@book{Bowers1997,
author = {Bowers, N.L.J. and Gerber, H.U. and Hickman, J.C. and Jones, D.A. and Nesbitt, C.J.},
title= {Actuarial mathematics},
year = {1997},
address = {Schaumburg, Illinois},
publisher = {Society of Actuaries},
}