00351 a2200109 4500001001000000005001700010008004100027245006400068100002000132773007200152999001700224ART_1182220260410161900.0260409a 10aProduct deferentiation and performance in insurance markets1 aSpence, Michael0 tJournal of public economicsg- Vol. 10, NÂș 3 (dic. 1978)wREV11485 c25868d25868