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MLA

Roll, Kristin H. "Moral Hazard: the Effect of Insurance On Risk and Efficiency." Agricultural economics, v. 50,.3 pp. 367-375. doi: 10.1111/agec.12490

APA

Roll, K. H. (2019). Moral hazard: the effect of insurance on risk and efficiency. Agricultural economics, 50, 367-375. doi: 10.1111/agec.12490

Chicago

Roll, Kristin H. "Moral hazard: the effect of insurance on risk and efficiency" Agricultural economics 50, no. 3 (2019): 367-375. doi: 10.1111/agec.12490