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Observation: References to publicatins should be as follows: "Smith (1992)
reported that ..." or " ... (e.g., Smith, 1992)". The list of references
should appear in alphabeical order in the following style:

Coles, S., Heffernan, J., and Tawn, J. (1999). Dependence measures for extreme
value analyses. {\it Extremes} {\bf 2}, 245-268.

Jorion, P. (1997). {\it Value at Risk.} McGraw-Hill, Chicago.

Jewell, W. (1975). Model variations in credibility theory. In: {\it
Credibility: Theory and Applications,} 193-244. Academic Press, New York.