RT Journal Article SR 00 A1 Alger, Ingela A1 Ching-to-Albert, Ma T1 Moral hazard, insurance, and some collusion JF Journal of Economic Behavior and Organization YR 2003 FD 2003-02 VO 50 IS 2 SP 225 OP 247 LK https://publications.ut-capitole.fr/id/eprint/15519/ UL http://tse-fr.eu/pub/26844