T. A. Heller, S. Rigoldi, J. Burgos, and M. Sasinowski, “Obligatory Insurance as a Form of Social Engineering: A Comparison Paper Between the United States, Italy, Aruba and Poland”, in Collected Papers of Thomas A. Heller, S. Kraljić , Ed. Univerzitetna založba Univerze v Mariboru, 2025, pp. 37–70. doi: 10.18690/um.pf.6.2025.2.