@misc{indiciaea1db13be0603,
  title = {Saving, dependency and development.},
  author = {A C Kelley and R M Schmidt},
  year = {1996},
  doi = {10.1007/bf00573070},
  url = {https://pubmed.ncbi.nlm.nih.gov/12292225/},
  note = {Source identifier: 12292225}
}