@misc{indiciae492abc5ba2e3,
  title = {Stupid payment tricks.},
  author = {Bruce Gipe},
  year = {2002},
  doi = {10.1067/mem.2002.127081},
  url = {https://pubmed.ncbi.nlm.nih.gov/12192368/},
  note = {Source identifier: 12192368}
}