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Frank, Robert H. 'Why Do Americans Save So Little and Does It Matter?' Thrift and Thriving in America: Capitalism and Moral Order from the Puritans to the Present, ed. Joshua Yates, and James Davison Hunter (2011; pubd online May. 2012). Oxford Scholarship Online, <http://dx.doi.org/10.1093/acprof:oso/9780199769063.003.0017> accessed 17 Nov. 2019.