http://www.eoht.info/
http://econpapers.repec.org/article/zbwifweej/
http://transversal.at/books/dividuum
http://media.swissre.com/documents/sigma1_2016_en.pdf?utm_medium=email&utm_source=sigma+Newsletter+March+2016&utm_campaign=sigma&0F4DBC&&& &