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Prawitz, A. D., Garman, T., Sorhaindo, B., O’Neil, B., Kim, J., & Drentea, P. (2006). InCharge Financial Distress/Financial Well-Being Scale: Development, Administration, and Score Interpretation. Financial Counseling and Planning, 17, 34-50.
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2239338

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