@book{12997,
	author = { Credit union national association (CUNA) and Credit  union national association},
	title = {Using CRedit Wisely.},
	publisher = {CUNA international, INC.},
	year = {1966},
	address = {Madison, Toronto},
	url = {http://www.loc.gov/catdir/toc/ecip0711/2007006481.html}
}