@book{165156,
	author = {Cole, Shawn. and ebrary, Inc.},
	title = {Barriers to household risk management},
	publisher = {International Monetary Fund,},
	year = {c2012.},
	address = {Washington, D.C. :},
	url = {http://site.ebrary.com/lib/rucke/Doc?id=10627147}
}