| Institution: | Senior Lecturer and Visiting Professor of Insurance and Risk Management, respectively Department of Business Economics, Department of Business Economics, University of the Witwatersrand, Johannesburg. This paper has benefited from the helpful comments and suggestions of Professor VU.D. Reekie, Dr D.F. Leach and the participants in a seminar of the Business Economics Research Group at the University of the Witwatersrand, where this was first presented. All errors remain the responsibility of the authors. |
