text and forms Clontz , Ralph C. creator Pannabecker, James H. text vau Arlington , Va Warren , Gorham & Lamont c1998 1998 Rev. ed. monographic eng 2 v. ill. 28 cm . Ralph C. Clontz , Jr. ; James H. Pannabecker , update author . Kept up to date by supplements . Consumer credit United States KF 1040 .C54 1998 PUCPR 021212 20160527191916.0 258827