APA (7th ed.) Citation

Beverly, S., Schneider, D., & Tufano, P. (2005). Splitting tax refunds and building savings: An empirical test.

Chicago Style (17th ed.) Citation

Beverly, S., D. Schneider, and P. Tufano. Splitting Tax Refunds and Building Savings: An Empirical Test. 2005.

MLA (9th ed.) Citation

Beverly, S., et al. Splitting Tax Refunds and Building Savings: An Empirical Test. 2005.