@misc{indiciaec1caba3d100d,
  title = {"Live now, pay later".},
  author = {Paul B Freeman},
  year = {2006},
  doi = {10.1016/j.optm.2006.02.009},
  url = {https://pubmed.ncbi.nlm.nih.gov/16567276/},
  note = {Source identifier: 16567276}
}