Gaya APA

SETTING, N, R, C, (, C, O. (1991). PAY now or pay later : . Washingto, D.C.: National Academy Press.

Gaya MLA

SETTING, NATIONAL, RESEARCH, COUNCIL, (U.S)., COMMITTEE, ON. "PAY now or pay later :". Washingto, D.C.: National Academy Press, 1991. Buku.