00289nam a2200097Ia 4500080001800000100002200018245008700040260003100127300001500158583001800173  a11.02.03 C971  aCummins, J. David  aEfficiency, scale economics, and consolidation in the U.S. life insurance industry  b[The Author]a[S.l.]c1997  a[1], 37 p.  c5/14/07kJOYD