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LUSARDI, ANNAMARIA; MITCHELL, OLIVIA S.; OGGERO, NOEMI . (2019). Debt and Financial Vulnerability on the Verge of Retirement. Journal of Money, Credit and Banking, (), jmcb.12671–. doi:10.1111/jmcb.12671 

An interview with Sci-Hub Founder Alexandra Elbakyan,Who exactly should pay for academic research