Spencer, Peter d. "Adverse Selection and the Market for Retail Financial Services." The Structure and Regulation of Financial Markets. : Oxford University Press, 2000-10-12. Oxford Scholarship Online. 2011-10-03. Date Accessed 25 May. 2013 <http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780198776093.001.0001/acprof-9780198776093-chapter-2>.
Spencer, P.(2000-10-12). Adverse Selection and the Market for Retail Financial Services. In The Structure and Regulation of Financial Markets. : Oxford University Press. Retrieved 25 May. 2013, from http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780198776093.001.0001/acprof-9780198776093-chapter-2.
Spencer, Peter d. "Adverse Selection and the Market for Retail Financial Services." In The Structure and Regulation of Financial Markets. : Oxford University Press, 2000-10-12. http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780198776093.001.0001/acprof-9780198776093-chapter-2.
Spencer Pd. Adverse Selection and the Market for Retail Financial Services. In: Spencer PD. The Structure and Regulation of Financial Markets. Oxford University Press; 2000. http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780198776093.001.0001/acprof-9780198776093-chapter-2. Accessed May 25, 2013.