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1

Cooperman, Elizabeth Singleton. The effect of the 1985 Ohio thrift crisis on the interest cost of retail CD's. Washington, D.C: Federal Home Loan Bank Board, Office of Policy and Economic Research, 1989.

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2

Chaturvedi, Vaibhav. Inter-relations between economic growth, savings, and inflation in Asia. Ahmedabad: Indian Institute of Management, 2008.

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3

Deepak, Lal, Wolf Martin 1946-, and World Bank, eds. Stagflation, savings, and the state: Perspectives on the global economy. New York: Oxford University Press, 1986.

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4

Sheshinski, Eytan. An explanation of the behavior of personal savings in the United States in recent years. Cambridge, MA: National Bureau of Economic Research, 1989.

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5

Imbens, Guido. Estimating the effect of unearned income on labor supply, earnings, savings, and consumption: Evidence from a survey a lottery players. Cambridge, MA: National Bureau of Economic Research, 1999.

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6

United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance. Effect of bank regulation on credit availability: Hearing before the Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, One Hundred Third Congress, first session, March 30, 1993. Washington: U.S. G.P.O., 1993.

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7

United States. Congress. House. Committee on Ways and Means. Contract with America--savings and investment: Hearings before the Committee on Ways and Means, House of Representatives, One Hundred Fourth Congress, first session, January 24, 25, 26, 31; and February 1, 1995. Washington: U.S. G.P.O., 1996.

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8

Office, General Accounting. Future Years Defense Program: Funding increase and planned savings in fiscal year 2000 program are at risk : report to the Chairman, Committee on the Budget, House of Representatives. Washington, D.C. (P.O. Box 37050, Washington, D.C. 20013): The Office, 1999.

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9

Office, General Accounting. Future years defense program: How savings from reform initiatives affect DOD's 1999-2003 program : report to the chairman and ranking minority member, Committee on Armed Services, House of Representatives. Washington, D.C. (P.O. Box 37050, Washington, D.C. 20013): The Office, 1999.

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10

Office, General Accounting. Future years defense program: How savings from reform initiatives affect DOD's 1999-2003 program : report to the chairman and ranking minority member, Committee on Armed Services, House of Representatives. Washington, D.C. (P.O. Box 37050, Washington, D.C. 20013): The Office, 1999.

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11

United States. Congressional Budget Office., ed. The Economic effects of the savings & loan crisis. Washington, D.C: Congress of the U.S., Congressional Budget Office, 1992.

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12

Randolph, Lyman T. Savings in the U.S.: Effects, issues and proposals. Hauppauge, N.Y: Nova Science Publishers, 2009.

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13

Poterba, James M. The effects of special saving programs on saving and wealth. Cambridge, MA: National Bureau of Economic Research, 1995.

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14

Ireland, Peter N. The real balance effect. Cambridge, MA: National Bureau of Economic Research, 2001.

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15

Engen, Eric M. The effects of tax-based saving incentives on saving and wealth. Cambridge, MA: National Bureau of Economic Research, 1996.

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16

Baldwin, Richard E. Measuring 1992's medium-term dynamic effects. Cambridge, MA: National Bureau of Economic Research, 1989.

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17

1926-, Juster F. Thomas, ed. The decline in household saving and the wealth effect. Washington, D.C: Federal Reserve Board, 2004.

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18

Lopez, Ramon E. Microeconomic distortions: Static losses and their effect on the efficiency of investment. Washington, DC (1818 H St. NW, Washington 20433): Office of the Vice President, Development Economics, the World Bank, 1991.

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19

Card, David E. Pension plan characteristics and framing effects in employee savings behavior. Cambridge, Mass: National Bureau of Economic Research, 2007.

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20

Balassa, Bela A. The effects of interest rates on savings in developing countries. Washington, DC (1818 H St., NW, Washington 20433): Development Economics, World Bank, 1989.

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21

Samwick, Andrew. Tax reform and target saving. Cambridge, MA: National Bureau of Economic Research, 1998.

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22

Feldstein, Martin S. The effects of tax-based saving incentives on government revenue and national saving. Cambridge, MA: National Bureau of Economic Research, 1992.

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23

Scheffczyk, Leo. The specific saving effect proper to the sacrament of penance. Rome: International Community "Work of Christ"., 1996.

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24

Ando, Albert. Micro simulation analysis of aggregate savings behavior in Japan: Effects of aging population on aggregate savings and design of policies on savings in Japan. Tokyo, Japan: National Institute for Research Advancement, 1996.

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25

Poterba, James M. Finite lifetimes and the effects of budget deficits on national savings. Cambridge, Mass: Dept. of Economics, Massachusetts Institute of Technology, 1986.

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26

Melo, Jaime de. The effects of financial liberalization on savings and investment in Uruguay. [Washington, D.C.]: Development Research Department, World Bank, 1985.

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27

Bredin, Don. Liquidity effects and precautionary saving in the Czech Republic. Dublin: Research and Publications Department, Central Bank of Ireland, 2001.

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28

Webb, Steven Benjamin. The effect of demographic changes on saving for life-cycle motives in developing countries. Washington, DC (1818 H St. NW, Washington DC 20433): World Bank, 1989.

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29

Francesco, Giavazzi, and National Bureau of Economic Research., eds. Searching for non-monotonic effects of fiscal policy: New evidence. Cambridge, Mass: National Bureau of Economic Research, 2005.

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30

Abel, Andrew B. The effects of irreversibility and uncertainty on capital accumulation. Cambridge, MA: National Bureau of Economic Research, 1995.

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31

J, Choi James, and National Bureau of Economic Research., eds. For better or for worse: Default effects and 401(k) savings behavior. Cambridge, MA: National Bureau of Economic Research, 2001.

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32

Attanasio, Orazio P. Household saving in developing countries: Inequality, demographics and all that : how different are Latin America and South East Asia. Washington, D.C: Inter-American Development Bank, Research Dept., 2000.

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33

Feldstein, Martin S. The effect of a consumption tax on the rate of interest. Cambridge, MA: National Bureau of Economic Research, 1995.

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34

Skinner, Jonathan. Housing wealth and aggregate saving. Cambridge, MA: National Bureau of Economic Research, 1989.

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35

United States. Congressional Budget Office., ed. The Federal deficit: Does it measure the government's effect on national saving? Washington, D.C: Congress of the U.S., Congressional Budget Office, 1990.

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36

United States. Congressional Budget Office., ed. The Federal deficit: Does it measure the government's effect on national saving? Washington, D.C: Congress of the U.S., Congressional Budget Office, 1990.

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37

Hubbard, R. Glenn. The importance of precautionary motives in explaining individual and aggregate saving. Cambridge, MA: National Bureau of Economic Research, 1993.

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38

Gustman, Alan L. Effects of pensions on savings: Analysis with data from the health and retirement study. Cambridge, MA: National Bureau of Economic Research, 1998.

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39

Office, General Accounting. Department of Energy: Savings from deactivating facilities can be better estimated : report to the Chairman, Subcommittee on Military Procurement, Committee on National Security, House of Representatives. Washington, D.C: U.S. General Accounting Office, 1995.

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40

Francesco, Giavazzi, and National Bureau of Economic Research., eds. Searching for non-monotonic effects of fiscal policy: New evidence. Cambridge, MA: National Bureau of Economic Research, 2005.

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41

William, Jack. Employee cost-sharing and the welfare effects of flexible spending accounts. Cambridge, Mass: National Bureau of Economic Research, 2005.

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42

William, Jack. Employee cost-sharing and the welfare effects of flexible spending accounts. Cambridge, MA: National Bureau of Economic Research, 2005.

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43

Kimball, Miles S. Precautionary saving and the marginal propensity to consume. Cambridge, MA: National Bureau of Economic Research, 1990.

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44

Francke, Hans-Hermann. Sparverhalten bei Unterbeschäftigung, stagnierendem oder sinkendem Realeinkommen. Stuttgart: Deutscher Sparkassenverlag, 1985.

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45

Skinner, Jonathan. The impact of the 1986 Tax Reform Act on personal saving. Cambridge, MA: National Bureau of Economic Research, 1990.

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46

Mulligan, Casey B. Adoption of financial technologies: Implications for money demand and monetary policy. London: Centre for Economic Policy Research, 1996.

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47

Mulligan, Casey B. Adoption of financial technologies: Implications for money demand and monetary policy. Cambridge, MA: National Bureau of Economic Research, 1996.

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48

E. Lecaldano Sasso La Terza. Households' saving and the real rate of interest: The Italian experience, 1970-1983. [Roma]: Servizio studi della Banca d'Italia, 1985.

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49

Baldwin, Robert E. The Stolper-Samuelson theorem reconsidered: An example of Ricardian dynamic trade effects. Cambridge, MA: National Bureau of Economic Research, 1989.

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50

Bloom, David E. The effect of improvements in health and longevity on optimal retirement and saving. Cambridge, Mass: National Bureau of Economic Research, 2004.

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