Federal Reserve Bank of Atlanta and Federal Reserve Bank of Boston. "2012 Survey of Consumer Payment Choice : Tables of Standard Errors" in Survey and Diary of Consumer Payment Choice ([July 2014]). https://fraser.stlouisfed.org/title/7178/item/655169/content/pdf/frbatl_2012survey_SCPC2011-2012_standard_errors_tables, accessed on March 14, 2026.