Heller, Thomas Allan, Silvia Rigoldi, Jessica Burgos, and Mateusz 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, edited bySuzana Kraljić, 37–70. Univerzitetna založba Univerze v Mariboru, 2025. Accessed July 15, 2025. https://press.um.si/index.php/ump/catalog/book/977/chapter/734.