Cramer, Reid. "Accounts at Birth: A Proposal to Improve Life Chances Through a National System of Children’s Savings Accounts." Child Welfare Research: Advances for Practice and Policy. : Oxford University Press, 2008-05-01. Oxford Scholarship Online. 2009-01-01. Date Accessed 23 May. 2013 <http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780195304961.001.0001/acprof-9780195304961-chapter-20>.
Cramer, R.(2008-05-01). Accounts at Birth: A Proposal to Improve Life Chances Through a National System of Children’s Savings Accounts. In Child Welfare Research: Advances for Practice and Policy. : Oxford University Press. Retrieved 23 May. 2013, from http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780195304961.001.0001/acprof-9780195304961-chapter-20.
Cramer, Reid. "Accounts at Birth: A Proposal to Improve Life Chances Through a National System of Children’s Savings Accounts." In Child Welfare Research: Advances for Practice and Policy. : Oxford University Press, 2008-05-01. http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780195304961.001.0001/acprof-9780195304961-chapter-20.
Cramer R. Accounts at Birth: A Proposal to Improve Life Chances Through a National System of Children’s Savings Accounts. In: Lindsey D, Shlonsky A. Child Welfare Research: Advances for Practice and Policy. Oxford University Press; 2008. http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780195304961.001.0001/acprof-9780195304961-chapter-20. Accessed May 23, 2013.