@article {647058,
	title = {"Which Early Withdrawal Penalty Attracts the Most Deposits to a Commitment Savings Account?"},
	journal = {Journal of Public Economics},
	volume = {183},
	year = {2020},
	pages = {104144},
	url = {https://doi.org/10.1016/j.jpubeco.2020.104144},
	author = {John Beshears and James J.Choi and Christopher Harris and David Laibson and Brigitte C. Madrian and Jung Sakong}
}
