e4f60e98234534f756a3/smicha},
	description = {Journal of Banking & Finance},
	keywords = {Capital }
}