@misc{indiciae74ee37a646b9,
  title = {Save now, don't pay later.},
  author = {Kendal Powell},
  year = {2005},
  doi = {10.1038/nj7023-336a},
  url = {https://pubmed.ncbi.nlm.nih.gov/15662429/},
  note = {Source identifier: 15662429}
}