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Clark, G., Munnell, A., Orszag, J., & Engelen, E. (2006-07-20). Changing Work Patterns and the Reorganization of Occupational Pensions. In The Oxford Handbook of Pensions and Retirement Income. : Oxford University Press. Retrieved 31 May. 2020, from https://www.oxfordhandbooks.com/view/10.1093/oxfordhb/9780199272464.001.0001/oxfordhb-9780199272464-e-6.