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MLA
“Financial Demographics.” Uncharted Waters: Paying Benefits From Individual Accounts in Federal Retirement Policy, by Kenneth S. Apfel and Michael J. Graetz, Brookings Institution Press, 2005, pp. 23–44, www.jstor.org/stable/10.7864/j.ctt1287bgj.7. Accessed 7 Aug. 2020.
APA
Apfel, K., & Graetz, M. (2005). Financial Demographics. In Uncharted Waters: Paying Benefits From Individual Accounts in Federal Retirement Policy (pp. 23-44). Brookings Institution Press. Retrieved August 7, 2020, from www.jstor.org/stable/10.7864/j.ctt1287bgj.7
CHICAGO
Apfel, Kenneth S., and Michael J. Graetz. "Financial Demographics." In Uncharted Waters: Paying Benefits From Individual Accounts in Federal Retirement Policy, 23-44. Brookings Institution Press, 2005. Accessed August 7, 2020. www.jstor.org/stable/10.7864/j.ctt1287bgj.7.

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