@inbook{NBERc4733,
 Crossref = "NBERchap40-1",
 title = "Customer Charges",
 author = "John M. Chapman",
 BookTitle = "Commercial Banks and Consumer Instalment Credit",
 Publisher = "NBER",
 pages = "140-162",
 year = "1940",
 URL = "http://www.nber.org/chapters/c4733",
}
@book{NBERchap40-1,
 title = "Commercial Banks and Consumer Instalment Credit",
 author = "John M. Chapman",
 institution = "National Bureau of Economic Research",
 type = "Book",
 publisher = "NBER",
 year = "1940",
 URL = "http://www.nber.org/books/chap40-1",
}