@book{ BA18419849,
 author = "Piacentini, Joseph S. and Cerino, Timothy J. and O'Connor, Cindy K. and Employee Benefit Research Institute (Washington, D.C.)",
 title = "EBRI databook on employee benefits",
 publisher = "Employee Benefit Research Institute",
 year = "1990",
 URL = "https://ci.nii.ac.jp/ncid/BA18419849"
}
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