@misc{indiciae2379c14a4983, title = {Reversals, delinquency and disruption.}, author = {A J Bowers}, year = {1986}, doi = {10.1111/j.2044-8260.1986.tb00710.x}, url = {https://pubmed.ncbi.nlm.nih.gov/3801734/}, note = {Source identifier: 3801734} }