@inbook{NBERc0068,
 Crossref = "NBERpote06-1",
 title = "Splitting Tax Refunds and Building Savings: An Empirical Test ",
 author = "Sondra Beverly and Daniel Schneider and Peter Tufano",
 BookTitle = "Tax Policy and the Economy, Volume 20",
 Publisher = "The MIT Press",
 pages = "111-162",
 year = "2006",
 month = "September",
 URL = "http://www.nber.org/chapters/c0068",
}
@book{NBERpote06-1,
 title = "Tax Policy and the Economy, Volume 20",
 author = "James Poterba",
 institution = "National Bureau of Economic Research",
 type = "Book",
 publisher = "The MIT Press",
 year = "2006",
 URL = "http://www.nber.org/books/pote06-1",
}