# I am the Watcher. I am your guide through this vast new twtiverse.
# 
# Usage:
#     https://watcher.sour.is/api/plain/users              View list of users and latest twt date.
#     https://watcher.sour.is/api/plain/twt                View all twts.
#     https://watcher.sour.is/api/plain/mentions?uri=:uri  View all mentions for uri.
#     https://watcher.sour.is/api/plain/conv/:hash         View all twts for a conversation subject.
# 
# Options:
#     uri     Filter to show a specific users twts.
#     offset  Start index for quey.
#     limit   Count of items to return (going back in time).
# 
# twt range = 1 1
# self = https://watcher.sour.is/conv/6frstjq
Why Do People Let Their Life Insurance Lapse?**
The abstract of a new paper published on Journal of Financial Economics: We study aggregate lapsation risk in the life insurance sector. We construct two lapsation risk factors that explain a large fraction of the common variation in lapse rates of the 30 largest life insurance companies. The first is a cyclical factor that is positively correlated with credit spreads and unemployment ... ⌘ Read more