?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.aulast=Guesnerie&rft.aufirst=Roger&rft.issue=4&rft.volume=33&rft.date=1989&rft.atitle=Adverse+Selection+and+Moral+Hazard+with+Risk-Neutral+Agents&rft.title=European+Economic+Review&rft.genre=article