Citace podle APA (7th ed.)

Bayer, P. J., Bernheim, B. D., & Scholz, J. K. (1996). The effects of financial education in the workplace: Evidence from a survey of employers. National Bureau of Economic Research.

Citace podle Chicago (17th ed.)

Bayer, Patrick J., B Douglas Bernheim, a John Karl Scholz. The Effects of Financial Education in the Workplace: Evidence from a Survey of Employers. Cambridge: National Bureau of Economic Research, 1996.

Citace podle MLA (9th ed.)

Bayer, Patrick J., et al. The Effects of Financial Education in the Workplace: Evidence from a Survey of Employers. National Bureau of Economic Research, 1996.

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