@book{64193,
	author = {ebrary, Inc.},
	title = {Pay now or pay later},
	publisher = {National Academy Press,},
	year = {1991.},
	address = {Washington, D.C. :},
	note = {Includes bibliographical references.},
	url = {http://site.ebrary.com/lib/rucke/Doc?id=10055264}
}