Fisher, Richard W., 1949-
and Federal Reserve Bank of Dallas
"Review, Reflect and Deflect (With Reference to the Texas Ratio, 'Super-Spreaders' and Three Great Newspapers)."
Remarks before the Independent Bankers Association of Texas Annual Convention,
September 23, 2013,
https://fraser.stlouisfed.org/title/6147/item/594163, accessed on December 18, 2025.