@article{ref1,
title="Safety in numbers. Employers that join workers' comp insurance pools reap the benefit of reduced premiums and safer workplaces",
journal="Business and health",
year="1994",
author="Tweed, V.",
volume="12",
number="4",
pages="59-60, 62, 64",
abstract="<p>[Abstract unavailable]</p><p>Language: en</p>",
language="en",
issn="0739-9413",
doi="",
url="http://dx.doi.org/"
}