Howard Kunreuther (National Bureau of Economic Research),Howard Kunreuther (Wharton School of the University of Pennsylvania),Erwann O. Michel-Kerjan (Wharton School of the University of Pennsylvania) 2007: Climate Change, Insurability of Large-Scale Disasters and the Emerging Liability Challenge. NBER Working Paper 12821, <http://www.nber.org/papers/w12821.pdf>