Federal Reserve Bank of St. Louis. "St. Louis Fed's The Regional Economist: Do We Have a Saving Crisis?, Cash-Out Refinancing Can Be Risky, The Haze Surrounding Smoking Bans, Job Trends in Louisville and Memphis, Eighth District Profile: Oxford, Miss.," Federal Reserve Bank of St. Louis News Releases (July 1, 2005). https://fraser.stlouisfed.org/title/6265/item/654688, accessed on January 5, 2025.