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mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} </style> <![endif]--><!--[if gte mso 9]><xml> <o:shapedefaults v:ext="edit" spidmax="1026"/> </xml><![endif]--><!--[if gte mso 9]><xml> <o:shapelayout v:ext="edit"> <o:idmap v:ext="edit" data="1"/> </o:shapelayout></xml><![endif]--> </head> <body lang=EN-US link=blue vlink=purple style='tab-interval:.5in'> <div class=WordSection1> <table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse;border:none;mso-yfti-tbllook:1184;mso-padding-alt: 0in 5.4pt 0in 5.4pt;mso-border-insideh:none;mso-border-insidev:none'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>Authors, please upload your paper <a href="http://www.nber.org/confsubmit/backend/form?id=INSf11">here.</a><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>NATIONAL BUREAU OF ECONOMIC RESEARCH, INC.<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:3'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>Insurance Project Workshop</span></b><span style='mso-bidi-font-size:11.0pt;font-family: "Arial","sans-serif"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:6'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>Kenneth <span class=SpellE>Froot</span> and Howard <span class=SpellE>Kunreuther</span>, Organizers<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:7'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:8'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>September 17, 2011<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:9'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:10'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:11'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:12'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>Feldstein Conference Room  2nd Floor<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:13'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:14'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>1050 Massachusetts Avenue<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:15'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:16'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>Cambridge, Massachusetts<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:17'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:18;mso-yfti-lastrow:yes'> <td width=734 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal align=center style='text-align:center'><b><u><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>PROGRAM</span></u></b><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal align=center style='text-align:center'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> <table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse;border:none;mso-yfti-tbllook:1184;mso-padding-alt: 0in 5.4pt 0in 5.4pt;mso-border-insideh:none;mso-border-insidev:none'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width=734 colspan=2 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><b style='mso-bidi-font-weight: normal'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>Friday, September 16<o:p></o:p></span></b></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>6:30 pm<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Group Dinner<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:3'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span class=SpellE><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>Bambara</span></span><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'> Restaurant, Hotel Marlowe, 25 Edwin Land Boulevard<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>(across the street from the Royal <span class=SpellE>Sonesta</span> Hotel)<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:6'> <td width=734 colspan=2 valign=top style='width:7.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><b style='mso-bidi-font-weight: normal'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>Saturday, September 17<o:p></o:p></span></b></p> </td> </tr> <tr style='mso-yfti-irow:7'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:8'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>8:00 am<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Shuttle vans depart the Royal <span class=SpellE>Sonesta</span> Hotel<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:9'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:10'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>8:15 am<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Continental Breakfast<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:11'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:12'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>8:45 am<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Introductions<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:13'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:14'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>9:00 am<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span class=SpellE><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>Levon</span></span><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'> <span class=SpellE>Barseghyan</span>, Cornell University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:15'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Francesca Molinari, Cornell University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:16'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Edward <span class=SpellE>O'Donoghue</span>, Cornell University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:17'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Joshua <span class=SpellE>Teitelbaum</span>, Georgetown University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:18'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><i style='mso-bidi-font-style: normal'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></i></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><a href="http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1646520"><i><span style='text-decoration:none;text-underline:none'>The Nature of Risk Preferences: Evidence from Insurance Choices </span></i></a><i style='mso-bidi-font-style:normal'><o:p></o:p></i></span></p> </td> </tr> <tr style='mso-yfti-irow:19'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:20'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span>Greg <span class=SpellE>Nini</span>, University of Pennsylvania<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:21'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:22'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>9:50 am<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Steven <span class=SpellE>Shavell</span>, Harvard University and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:23'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><i style='mso-bidi-font-style: normal'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></i></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><a href="http://www.nber.org/confer/2011/INSf11/Shavell.pdf"><i><span style='text-decoration:none;text-underline:none'>A General Rationale for a Governmental Role in the Relief of Large Risks </span></i></a><i style='mso-bidi-font-style:normal'><o:p></o:p></i></span></p> </td> </tr> <tr style='mso-yfti-irow:24'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:25'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span>Kenneth <span class=SpellE>Froot</span>, Harvard University and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:26'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:27'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>10:40 am<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Break<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:28'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:29'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>10:55 am<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span class=SpellE><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>Erwann</span></span><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'> Michel-<span class=SpellE>Kerjan</span>, University of Pennsylvania<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:30'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Jacqueline <span class=SpellE>Volkman</span> Wise, Temple University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:31'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><i style='mso-bidi-font-style: normal'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></i></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><i style='mso-bidi-font-style: normal'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><a href="Michel-Kerjan_Volkman_Wise.pdf"><span style='text-decoration:none; text-underline:none'>The Risk of Ever-Growing Disaster Relief Expectations</span></a><o:p></o:p></span></i></p> </td> </tr> <tr style='mso-yfti-irow:32'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:33'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span>Dwight <span class=SpellE>Jaffee</span>, University of California at Berkeley<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:34'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:35'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>11:45 am<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif";color:black'>Daniel Bauer, Georgia State University </span><span style='mso-bidi-font-size:11.0pt;font-family: "Arial","sans-serif"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:36'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><i style='mso-bidi-font-style: normal'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></i></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>George <span class=SpellE>Zanjani</span>, Georgia State University<i style='mso-bidi-font-style:normal'><o:p></o:p></i></span></p> </td> </tr> <tr style='mso-yfti-irow:37'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><i style='mso-bidi-font-style: normal'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></i></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><i style='mso-bidi-font-style: normal'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><a href="http://www.nber.org/confer/2011/INSf11/Bauer_Zanjani.pdf"><span style='mso-bidi-font-style:italic;text-decoration:none;text-underline:none'>The Marginal Cost of Risk, Risk Measures, and Capital Allocation </span></a><o:p></o:p></span></i></p> </td> </tr> <tr style='mso-yfti-irow:38'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><i style='mso-bidi-font-style: normal'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></i></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'></td> </tr> <tr style='mso-yfti-irow:39'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Discussant: <span class=eudoraheader>Anastasia <span class=SpellE>Karasheva</span>, University of Pennsylvania</span><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:40'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:41'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>12:35 pm<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Lunch<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:42'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Lunch discussion of Universities Research Conference by Kenneth <span class=SpellE>Froot</span> and Howard <span class=SpellE>Kunreuther</span><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:43'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:44'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>1:35 pm<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Neil Doherty, University of Pennsylvania <o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:45'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Christian <span class=SpellE>Laux</span>, Vienna University of Economics and Business<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:46'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Alexander <span class=SpellE>Muermann</span>, Vienna University of Economics and Business<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:47'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><i style='mso-bidi-font-style: normal'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></i></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><a href="http://www.nber.org/confer/2011/INSf11/Doherty_Laux_Muermann.pdf"><i><span style='text-decoration:none;text-underline:none'>Insuring Non-<span class=SpellE>Veri</span>& able Losses and the Role of Intermediaries </span></i></a><i style='mso-bidi-font-style:normal'><o:p></o:p></i></span></p> </td> </tr> <tr style='mso-yfti-irow:48'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:49'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span>John Major, Guy Carpenter &amp; Company, Inc.<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:50'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:51'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>2:25 pm<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Break<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:52'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:53'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>2:40 pm<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span class=SpellE><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>Santosh</span></span><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'> <span class=SpellE>Anagol</span>, University of Pennsylvania<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:54'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Shawn A. Cole, Harvard University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:55'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span class=SpellE><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'>Shayak</span></span><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'> <span class=SpellE>Sarkar</span>, Harvard University<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:56'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><i style='mso-bidi-font-style: normal'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></i></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><i style='mso-bidi-font-style: normal'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><a href="anagol.pdf"><span style='text-decoration:none;text-underline:none'>Bad Advice: Explaining the Persistence of Whole Life Insurance</span></a><o:p></o:p></span></i></p> </td> </tr> <tr style='mso-yfti-irow:57'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:58'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span>Kathleen <span class=SpellE>McGarry</span>, University of California at Los Angeles and NBER<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:59'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:60'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>3:30 pm<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Alexander <span class=SpellE>Muermann</span>, Vienna University of Economics and Business<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:61'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Daniela <span class=SpellE>Straka</span>, Vienna University of Economics and Business<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:62'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><i style='mso-bidi-font-style: normal'><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></i></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><a href="http://www.nber.org/confer/2011/INSf11/Muermann.pdf"><i><span style='text-decoration:none;text-underline:none'>Asymmetric Information in Automobile Insurance: New Evidence from <span class=SpellE>Telematic</span> Data </span></i></a><i style='mso-bidi-font-style:normal'><o:p></o:p></i></span></p> </td> </tr> <tr style='mso-yfti-irow:63'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:64'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Discussant:<span style='mso-spacerun:yes'>  </span>Christopher Lewis, The Hartford Financial Services Group<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:65'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:66;mso-yfti-lastrow:yes'> <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>4:20 pm<o:p></o:p></span></p> </td> <td width=638 valign=top style='width:6.65in;padding:0in 5.4pt 0in 5.4pt'> <p class=MsoNormal style='tab-stops:.5in 1.0in'><span style='mso-bidi-font-size: 11.0pt;font-family:"Arial","sans-serif"'>Adjourn<o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><span style='mso-bidi-font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p>&nbsp;</o:p></span></p> </div> </body> </html>