Federal Reserve Bank of Atlanta. "2012 Annual Report : Annual Report : Turning Points: 7 Critical Conversations About the Economy in 2012," Annual Report of the Federal Reserve Bank of Atlanta (March 14, 2013). https://fraser.stlouisfed.org/title/148/item/598635/content/pdf/2012_frbatl_annualreport, accessed on March 5, 2026.