Johnsen, Rebecca. "Research Spotlight : The Price of Avoiding Minor Financial Loss," in Federal Reserve Bank of Richmond. "First Quarter 2011, Volume 15, Number 1," Econ Focus (Federal Reserve Bank of Richmond) (First Quarter 2011) : 13-13. https://fraser.stlouisfed.org/title/3941/item/476951/toc/503511 , accessed on February 7, 2023.