farhad khorrami eco college of insurance, allameh tabatabai university   p.o.box 15875-4381 tehran, tehran 15717-53111 iran   f_khorrami_ir@yahoo.com   http://groups.msn.com/insuranceeconomics       Primary Research Focus: insurance economics, international economics, public economics, microeconomics, macroeconomics   JEL Areas: D8 : Information, Knowledge, and Uncertainty: General H0 : Public Economics: General