Cita APA (7th ed.)

Bernheim, B. D., Skinner, J., & Weinberg, S. (1997). What accounts for the variation in retirement wealth among U.S. households. National Bureau of Economic Research.

Cita Chicago (17th ed.)

Bernheim, B. Douglas, Jonathan Skinner, i Steven Weinberg. What Accounts for the Variation in Retirement Wealth Among U.S. Households. Cambridge: National Bureau of Economic Research, 1997.

Cita MLA (9th ed.)

Bernheim, B. Douglas, et al. What Accounts for the Variation in Retirement Wealth Among U.S. Households. National Bureau of Economic Research, 1997.