@book{24143,
	author = {Gitman, Lawrence J. and Joehnk, Michael D.},
	title = {Personal financial planning .},
	publisher = {Thomson/South-Western,},
	year = {c2005.},
	address = {Mason, Ohio :},
	edition = {10th ed.},
	url = {http://www.loc.gov/catdir/enhancements/fy1103/2003116853-b.html}
}