@misc{indiciae7054b42c3a4f,
  title = {How to save big bucks!},
  author = {J Montague and A Nordhaus-Bike and K Sandrick},
  year = {1996},
  url = {https://pubmed.ncbi.nlm.nih.gov/8595444/},
  note = {Source identifier: 8595444}
}