Howard Kunreuther
Department of Operations and Information Management
The Wharton School
University of Pennsylvania
Philadelphia, PA 19104-6366
Fax: 215-573-2130
E-Mail: kunreuther@wharton.UPENN.EDU Work: 215/898-4589 9/55 - 6/59 Bates College, A.B.
(Major: Economics) Magna Cum Laude 9/59 - 6/63 September
1959 - June 1963 M.
I. T., Ph.D. in Economics (1965) EXPERIENCE: Current Cecelia Yen Koo Professor of Decision Sciences and
Public Policy Co-Director
of the Wharton Risk Management and Decision Processes Center Current National
Bureau of Economic Research (Research Associate) Senior Fellow,
Wharton Financial Institutions Center, University of Pennsylvania 7/99 - present Acting Chairman, Operations and
Information Management Department 9/88 - 8/89 Program Manager, Decision
Risk and Management Science Program,
National Science Foundation 7/80 - 6/82 Task Leader of Risk Group,
International Institute for Applied Systems Analysis 7/77 - 6/80 Chairman of Decision Sciences
Department 7/72 - 6/75 Associate Professor of
Decision Sciences, University of Pennsylvania 8/70 - 6/71 Research Advisor at Pakistan
Institute of Development Economics
under Ford Foundation-Yale University Pakistan Project 10/66 - 6/72 Assistant Professor, Graduate
School of Business, University of Chicago 10/64 - 9/66 Economist of the Institute for
Defense Analyses (Economics and Political Studies Division), Arlington,
Virginia 1963 - 1964 Fulbright Scholar at
Econometric Institute, Netherlands School of Economics PRIVATE AND PUBLIC SECTOR RELATED ACTIVITIES 1999 present Delaware
Valley Child Care Council (Board Member) 1999- present Public
Entity Risk Institute (Board Member) 1999-present Multi-Hazard Mitigation
Council (Board Member) 1994-2000 National Academy of Science's Board on Natural
Disasters. 1994-1996 Advisory
Panel for the Office of Technology Assessment on Federal Efforts to
Reduce Earthquake Damage. 1996-1998 Participant in National Science
Foundation Mentoring Program on Natural Hazards 1993-1998 Member of Building Seismic Safety Committee,
National Research Council. 1991 IIASA Review Panel, National Science
Foundation, November 1991 1990 - 1991 Policy Steering Committee for
the CSIS Catastrophic Earthquake Project 1990 "Issues
Related to Earthquake Insurance and Earthquake Hazard Mitigation,"
testimony to US House of Representatives (Subcommittee on Policy Research and
Insurance of Committee on Banking, Finance, and Urban Affairs), September 12. 1990 "Issues
Relating to Insurer Liability for Cleaning-Up Hazardous Waste Sites,"
testimony to US House of Representatives (Subcommittee on Policy Research and
Insurance of Committee on Banking,
Finance, and Urban Affairs), September 27. 1989 - 1990 Consultant to WGBH/NOVA
Television Special, "Living Against the Odds." 1989 Member of National Academy Advisory Group
on Earthquake Economic Issues 1989 - 1991 Member of National Academy Water
Sciences and Technology Board 1988 - 1989 Director, Decision Risk and
Management Science Program, National Science Foundation 1986 - 1988 Panel Member, Decision Risk and
Management Science Program, National Science Foundation 1983 - 1984 Member of National Association
of Insurance Commissioner Task Force on Nuclear Risks 1979 National Science Foundation Flood Hazard
Mitigation Study 1979 National Bureau of Standards Building
Research and Technology Review Panel, 1979 - 1982. Testified
before US Subcommittee on Science and Technology, February 1980. 1976 - 1978 Panel Member of National
Academy of Sciences -- National Research Council Panel
on "Socioeconomic Effects of Earthquake Prediction." 1972 - 1976 Consultant to Federal Disaster
Assistance Administration. 1975 Consultant to UNESCO panel on "Man
and the Biosphere." 1974 - 1975 Consultant
to National Academy of Sciences -- National Research Council Panel on Public Policy on Earthquake Prediction." 1972 - 1973 Consultant to the Office of
Emergency Preparedness, Office of Management and Budget,
Disaster Study Task Force for the President. FELLOWSHIPS AND GRANTS RECEIVED 1/97-Present Managing Catastrophic Risks
(joint with Financial
Institutions Center) 2/98-1/00 National Science
Foundation, Role of Insurance and Other Policy Instruments in Managing
Catastrophic Risks, 6/97-5/98 University
of Washington/National Science Foundation, Collaborative Study of Analogs to
Earthquake Mitigation 3/96-6/96 National Science Foundation Cost-Benefit
Analysis Workshop Co-Principal Investigator. 3/96-9/96 U.S.
Environmental Protection Agency, Chemical Accident Investigation and the
OECDs Risk Assessment Terminology Project, a joint project undertaken by the
Wharton Risk Management and Decision Processes Center. 10/94 3/98 National
Science Foundation grant on "The Role of Insurance and Regulations in Dealing with
Natural Hazards,"Principal
Investigator 10/93 present EPA
cooperative agreement on "Implementing the Clean Air Act," with other
faculty associated with the Wharton Risk Management and Decision Processes
Center. 10/87-present "Socioeconomic Impacts of
Siting High Level Radioactive Waste Repository,"
State of Nevada. 4/94-8/94 "Past Siting Experiences with Waste Storage
Facilities," Office of the Nuclear Waste Negotiator. 1/91 - 1/94 William
and Flora Hewlett Foundation Grant on "Linking Descriptive Analysis with
Policy Analysis for Dealing with Environmental Problems," principal
investigator. 9/88 - 9/91 National
Science Foundation Grant on "The Role of Insurance, Compensation,
Regulation, and Protective Behavior in Decision making About Risk and
Misfortune," co-principal investigator. 1/87 - 1/89 National
Science Foundation Grant on "Low Bid Auctions with Benefit-Sharing for
Noxious Facility Siting, co-principal investigator. 1/84 - 1/85 National Science Foundation
Grant on "The Role of Compensation and Negotiation in Siting Hazardous
Waste Facilities," co-principal investigator. 11/82 - 12/83 National Science Foundation Grant
on "Misinformation and Decision Processes in Insurance Markets,"
co-principal investigator. 9/76 - 9/77 National Science Foundation
Grant on "Mitigation and Recovery from Natural Hazards,"
co-principal investigator. 7/73 - 7/76 National Science Foundation
Grant on "Reducing Losses from Selected Natural Hazards,
Role of Public and Private Sectors," co-principal investigator. 1972 Ford Foundation Summer Study Award to
study "Decision-Making by Firms in Developing Countries." 1963 - 1964 Fulbright Scholar, Econometric
Institute, Netherlands HONORARY AND PROFESSIONAL SOCIETIES Society for Risk Analysis:
Elected Fellow 1992; Outstanding Service Award, 1990;Treasurer, 1983-85 Phi Beta Kappa American Economic Association The Institute of Management
Sciences --Associate Editor, 1974 - 1980;Council Member, 1989-1991 Risk Analysis, Associate Editor, 1984 -Present Risk Abstracts, Board of Editors, 1984-Present Journal of Risk and Uncertainty, Associate Editor, 1987 -Present Journal of Regulatory Economics, Associate Editor, 1988 -1998 Mass Emergencies, Associate Editor, 1977 - 1981 TEACHING AWARDS 1980 Western Electric Fund Award, with Paul Schoemaker and
Paul Kleindorfer, for the program "Decision Sciences Applied to University
Problems." The award is given
annually for outstanding achievements in the area of educational innovation in
undergraduate education for business administration. 1983 Wharton
Graduate Teaching Excellence Award. PUBLICATIONS Books and Monographs Paying the Price: The
Status and Role of Insurance Against Natural Disasters in the United States, with Roth, Richard, Sr. ed.
(1998), Washington, D.C: Joseph Henry Press. Managing Environmental Risk
Through Insurance, with Paul K. Freeman Washington,
DC: American Enterprise Institute and
Boston Kluwer Academic Publishers , 1997. Challenges in Risk Assessment
and Management, edited with Paul Slovic, Annals of American Academy of
Political and Social Science, May 1996. Energy, Environment and the Economy:
Asian Perspectives, with
Paul R. Kleindorfer and David S. Hong (eds.)
Edward Elgar Publishing Limited, 1996. The Dilemma of Siting a
High-Level Radioactive Waste Repository, with Doug Easterling, Boston
Kluwer (1995). Decision Sciences, An
Integrated Perspective, with Paul Kleindorfer and Paul Schoemaker,
Cambridge University Press, 1993. Edited special issue of Journal
of Risk and Uncertainty with Colin Camerer on "Making Decisions about
the Liability in Insurance," December 1993. International Trade in
Insurance, with Mark Pauly. Irwin
Publishers, 1990. Integrating Insurance and Risk
Management Strategies for Hazardous Wastes, with Rajeev Gowda (eds.). Kluwer Publishers, 1990. Insuring and Managing
Hazardous Risks: From Seveso to Bhopal
and Beyond, with Paul Kleindorfer (eds.).
Berlin: Springer-Verlag, 1987. Risk Analysis and Decision
Processes: The Siting of LEG Facilities
in Four Countries, with J. Linnerooth, J. Lathrop, H. Atz, C. Mandl, S.
MacGill, M. Schwartz, M. Thompson.
Berlin: Springer-Verlag, 1983. Risk: A Seminar Series, H. Kunreuther
(ed.). IIASA, 1982. The Risk Analysis Controversy,
with E. Lay (ed.). Berlin: Springer-Verlag, 1982. Disaster Insurance
Protection: Public Policy Lessons,
with R. Ginsberg, L. Miller, P. Sagi, P. Slovic, B. Borkan, and N. Katz. Wiley Interscience, 1978. An Interactive Modelling
System for Disaster Policy Analysis, with Lepore, Miller, Vinso, Wilson,
Borkan, Duffy, and Katz. Boulder: Institute for Behavioral Science, 1978. Recovery from Natural
Disasters: Insurance or Federal Aid? Washington:
American Enterprise Institute for Public Policy Research, 1973. The Economics of Natural
Disasters: Implications for Federal
Policy, with D. Dacy. New
York: The Free Press, MacMillan,
1969. This book won the 1971 Elizur
Wright Award for the publication that made "the most significant
contribution to the literature of insurance." Published Papers The Affection Effect in
Insurance Decisions, with Christopher K. Hsee Journal of Risk and Uncertainty (in press) Determinants of Priority for Risk Reduction: The Role of Worry, (with
Jonathan Baron and John Hershey) Risk Analysis (forthcoming) Coping
with Stigma: Challenges and Opportunities,
(with Paul Slovic) Risk (Summer 1999). This paper is reprinted
in Risk, Media, and Stigma (London:
Earthscan) ( in press) Incentives for Mitigation Investment and More Effective
Risk Management: The Need for
Public-Private Partnerships Journal
of Hazardous Material (in press) Risk Management in an
Era Of Global Environmental Change in Encyclopedia for Earth and
Environmental Science New York:
Wiley (in press) Public Policy (with
Patricia Grossi) Chapter in Financial
Decisions and Catastrophe Risk Berkeley, CA: Earthquake Engineering
Research Institute The Use of Insurance and Other
Policy Instruments in Managing Catastrophic Risk (with Patricia Grossi, Weimin Dong, Paul Kleindorfer, Scott
Lawson) in Proceedings of 12th World Conference on Earthquake
Engineering Auckland, New
Zealand 2000. The Financial Management of Catastrophic Flood Risks in Emerging Economy
Countries, with Joanne Linnerooth-Bayer Risk
Analysis (forthcoming) Third Party Inspections as an
Alternative to Command and Control Regulation, with Patrick McNulty and Yong
Kang to be published in (Eric Orts ed) Environmental Contracts and Regulatory
Innovation: Comparative Approaches in Europe and the United States (forthcoming) Customizing Indemnity
Contracts and Indexed Cat Bonds (with
David Croson) Journal of Risk
Finance (forthcoming) "Insurance as a Cornerstone for Public-Private Sector
Partnerships", Natural Hazards Review (forthcoming) The Need for Public-Private Partnerships in Reducing Losses
from Natural Disasters Building Standards March-April 2000 Linking Insurance and Mitigation to Manage Natural Disaster
Risk, Handbook of Insurance, Georges Dionne
(ed), Kluwer Academic Publishers, Boston, 2000. A Cat Bond Premium Puzzle? (with Vivek
Bantwal) Journal
of Psychology and Financial Markets 2000, Vol. 1, No. 1 "The Complimentary
Roles of Mitigation and Insurance In Managing Catastrophic Risks, " with Paul Kleindorfer, Risk Analysis Vol 19.
No. 4 (1999) "Challenges Facing
the Insurance Industry in Managing
Catastrophic Risks with Paul Kleindorfer, in Kenneth Froot (ed.), The Financing of Property/Casualty Risks,
(Chicago: University of Chicago Press) (1999). The Role of Insurance in Dealing with
Catastrophic Risks from Natural Disasters, Alternative
Approaches to Insurance Regulation, (1998). Policy Design
for Earthquake Hazard Mitigation:
lessons from Energy Conservation, Radon Reduction and
Termite Control, with Peter J. May and Raymond J. Burby, Earthquake Spectra, Vol. 14, No. 4,
November 1998. "Guaranteed Renewability with Group
Insurance," with Mark Pauly and Andreas Nickel Journal of Risk and
Uncertainty, 16:211-221, 1998. Time
Insensitivity for Protective Investments,
with Ayse Onculer and Paul Slovic, Journal
of Risk and Uncertainty, 16:279-299
(1998). Utilizing
Third Party Inspections for Preventing Major Chemical Accidents, with Jweeping
Er and Isadore
Rosenthal, Risk Analysis April, 1998. "Managing
Catastrophic Risks Through Insurance and Mitigation", in Proceedings of the 5th Alexander
Howden Conference on "Financial Risk Management for Natural Catastrophes
Gold Coast, Australia, August 24-26,
1997. Overcoming Tunnel Vision: Redirecting the U.S. High-Level Nuclear
Waste Program, with James Flynn, Roger Kasperson and Paul Slovic, Enviornment, April 1997, Volume 39,
Number 3. Retroactive Liability or the Public Purse?
with James Boyd, Journal of Regulatory
Economics, 11:79-90 (1997). "A
Dynamic Model of Organizational Decision Making Chemco Revisited Six Years
After Bhopal," with Edward Bowman, Organization
Science, Vol. 8, No. 4, July-August 1997. Verbesserung
von Allokationsentscheidungen bei geringem Informationsstand am Beispiel von
Managed-Care, with Andreas Nickel, Allokation
der Ressourcen bei Sicherheit und Unsicherheit, Nomos Verlagsgesellschaft
Baden-Baden (1997). Insurance
Solutions for Environmental Risk, with Paul Freeman, Engineering News-Record, June 2, 1996. Protecting the Environment: Finding the Balance Between Delaney and Free
Play, with Geoffrey Hazard, Jr., Journal
of International Economic Law, Summer 1997, Volume 18, Number 2. Rethinking Societys Management of
Catastrophic Risks, The Geneva
Papers on Risk and Insurance, (No. 83, April, 1997) 151-176. Retroactive Liability or the Public Purse? with James
Boyd, Journal of Regulatory Economics,
11:79-90 (1997). "The Role of Compensation in
Siting Hazardous Facilities," with
Doug Easterling, Journal of Policy
Analysis and Management (September
1996) "Organizational Choice Under
Ambiguity: Decision Making in the Chemical Industry Following Bhopal,
with Jacqueline Meszaros, Zur Shapira (ed.) Organizational
Decision Making (Cambridge University Press, 1996). The Role of Insurance and
Well-Specified Standards in Dealing with Environmental Risks, with Paul Freeman, Managerial and Decision
Economics Vol. 17, 517-530, (1996). Voluntary Procedures for Siting Noxious Facilities: Lotteries, Auctions and Benefit-Sharing," Critical Cases in Hazardous Waste Facility
Siting: Seeds of Success
and Roots of Failure, Munton-Castle
(1996). The Insurability of Risks,
with Paul K. Freeman, Vlasta Molak (ed.) Fundamentals
of Risk Analysis and Risk Management, Lewis Publishers, 1996. Parents Decisions to Forego
Pertussis Vaccination for their
Children: Nonfinancial Barriers to Access, with Jacqueline R. Meszaros, David A. Asch, Jonathan Baron,
John C. Hershey, and Joanne Schwartz-Buzaglo, Journal of Clinical Epidemiology,
49, 697-703, 1996. Risk Perception and Trust: Challenges for Facility Siting, with Paul
Slovic, Donald MacGregor Risk Risk
Health, Safety and Enviornment,
Volume 7, No. 2, Spring 1996. Science, Values, and Risk, with Paul
Slovic, Challenges in Risk Assessment and Risk Management, Ed. by Howard
Kunreuther and Paul Slovic, Special Issue
of The Annals of the American Academy
of Political and Social Science, May 1996. Mitigating Disaster Losses Through
Insurance, Journal of Risk and Uncertainty, May, 1996. Environment,
Regimentation et Assurance, with Paul Freeman, Risqué, Juillet, September 1995. "Short-run and long-run
policies for increasing bicycle transportation for daily commuter trips,"
with Robert B. Noland, Transportation
Policy, Vol.2, No1, pp. 67 - 79,
1995. Guaranteed Renewability in
Insurance, with Mark Pauly and Richard Hirth, Journal of Risk and Uncertainty, (March 1995). "Safety First and
Ambiguity" with Lawrence Berger, Journal of Actuarial Practice, (1995). "Ambiguity and Underwriter
Decision Processes" with Meszaros, Hogarth and Spranca, Journal of Economic Behavior and
Organization , 1995. "Decision Making
Under-Ignorance: Arguing with
Yourself," with R. Hogarth, Journal
of Risk and Uncertainty, 1995. How the
Scope and Method of Public Funding Affect Willingness to pay for Public Goods,
with Donald Philip Green and Daniel Kahneman, Public Opinion Quarterly, Volume
58:49-57, 1994. "Protection Against Low
Probability, High Consequence Events," Sistema
Terra, July, 1994. The Role of the National Flood
Insurance Program in Reducing Losses and Promoting Wise Use of Floodplanning,
(with Gilbert White) Water Resources
Update, Spring 1994. "The Role of Insurance in
Dealing with Hazard Problems," in World Conference on Natural Disasters
Reduction, Yokahamo, Japan, May 1994. "Siting of Hazardous
Facilities," with Paul Kleindorfer, in Handbook of Operations Research,
1994. "The Role of Insurance and
Mitigation in Reducing Disaster Losses,"John Liner Review, January 1994. "Reducing the Risk: Is Insurance doing all it should?" in (Britton, N. and Henry, J. Catastrophe Insurance for Tomorrow: Planning for Future Adversitics,
(Brishae, Australia: Sterling Offices 1993). "Insurer Ambiguity and
Market Failure," with Hogarth and Meszaros, Journal of Risk and Uncertainty, December 1993. "Framing Probability
Distortions and Decisions," with Johnson, Hershey and Meszaros, Journal of Risk and Uncertainty,
December 1993. "Earthquake Insurance as a
Hazard Reduction Strategy: The Case of a Homeowner," in USGS Monograph on Socioeconomic Impacts of
Earthquakes, 1993. "The Vulnerability of the
Convention Industry to the Siting of a High Level Nuclear Waste
Repository," with Douglas Easterling.
Public Opinion and Nuclear Waste,
Riley Dunlap and Eugene Rosa (eds.) Duke University Press, 1993. "Public Opinion, Perceived
Risk and Nuclear Wastes: National and
Nevada Perspectives," with William Desvousges and Paul Slovic. Public
Opinion and Nuclear Waste, Riley Dunlap and Eugene Rosa (eds.) Duke
University Press, 1993. "Siting Noxious Facilities:
A Test of the Facility Siting Credo," with Kevin Fitzgerald and Thomas
Aarts, Risk Analysis, Vol 13 (3),
1993. "Attitudes Toward Managing
Hazardous Waste: What Should be Cleaned Up and Who Should Pay for It?"
with Jonathan Baron and Rajeev Gowda, Risk
Analysis, April 1993. "How Should Society Deal
with the Earthquake Problem?" with Neil Doherty and Anne Kleffner, Regulation Magazine, Spring 1992. "Should Earthquake Mitigation
Measures Be Voluntary or Required?" with Anne Kleffner, Journal of Regulatory Economics, Vol. 4,
1992. "A Conceptual Framework for
Managing Low Probability Events," in Social
Theories of Risk, Sheldon Krimsky and Dominic Golding (eds.). New York:
Praeger, 1992. "Time to Rethink Nuclear
Waste Storage," with James Flynn, Roger Kasperson and Paul Slovic, Issues
in Science and Technology, Vol VIII (4), 1992. "Pricing Insurance and
Warranties: Ambiguity and Correlated Risks," with Robin Hogarth, The Geneva Papers on Risk and Insurance
Theory, July 1992. "Decision making under
ignorance: Arguing with yourself," with Robin Hogarth, Decision-Making and Leadership, Frank
Heller (ed.). Cambridge University
Press, 1992. "Gaining Acceptance for
Noxious Facilities with Economic Incentives," with Douglas Easterling, The Social Response to Environmental
Risk: Policy Formulation in an Age of
Uncertainty, D.W. Bromley and K. Segerson (eds.), Boston: Kluwer
Publishers, 1992. "How Does Ambiguity Affect
Insurance Decisions?" with Robin Hogarth, in Georges Dionne (ed.) Contributions to Insurance Economics,
Boston: Kluwer, 1992. "Wheel of Fortune: A
Lottery/Auction Mechanism for Siting of Noxious Facilities," with Paul
Portney, Journal of Energy Engineering,
December 1991. "Incentives Policies to Site
Hazardous Waste Facilities," with Robin Gregory, Douglas Easterling, Ken
Richards, Risk Analysis, Vol 11 (4), 1991. "The Impact of a
Catastrophic Earthquake on Insurance Markets," with Neil Doherty and Anne
Kleffner report prepared for the Federal Emergency Management Agency (FEMA),
September 1991. "Insurance Perspectives on
an Integrated Hazardous Waste Management Strategy," with Neil Doherty and
Paul Kleindorfer. Paper presented at
conference on "Risk Assessment and Risk Management Strategies for
Hazardous Waste Storage and Disposal Problems," The Geneva Papers, Summer
1991. "Ambiguity and Government
Risk-Bearing for Low Probability Events."
Proceedings of Conference on Government Risk-Bearing, Federal Reserve
Bank of Cleveland, May 1991. "Compensation Schemes for
Negative Externalities: A Field Experiment," with David Brookshire and Don
Coursey, Research in Experimental
Economics, Greenwich: Jai Press, Vol 4, 1991. "Managing the Risks of
Hazardous Waste," with Ruth Patrick, Environment,
April 1991. "Managing Hazardous Wastes -
Past, Present, and Future. Special
Issue of Risk Analysis."
Proceedings of Conference on Minimizing
Environmental Damage: Strategies for Managing Hazardous Waste, March 1991. "Public Attitudes Toward
Siting a High Level Nuclear Waste Repository in Nevada," with Douglas
Easterling, William Desvousges and Paul Slovic, Risk Analysis, December 1990. "Are Risk-Benefit Tradeoffs
Possible in Siting Hazardous Facilities?" with Douglas Easterling, American Economic Review: Papers and
Proceedings, May 1990. "Successful Siting
Incentives," with Robin Gregory, Civil
Engineering, April 1990. "Experimental Markets for
Insurance," with Colin Camerer, Journal
of Risk and Uncertainty, 1989 "The Role of Actuaries and
Underwriters in Insuring Risks: The Case of Environmental Pollution Liability
Coverage," Risk Analysis,
September 1989. "Decision Processes for Low
Probability Events: Policy Implications," with Colin Camerer, Journal of Policy Analysis and Management,
September 1989. "Risk, Ambiguity, and
Insurance," with Robin Hogarth, Journal
of Risk and Uncertainty, April 1989. "A Dynamic Model of the
Transmission of Price Information in Auto Insurance Markets," with Paul
Kleindorfer and Larry Berger, Journal of
Risk and Insurance, March 1989. "Ex Ante and Ex Post
Valuation Problems: Economic and Psychological Considerations, Amenity Resource
Valuation: Integrating Economics with Other Disciplines," with Paul
Kleindorfer, Amenity Resource
Valuation: Integrating Economics with
Other Disciplines, 1988. "Risk Management Tools for
Bridging the Expert/Layperson Gap," with Rudy Yaksick, Industrial Crisis Quarterly, 2, 1988. "Nevada's Predicament:
Public Perceptions of Risk from the Proposed Nuclear Waste Repository,"
with William Desvousges and Paul Slovic, Environment,
October 1988. "Post-Bhopal Behavior at a
Chemical Company," with Edward Bowman, Journal
of Management Studies, July 1988. "A Compensation Mechanism
for Siting Noxious Facilities: Theory and Experimental Design," with Paul
Kleindorfer, Peter Knez and Rudy Yaksick, Journal
of Environmental Economics and Management,
December 1987. "Problems and Issues of
Environmental Liability Insurance," The
Geneva Papers on Risk and Insurance, July 1987. "Gridlock in Environmental
Insurance," Environment,
January-February 1987. "Failure of Environmental
Pollution Insurance: Proposed Solutions
and Research needs," Environment,
January-February 1987. "Benefits Assessment for
Regulatory Problems" with Lisa Bendixen, Benefits Assessment: The State of the Art, J.D. Bentkover et. al.
(eds.), D. Reidel Publishers, 1986. "Behavioral Insights for
Public Policy: Ex-Ante/Ex-Post
Considerations," Handbook of
Behavioral Economics: Behavioral
Macroeconomics, 1986. "Market Behavior with Inside
Information," with Mark Pauly, Journal
of Public Economics, 1986. "Comments on Plott and on
Kahneman, Knetsh and Thaler," The
Journal of Business, October 1986. "A Sealed Bid Auction
Mechanism for Siting Noxious Facilities" with Paul Kleindorfer American
Economic Review, May 1986. "A Behavioral Model of the
Adoption of Protective Activities," with W. Sanderson and R. Vetschera, Journal of Economic Behavior and
Organization, March 1985. "Public Protection Against
Misperceived Risks: Insights from
Positive Political Economy," with Mark Pauly and J. Vaupel, Public Choice, 1984. "Health Insurance under
Competition: Will People Choose What is
Expected?" with jack Hershey, S. Schwartz and S. Williams, Inquiry, 1984. "Natural and Technical
Hazards: Similarities and
Differences," Proceedings for
NATO Advanced Study Institute Program for Technology Assessment, Environmental Impact Assessment and Risk
Analysis, 1983. "Decision Making in Hazard
Resource Management," with Paul Slovic, Geography Resources and Environment, Vol II, Robert W. Kates and
Ian Burton (eds.), University of Chicago Press, pp. 153-158, 1986. "The Decision-Process
Perspective on Risk Analysis," with J. Linnerooth and J. Vaupel, Management Science, April 1984. "Low Probability
Accidents," with J. Linnerooth, Risk
Analysis, June 1984. "Causes of Underinsurance
Against Natural Disasters," Geneva
Papers on Risk and Insurance, April 1984. "Equilibrium in Insurance
Markets with Experience Rating," Chapter 5, Economic Analysis of Regulated Markets, with Mark Paul, J.
Finsinger (ed.), 1983. "Misinformation and
Equilibrium in Insurance Markets," Chapter 4, Economic Analysis of Regulated Markets, with Paul Kleindorfer, J.
Finsinger (ed.), 1983. "Insuring Against Country
Risks: Descriptive and Prescriptive
Aspects," Managing International
Risk, R. Herring (ed.). Cambridge
University Press, 1983. "Insurance Regulation and
Consumer Behavior in the United States:
The Property and Liability Industry," Journal of Institutional and Theoretical Economics, with Paul
kleindorfer and Mark Pauly, 1983. "Societal Decision making
for Low Probability Events." Panel
discussion at ORSA/TIMS Meeting in Chicago, 1983. "Interactive Computer
Modeling for Policy Analysis: The Flood
Hazard Problem." Paper prepared
for special issue, Water Resources
Research, with L. Miller, 1983. "A Multi-Attribute
Multi-Party Model of Choice:
Descriptive and Prescriptive Considerations," Analyzing and Aiding Decision Processes, P. Humphreys and A. Vari
(eds.). Amsterdam: North Holland, 1983. "Sources of Bias in
Assessment Procedures for Utility Functions," Management Science, with Jack Hershey and Paul Schoemaker, 1982. "A Descriptive Model of
Choice for Siting Facilities," Behavioral
Science, with J. Lathrop and J. Linnerooth, 1982. "Societal Decision making
for Low Probability Events: Descriptive
and Prescriptive Aspects," Liquified
Energy Gas Facility Siting, H. Kunreuther, J. Linnerooth and R. Starnes
(eds.). Proceedings of an IIASA Task
Force Meeting, 23 - 26 September, Laxenburg, IIASA, 1982. "Decision Making for Low
Probability Events: A Conceptual
Framework," Risk: A Seminar Series, H. Kunreuther
(ed.). Laxenburg, IIASA, 1982. "The Economics of Protection
Against Low Probability Events," New
Directions in Decision Making: An
Interdisciplinary Approach to the Study of Organizations, G. Ungson and D.
Braunstein (eds.). Boston: Kent Publishing, 1982. "Natural Disasters and their
Long-Term Effects: A Commentary," Social Science and Natural Hazards, J.
Wright and P. Rossi (eds.). Abt Books,
Cambridge, MA, 1981. "Siting Hazardous
Facilities: Lessons from LNG,"
with J. Lathrop, Risk Analysis, 1981. "Issues on Earthquake
Insurance," CPCU Journal,
September 1981. "Decision Analysis for
Complex Systems," Knowledge,
with Paul Schoemaker, March 1981. "The Changing Societal
Consequences of Risks from natural Hazards," Annals of the American Academy of Political and Social Science, Vol
443, May 1979. "Contingency Planning
Against Low Probability Events," Best's
Review, with B. Borkan, Vol 80, May 1979. "Why Aren't They
Insurer?" The Journal of Insurance,
Vol XL, September-October 1979. "An Experimental Study of
Insurance Decisions," The Journal of
Risk and Insurance, with Paul Schoemaker, December 1979. "Safety-First, Gambling, and
Subsistence Farmer," Risk
Uncertainty and Agricultural Development, with G. Wright, J. Roumasset, J.
Boussard and I. Singh (eds.).
Philippines: Searca 1979. "Stochastic Horizons for the
Aggregate Planning Problem," Management
Science, with Paul Kleindorfer, January 1978. "Even Noah Built an Ark --
Why Aren't you Insured?" Wharton
Magazine, Summer 1978. "Economics, Psychology and
Protective Behavior," American
Economic Review: Papers and Proceedings,
May 1979. "Drug Taking Compliance as
an Innovation -- Decision Process," Health
Services Research, with Jack Hershey, Winter 1978. "Guidelines for Coping with
the Impact of Natural Disasters and Climatic Change," The Future of Risk. New
York: Risk Studies Foundation, 1978. "Towards a Community
Disaster Model," Mass Emergencies,
with B. Borkan, N. Katz and L. Miller, March 1978. "Protection Against Low
Probability Events: A Sequential Model
of Choice," Proceedings of the
Seventh Annual Pittsburgh Conference on Modelling and Simulation, April
1978. "Reducing Losses from
Selected Hazards: Role of the Public
and Private Sectors," Proceedings of
the RANN 2 Symposium, Washington, DC, November 1976. "Limited Knowledge and
Insurance Protection," Public Policy,
Spring 1976. "Cotton, Corn, and Risk in
the Nineteenth Century," with G. Wright, Journal of Economic History, September 1975. "Economic Analysis of
Natural Hazards: An Ordered Choice
Approach," Natural Hazards: Local, National and Global, G. White (ed.). Oxford University Press, 1974. "Decision Processes,
Rationality, and Adjustments to Natural Hazards: A Review and Some Hypotheses," Natural Hazards: Local,
National and Global, with Paul Slovic and G. White, G. White (ed.). Oxford University Press, 1974. "Disaster Insurance: A Tool for Hazard Mitigation," Journal of Risk and Insurance, June
1974. "Planning Horizons for the
Dynamic lot Size Model with Backlogging," Management Science, with J. Blackburn, November 1974. "General Planning Horizons
for Production Smoothing with Deterministic Demands, II. Extensions to Overtime, Undertime and
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