@inbook{NBERc1725,
 Crossref = "NBERsmit64-1",
 title = "Trends in Cost of Providing Consumer Credit",
 author = "Paul F. Smith",
 BookTitle = "Consumer Credit Costs, 1949-59",
 Publisher = "UMI",
 pages = "98-116",
 year = "1964",
 URL = "http://www.nber.org/chapters/c1725",
}
@book{NBERsmit64-1,
 title = "Consumer Credit Costs, 1949-59",
 author = "Paul F. Smith",
 institution = "National Bureau of Economic Research",
 type = "Book",
 publisher = "UMI",
 year = "1964",
 URL = "http://www.nber.org/books/smit64-1",
}