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Husted, T., & Nickerson, D.  (2019, October 30). Disaster Risk, Moral Hazard, and Public Policy. Oxford Research Encyclopedia of Natural Hazard Science. Retrieved 9 Dec. 2019, from https://oxfordre.com/naturalhazardscience/view/10.1093/acrefore/9780199389407.001.0001/acrefore-9780199389407-e-195.