@inbook{NBERc3295,
 Crossref = "NBERherz70-1",
 title = "The Major Determinants of Differential Mortgage Qualiiy",
 author = "John P. Herzog and James S. Earley",
 BookTitle = "Home Mortgage Delinquency and Foreclosure",
 Publisher = "NBER",
 pages = "43-66",
 year = "1970",
 URL = "http://www.nber.org/chapters/c3295",
}
@book{NBERherz70-1,
 title = "Home Mortgage Delinquency and Foreclosure",
 author = "John P. Herzog and James S. Earley",
 institution = "National Bureau of Economic Research",
 type = "Book",
 publisher = "NBER",
 year = "1970",
 URL = "http://www.nber.org/books/herz70-1",
}