@book{180843,
	author = {Pannabecker, James H. and Clontz , Ralph C.},
	title = {Truth in-lending manual},
	publisher = {A.S. Pratt/Thompson Media Group},
	year = {c2012-},
	address = {Austin, Texas},
	edition = {3rd ed.},
	note = {Previous edition author: Ralph C. Clontz, Jr.}
}