Consistent with the presence of these frictions, the variance in the residual distribution of premiums is greatest in the fully insured market segment where search frictions are likely to be greatest.

• 一致以这些摩擦出现，变化在保险费的残余的发行是最伟大的在充分地保险了市场部门，查寻摩擦可能是最伟大的。