@book{39223,
	author = {Cummins, J. David.},
	title = {Development of life insurance surrender values in the United States},
	publisher = {S. S. Heubner [sic] Foundation for Insurance Education; distributed by R. D. Irwin, Homewood, Ill.},
	year = {[1973]},
	series = {S.S. Huebner Foundation monograph series},
	address = {Philadelphia},
	note = {920306}
}