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What is meant with the citation "Harrington & Niehaus (2004)"? The book "Harrington, S. E. and Niehaus, G. R. (2004), Risk Management & Insurance, McGraw-Hill/Irwin, The McGraw-Hill Companies, Inc., New York, NY"? I do not have it at hand to check this (which might be slightly burdensome, as there is no page given in the citation). --77.87.228.67 (talk) 08:32, 25 November 2019 (UTC)[reply]