Lacker, Jeffrey Malcolm
and Federal Reserve Bank of Richmond. "Human Capital Investment as a Major Financial Decision : Speech : Council for Economic Education's 52nd Annual Conference, Baltimore, Md." in Statements and Speeches of Jeffrey M. Lacker
(October 4, 2013).
https://fraser.stlouisfed.org/title/6827/item/678726/content/pdf/lacker_20131004, accessed on January 14, 2026.