Affiliation: | a School of Mathematical Sciences, University of Adelaide, SA 5005, Australia b Haskayne School of Business, University of Calgary, Calgary, Alberta, Canada T2N 1N4 c Department of Actuarial Studies, Faculty of Business and Economics, Macquarie University, Sydney, NSW 2109, Australia d Department of Mathematics and Statistics, University of Calgary, Calgary, Alberta, Canada T2N 1N4 |