Title from title screen (viewed on Aug. 9, 2006). "Judith S. Ruud ... wrote the paper ..."--Pref. "May 2002."
Technical Details:
Mode of access: Internet from CBO web site. Address as of 8/9/06: http://www.cbo.gov/ftpdocs/34xx/doc3412/Banks.pdf; current access available via PURL.