@book{54531,
	author = {Apfel, Kenneth S. and ebrary, Inc.},
	title = {Uncharted waters},
	publisher = {National Academy of Social Insurance :},
	year = {c2005.},
	address = {Washington, D.C. :},
	url = {http://site.ebrary.com/lib/rucke/Doc?id=10078487}
}