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 __   _      ___      ______     ___              
| || | ||   / _ \\   /_____//   / _ \\    ____    
| '--' ||  / //\ \\  `____ `   / //\ \\  |    \\  
| .--. || |  ___  || /___//   |  ___  || | [] ||  
|_|| |_|| |_||  |_|| `__ `    |_||  |_|| |  __//  
`-`  `-`  `-`   `-`  /_//     `-`   `-`  |_|`-`   
                     `-`                 `-`

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Text this: Credit crunch and insurance consumption : the aftermath of the subprime mortgage crisis