The Review of Economics and Statistics Vol. 85, Issue 4, Pages 909-922 2003 HKS Authors See citation below for complete author information. Richard Zeckhauser Frank Plumpton Ramsey Professor of Political Economy Citation Rizzo, John A., and Richard Zeckhauser. "Reference Incomes, Loss Aversion, and Physician Behavior." The Review of Economics and Statistics 85.4 (2003): 909-922.