For those who don't like the format of this pdf and have a way to access academic resources, a better-formatted pdf is available there (pay-walled): https://ww

For those who don't like the format of this pdf and have a way to access academic resources, a better-formatted pdf is available there (pay-walled): https://www.sciencedirect.com/science/article/abs/pii/S1057740811000209 https://www.sciencedirect.com/science/article/abs/pii/S10577... From memory, 4. is "Buy Less Insurance", at least they suggest that most insurances we want are not worth it, is this what you meant?