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MLA
Apfel, Kenneth S., and Michael J. Graetz. Uncharted Waters: Paying Benefits From Individual Accounts in Federal Retirement Policy. Brookings Institution Press, 2005, www.jstor.org/stable/10.7864/j.ctt1287bgj, Accessed 8 Aug. 2020.
APA
Apfel, K., & Graetz, M. (2005). Uncharted Waters: Paying Benefits From Individual Accounts in Federal Retirement Policy. Brookings Institution Press. Retrieved August 8, 2020, from www.jstor.org/stable/10.7864/j.ctt1287bgj
CHICAGO
Apfel, Kenneth S., and Michael J. Graetz. Uncharted Waters: Paying Benefits From Individual Accounts in Federal Retirement Policy. Brookings Institution Press, 2005. Accessed August 8, 2020. www.jstor.org/stable/10.7864/j.ctt1287bgj.

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