@misc{BertolaKoeniger2013,
  author    = {Giuseppe Bertola and Winfried Koeniger},
  title     = {Hidden insurance in a moral hazard economy},
  booktitle = {Center for Financial Studies (Frankfurt am Main): CFS working paper series ; No. 2013,25},
  number    = {November 2013},
  institution = {Center for Financial Studies (CFS)},
  series    = {CFS working paper series},
  number    = {2013, 25},
  type      = {workingpaper},
  pages     = {33},
  year        = {2013},
}