00318nam a2200109Ia 450000500170000008000180001710000220003524500870005726000310014430000150017558300180019020260716043809.0  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