APA (7th ed.) Citation

Uncharted Waters Study Panel, National Academy of Social Insurance (U.S.), Apfel, K. S., & Graetz, M. J. (2005). Uncharted waters: Paying benefits from individual accounts in federal retirement policy : Study Panel final report. National Academy of Social Insurance.

Chicago Style (17th ed.) Citation

Uncharted Waters Study Panel, National Academy of Social Insurance (U.S.), Kenneth S. Apfel, and Michael J. Graetz. Uncharted Waters: Paying Benefits from Individual Accounts in Federal Retirement Policy : Study Panel Final Report. Washington, D.C.: National Academy of Social Insurance, 2005.

MLA (9th ed.) Citation

Uncharted Waters Study Panel, et al. Uncharted Waters: Paying Benefits from Individual Accounts in Federal Retirement Policy : Study Panel Final Report. National Academy of Social Insurance, 2005.