Taking Risks and Containing Competition: Diversification and Oligopoly in the Fire Insurance Markets of the North of England during the Early Nineteenth Century
研究了19世纪早期英格兰北部火灾保险市场中，保险公司如何通过产品多元化策略来遏制竞争并形成寡头垄断格局，对经济史和产业组织研究者有参考价值。
Robin Pearson, Taking Risks and Containing Competition: Diversification and Oligopoly in the Fire Insurance Markets of the North of England during the Early Nineteenth Century, The Economic History Review, New Series, Vol. 46, No. 1 (Feb., 1993), pp. 39-64