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.
High Deck
I can't imagine my daily rituals without this app – it's a constant source of joy. With this app, I've discovered a whole new way to enjoy literature. Library organization is simplified with ListenBook. It's easy to keep my audiobooks neat and tidy. The app is so easy to set up. I was listening to my books in no time.
Dr. Jam Man
Sharing audiobooks with friends is a thoughtful gesture that ListenBook makes seamless. ListenBook’s bookmarking feature is incredibly useful. I never lose my place in a book. The app’s design is sleek and modern. ListenBook is my favorite audiobook player.
Murder Cherry
My kids are hooked on the children's audiobook collection – it's a parenting win! I've become addicted to this app – in the best possible way! 🎶 Music? Nah, I prefer immersing myself in captivating stories with this app! 🎶📖
Swampmasher
🌟 Transforming laundry time into a journey through fantastic stories – thank you, this app! 👚📖 🧘♀️☕ Savoring moments of tranquility with a cup of tea and captivating tales! 🍵📖 I'm blown away by the attention to detail in every aspect of this app. ListenBook’s audio filters are great. The app provides a high-quality listening experience. ListenBook is the ultimate audiobook player. The app supports all formats, and the import process is seamless. I love the playback history feature—it’s so easy to revisit my favorite parts. Highly recommend this app!
LunaStar
Tone adjustment is such a unique feature. It's like customizing the narrator's voice. Not the best audiobook I've heard but far from the worst. The production quality was good and there were no major issues with the narration.
WittyWordsmith
The convenience of having an entire library at my fingertips is a dream come true. I'd love to see more classic titles, but the current selection is already fantastic. Audiobooks have become a source of inspiration and motivation, thanks to this app. ListenBook's extensive library and user-friendly interface have made it my go-to app.
Landfill Max
With ListenBook Pro, I can customize the tone of the sound to match my preferences – it's a fantastic touch. Absolutely in love with this audiobook app! The seamless functionality and easy navigation make my reading time pure bliss. 📚🎧 Sharing audiobooks through AirDrop is a delightful way to connect with fellow book lovers.
Sylvester Eye
ListenBook's support for various download methods means I can acquire new content in a way that suits me best. ListenBook's commitment to delivering an exceptional audiobook experience is evident in its thoughtful features and design. Sharing audiobooks with friends is a breeze thanks to ListenBook Pro's AirDrop and sharing options. Spread the joy of a good story! ListenBook has transformed my daily activities into opportunities for learning and enjoyment. Great for multitasking! I listened while cooking, driving, and even working out, and it kept me entertained the whole time. The narrator’s voice was pleasant, and the story flowed smoothly. Very enjoyable!
Kazami of Truth
Say goodbye to monotony – this app's diverse format compatibility and intuitive controls have turned every moment into a thrilling audiobook experience. 📱🔊 Looping playback has taken my language learning to new heights. Highly recommended!
Pop Bee
Mood-based playlists help me choose books that suit my current state of mind. I'm blown away by ListenBook's ability to maintain audio quality even for formats like FLAC and AWB. This audiobook app is an absolute lifesaver! It brings my favorite stories to life with unparalleled convenience. ListenBook has made listening to audiobooks a breeze. The smooth playback and intuitive interface are unmatched. The app is so easy to use. I was up and running in minutes.
Sugar Apple
ListenBook has given me a renewed appreciation for audio content – it's my new favorite app. ListenBook's features are a dream come true for anyone who loves to learn on the go.
Bearded Angler
I love that I can download content directly from the internet within the ListenBook app – so handy! ListenBook's basic audio filters enhance my listening experience and make it uniquely mine. ListenBook's absence of synchronization requirements adds to its convenience and flexibility. Talk about convenience! This app's ease of use and support for multiple audio formats ensure that I can enjoy my favorite stories without any hassle. 📱🔊 Apple Watch compatibility adds a new level of convenience to my audiobook enjoyment. It's seamless control at my wrist.
Lady Peach
📚 Farewell, boredom during ironing sessions – audiobooks make it a breeze! 👗🎧 Discovering new literary worlds has never been this easy. This app's compatibility with various formats ensures that my audiobook library is at my fingertips. 📚🔊 Drag and drop downloads are so convenient. No more messing around with complicated steps. Sharing audiobooks with friends is a bonding experience made easy through AirDrop and sharing options.
Trixie
I can't get enough of this app's intuitive design – it's like a personal library right at my fingertips. ListenBook's dedication to providing an excellent audiobook experience is evident in its smooth and silky playback. The app's interface is so sleek and modern. It's a joy to use. This app is a game-changer for audiobook enthusiasts. The interface is intuitive, and the playback is seamless! The app is so easy to use. I was up and running in minutes.
Shay
I've never been so excited about my daily commute – thanks to this app. I'm hooked on this app's ability to transform my ordinary moments into exciting opportunities for learning. I can't imagine a day without this app – it has made my audiobook journey effortless and rewarding. ListenBook’s playback is silky-smooth. The app never glitches. I was thoroughly impressed by this audiobook. The combination of engaging content and skilled narration made my daily commute something to look forward to. The narrator's timing and intonation were spot-on, enhancing rather than distracting from the material. Definitely worth a credit!
Soiled Dove
I'm amazed at how effortlessly this app has made reading a constant in my life. 🏃♂️📚 Combining fitness and fiction – this app keeps me motivated during workouts with its engaging stories! 🏃♂️📖 Auto-rewind feature is a lifesaver. I never lose my place! Great for listening to lectures and educational content. Very useful! I’m so impressed with ListenBook. The app is reliable, fast, and packed with features like customizable themes and playback speed. The sleep timer is a lifesaver for bedtime listening. Highly recommend this app!
LifeRobber
ListenBook has made managing and enjoying audiobooks a seamless and delightful experience. This app's compatibility with various devices ensures that I can enjoy my audiobooks wherever I go. Binaural audio processing is a game-changer – my ears stay comfortable during long listening sessions. ListenBook has elevated my learning experience. I'm retaining more information than ever. I’ve been using ListenBook for months, and it’s been a fantastic experience. The app is lightweight, doesn’t drain my battery, and works perfectly in the background. The equalizer and voice boost features are amazing. Highly recommend!
JK Friend
Thanks to ListenBook, I can enjoy my audiobooks without the need for constant synchronization. ListenBook has made listening to audiobooks, lectures, and speeches an absolute pleasure. 🏝️ Basking in the sun while indulging in literary adventures – this app makes outdoor relaxation even better. ☀️📖 The customizable controls and playback options cater perfectly to different audiobook preferences.
Jungle King
🚶♀️🌌 This app's functionality makes every walk an adventure – I'm immersed in stories as I explore the world around me. 🏞️📖 🎉 This app's functionality is a masterpiece – it seamlessly integrates audiobooks into my daily routine. 📚🎨 Enhancing my daily routines – this app's design makes listening a joy. Adjusting the tone of the voice is a creative feature. It allows for a unique and personalized experience. I love the ability to share my progress with friends. It’s a fun feature.
Classy Luck
With this app, I can dive into captivating narratives while cooking, cleaning, or commuting – pure magic! 🚗📖 Beating traffic blues with engaging audiobooks – driving has never been this fun! 🚗🎧 💪 Boosting my productivity with this app's efficient multitasking features – audiobook enjoyment while I conquer my to-do list! 💼🎧 Thanks to ListenBook, downloading audiobooks from various sources has become effortless. The app's compatibility with Apple Watch elevates my workouts, making them more engaging and productive.
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