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. Actuarial Science : Theory and Methodology. River Edge, NJ, USA: World Scientific, 2006. p 1 http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=1 Copyright © 2006. World Scientific. All rights Reserved. May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

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Page 1: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 1http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=1Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 2: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 2http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=2Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 3: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 3http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=3Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 4: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 4http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=4Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 5: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 5http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=5Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 6: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 6http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=6Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 7: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 7http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=7Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 8: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 8http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=8Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 9: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 9http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=9Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 10: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 10http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=10Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 11: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 11http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=11Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 12: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 12http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=12Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 13: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 13http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=13Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 14: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 14http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=14Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 15: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 15http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=15Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 16: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 16http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=16Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 17: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 17http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=17Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 18: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 18http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=18Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 19: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 19http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=19Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 20: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 20http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=20Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 21: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 21http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=21Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 22: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 22http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=22Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 23: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 23http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=23Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 24: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 24http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=24Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 25: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 25http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=25Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 26: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 26http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=26Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 27: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 27http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=27Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 28: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 28http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=28Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 29: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 29http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=29Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 30: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 30http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=30Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 31: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 31http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=31Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 32: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 32http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=32Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 33: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 33http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=33Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 34: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 34http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=34Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 35: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 35http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=35Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 36: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 36http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=36Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 37: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 37http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=37Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 38: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 38http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=38Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 39: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 39http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=39Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 40: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 40http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=40Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 41: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 41http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=41Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 42: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 42http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=42Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 43: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 43http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=43Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 44: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 44http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=44Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 45: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 45http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=45Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 46: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 46http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=46Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 47: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 47http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=47Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 48: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 48http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=48Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 49: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 49http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=49Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 50: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 50http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=50Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 51: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 51http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=51Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 52: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 52http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=52Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 53: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 53http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=53Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 54: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 54http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=54Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 55: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 55http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=55Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 56: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 56http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=56Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 57: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 57http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=57Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 58: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 58http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=58Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

Page 59: Actuarial Science Theory and Methodology 1 to 60

. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 59http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=59Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.

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. Actuarial Science : Theory and Methodology.River Edge, NJ, USA: World Scientific, 2006. p 60http://site.ebrary.com/lib/uchicago/Doc?id=10201275&ppg=60Copyright © 2006. World Scientific. All rights Reserved.May not be reproduced in any form without permission from the publisher, except fair uses permitted under U.S. or applicable copyright law.