Williams, C. A., & .Heins, R. M. (1981). Risk management and insurance (4th ed.). McGraw-Hill.
Цитирование в стиле Чикаго (17-е изд.)Williams, C. Arthur, и Richard M. .Heins. Risk Management and Insurance. 4th ed. New York: McGraw-Hill, 1981.
Цитирование MLA (9-е изд.)Williams, C. Arthur, и Richard M. .Heins. Risk Management and Insurance. 4th ed. McGraw-Hill, 1981.