PHELAN , C. Incentives, Insurance, and the Variability of Consumption and Leisure. Financial Services Review, [S. l.], v. 4, n. 1, p. 62, 1995. DOI: 10.1016/1057-0810(95)90022-5. Disponível em: https://openjournals.libs.uga.edu/fsr/article/view/3744. Acesso em: 3 jul. 2024.