> For the complete documentation index, see [llms.txt](https://docs.takadao.io/takadao-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.takadao.io/takadao-docs/references.md).

# References

Tsafrir, Nurit. Collective Liability in Islam: The ‘Aqila and Blood Money Payments. UK, Cambridge University Press, 2020. 

Haueter, Niels Viggo. A History of Insurance. Swiss Re, 2013/2017. <https://www.swissre.com/dam/jcr:638f00a0-71b9-4d8e-a960-dddaf9ba57cb/150_history_of_insurance.pdf>&#x20;

International Cooperative and Mutual Insurance Federation. A Practical Guide to Understanding Mutual Insurance. <https://www.icmif.org/wp-content/uploads/2020/07/Guide_Mutual-insurance_Icmif.pdf>&#x20;

Chugh, Lal and Meador, Joseph W., "Demutualization in the Life Insurance Industry: A Study of Effectiveness" (2006). Financial Services Forum Publications. 8. <https://scholarworks.umb.edu/financialforum_pubs/8> &#x20;

WARD, D. and R. ZURBRUEGG (2002). “Law, Politics and Life Insurance Consumption in Asia”, The Geneva Papers on Risk and Insurance, 27(3), 395–412.

Polborn, Mattias K (1998). “A Model of an Oligopoly in an Insurance Market”, The Geneva Papers on Risk and Insurance Theory, 23, 41-48.

<br>


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://docs.takadao.io/takadao-docs/references.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.