20thcentury americans analysedesrisques assurances biography blackmarket bus033070 bus038000 business businessinsurance casestudies compagniesd'assurance comportementduconsommateur consumerbehavior crime decisionmaking economics gaikokujin(nihonzairyu) gangsters history insurance insurancelaw japan labor management moralandethicalaspects pe520 prisededécision(politique) qq600 rekishi risk risk(insurance) riskassessment riskmanagement riskperception sociologicalaspects tokyo verhaltensökonomie versicherungswirtschaft 外国人(日本在留) 歴史