<?xml version="1.0" encoding="UTF-8"?><xml><records><record><source-app name="Biblio" version="7.x">Drupal-Biblio</source-app><ref-type>13</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">S. Mullainathan</style></author><author><style face="normal" font="default" size="100%">Schwartz, J.A.</style></author><author><style face="normal" font="default" size="100%">Bertrand, M.</style></author><author><style face="normal" font="default" size="100%">E. Shafir</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">The psychology of benefits decisions: An experiment with Flexible Spending Accounts</style></title></titles><dates><year><style  face="normal" font="default" size="100%">2012</style></year></dates><language><style face="normal" font="default" size="100%">eng</style></language></record></records></xml>