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 by Suzana Kraljić, 37–70. University of Maribor Press, 2025. Accessed March 6, 2026. https://press.um.si/index.php/ump/catalog/book/977/chapter/734.