Book description
An engaging and accessible examination of what ails insurance markets--and what to do about it--by three leading economists Why is dental insurance so crummy? Why is pet insurance so expensive? Why does your auto insurer ask for your credit score? The answer to these questions lies in understanding how insurance works. Unlike the market for other goods and services--for instance, a grocer who doesn't care who buys the store's broccoli or carrots--insurance providers are more careful in choosing their customers, because some are more expensive than others. Unraveling the mysteries of insurance markets, Liran Einav, Amy Finkelstein, and Ray Fisman explore such issues as why insurers want to know so much about us and whether we should let them obtain this information; why insurance entrepreneurs often fail (and some tricks that may help them succeed); and whether we'd be better off with government-mandated health insurance instead of letting businesses, customers, and markets decide who gets coverage and at what price. With insurance at the center of divisive debates about privacy, equity, and the appropriate role of government, this book offers clear explanations for some of the critical business and policy issues you've often wondered about, as well as for others you haven't yet considered.
Kingfisher
The offline mode is a lifesaver on flights โ I'm never without a good story. This app has transformed my daily routines into immersive storytelling experiences. Audiobooks on this app have expanded my horizons and introduced me to new ideas. ๐ช Achieving double wins โ workouts become invigorating with stories to fuel my motivation! ๐ช๐ง
Tweety Bun Bun
I've found solace in listening to audiobooks before bed โ it's my form of meditation. The customer support team is responsive and always ready to assist. I'm impressed with the wide range of supported formats. Finally, an app that plays all my audiobooks flawlessly. Tone adjustment adds a unique touch to my listening experience. I'm hooked!
ThoughtTrailblazer
This app's convenience has revolutionized the way I experience books. ListenBook Pro's noise reduction is a lifesaver. I can hear clearly even in noisy environments. ListenBook has become an integral part of my daily routine. Its compatibility with Apple Watch and CarPlay makes it the ultimate companion for various activities. I love the auto-bookmark feature. It saves my place automatically. ListenBook is the best audiobook player Iโve ever used. The app is packed with features like customizable skip intervals, playback speed, and sleep timers. The interface is clean and easy to navigate, making it a joy to use. Five stars!
Criss Cross
The ease of downloading content via WiFi, WebDAV, and more has made ListenBook my audiobook hub. The features on this app, from bookmarks to playback speed, cater to all preferences. Audiobooks on this app have expanded my horizons and introduced me to new ideas.
Highway
Download via WiFi, WebDAV, iTunes โ options galore to suit everyone's preferences. ListenBook has transformed how I enjoy audiobooks. The app is a game-changer! I'm impressed by the extensive statistics feature, allowing me to track my audiobook consumption over time. I'm so glad I chose the audiobook version! The narrator added layers of meaning I might have missed reading silently. Their interpretation of the material felt thoughtful and authentic. The recording was technically perfect - no reverb, no peaking, just clean, pleasant audio.
Marbles
Audiobooks have become my travel companions, and this app is my guide. This app's user-friendly interface has made audiobook listening a breeze, even for a tech novice like me. ListenBook Pro's tone adjustment feature is a unique tool that adds a touch of creativity to my listening experience. No need for file conversion is a game-changer. Love using ListenBook on my iPhone. Elegant design and user-friendly interface. Love it!
Sky
ListenBook has made managing and enjoying audiobooks, lectures, and speeches effortless and enjoyable. I'm in awe of how this app has made reading seamlessly fit into my lifestyle. ๐ฑ Carrying my favorite stories with me wherever I go โ this app is like a portable library in my pocket. ๐๐ User-centric audiobook joy โ this app's ease of use is a true marvel.
Mud Pie Man
With this app, my daily routines have become moments of intellectual exploration and personal growth. The app is so easy to use. I was up and running in minutes.
Crazy Eights
I can't imagine my life without this app โ it's my daily dose of literature. ListenBook has become my trusted companion for literary adventures. The app's features are exceptional.
Frosty
ListenBook Pro's noise reduction feature turns any environment into a cozy listening haven. Drag and drop downloads are genius. It simplifies the entire process. This app is perfect for anyone who loves audiobooks. The interface is sleek and modern, and the playback controls are super responsive. I also appreciate the cloud integration, which lets me access my books from anywhere. Great work!
NexusNomad
ListenBook has turned my downtime into an opportunity for exploration and growth. I'm amazed at how effortlessly I can immerse myself in stories with this app.
SmartieQuest
This app has reignited my passion for literature โ I'm devouring books like never before. ListenBook's versatile player features are like having a personal audio assistant โ it's that good! ListenBook has enriched my life with a diverse range of content, all at my fingertips. I love how this app seamlessly integrates into my busy schedule, making multitasking a breeze. Playback speed and volume controls are top-notch. Highly recommend.
WonderWords
ListenBook Pro's noise reduction feature has made my audio content much more enjoyable in noisy environments. ๐๏ธ๐ง Soaking up the sun while indulging in beach reads โ this app is my ultimate relaxation companion. ๐๏ธ๐ Efficiency meets audiobooks โ this app's functionality is a true winner. The statistics feature in ListenBook adds an element of self-awareness to my audiobook consumption.
MindfulMingle
I can't believe how convenient this app has made my reading experience. ๐ง This app is my saving grace! Now I can enjoy my beloved books while cooking up a storm! ๐๐ณ Looping playback is a game-changer for my study routine. It helps me retain information effectively. I love the chapter navigation feature. ListenBook makes it easy to jump between sections.
Guillotine Trigger
I never thought I'd enjoy audiobooks as much as I do now โ all thanks to this app. ListenBook has become my go-to audiobook app. It's dependable, user-friendly, and enhances every listening session.
Nutmeg Riot
I've become a loyal fan of audiobooks, and this app is the reason why! This app's ease of use has made reading more accessible and enjoyable than ever before. ListenBook Pro takes my experience to the next level. Unlimited audiobook length, noise reduction, and voice tone adjustment? Count me in! The best app for audiobooks. Downloading and organizing files is super easy with ListenBook.
RiddleRanger
โญ๏ธ Who knew cleaning could be this exciting? This app turns chores into adventures! ๐งน๐ฐ ListenBook is a must-have for audiobook lovers. The auto-rewind feature ensures I never miss a word. Absolutely loved the narration! The voice actor brought the characters to life with distinct tones and emotions. The production quality was top-notch, with no background noise or distractions. A truly immersive experience!
Sweetness
The convenience of having an entire library at my fingertips is a dream come true. I'm amazed by how this app effortlessly turns my daily routines into enjoyable learning sessions. With this app, I can read anytime, anywhere โ it's a reader's dream come true. Adjusting the tone of the voice is a game-changer. It's like customizing my listening experience.
Riff Raff
The convenience of switching between devices without losing my place is a lifesaver. With ListenBook, I've found a convenient and enjoyable way to engage with audiobooks and educational content. Sharing audiobooks with friends through AirDrop is a fun way to inspire others to read.
Terror Master
Language courses on audiobooks helped me pick up a new language effortlessly. This app's convenience has made reading a consistent part of my life. ListenBook's statistics feature is both enlightening and motivating. It's incredible to see the time I've invested in learning through audiobooks.
Playing a wide variety of audio formats
Works on all devices with iOS 13 and newer
Huge amount of features for a small price
Frequent updates to add new features and improve existing ones
Advanced playback controls
Live sound processing
Changing the timbre of the reader's voice and noise reduction
Translated into more than 20 languages
If you love listening to fiction audiobooks, ListenBook has features to make the process easier.
Edit book data: title, author, cover
Use equalizer to make the sound comfortable for you
Adjust the playback speed
Enjoy dark and light app themes
Supported formats: MP3, M4B, AWB, FLAC, OGG audio files and many more (must be DRM free)
Auto-Bookmarks make it easy to find your place
AirPlay support allows redirection of audio output.
VoiceOver support
Dark mode for night owls
Convenient bookmarking system helps you mark the most important places.
Unlimited bookmarks for each audiobook
Put your own cover on the wager
Share your audiobook with friends
Lock-screen control
Customise app with extensive options
Sleep timer with shake to reset, set custom notification sounds, and a few unique options
Auto rewind depending on paused time, customize rewind times to your liking
Removing background noise from recordings made in classrooms and meetings
Changing the timbre of the reader's voice for a better listening experience