APA način citiranja (7. izdanje)

Hubbard, R. G., & Skinner, J. S. (1996). Assessing the effectiveness of saving incentives. National Bureau of Economic Research.

Čikaški stil citiranja (17. izdanje)

Hubbard, R Glenn, i Jonathan S. Skinner. Assessing the Effectiveness of Saving Incentives. Cambridge: National Bureau of Economic Research, 1996.

MLA način citiranja (9. izdanje)

Hubbard, R Glenn, i Jonathan S. Skinner. Assessing the Effectiveness of Saving Incentives. National Bureau of Economic Research, 1996.