correlation in their assets (health, wealth, wisdom, i.e. skills), causing them to demand a great deal of insurance coverage …. Insurers on the other hand eschew positively correlated risks. It can be shown that insurance contributes to a reduction of … insurance. Analyzing deviations from trend in aggregate insurance payments, one finds the following for the United States and …

, robot adoption, three types of digital assets, and total factor productivity, on migrant employment. The key findings reveal … workers, resulting in a higher share of migrant workers following robot adoption. Total factor productivity positively …