@article{ cyree_pervasive_2003,
  title = {On the pervasive effects of Federal Reserve settlement regulations},
  volume = {85},
  url = {http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.198.833&rep=rep1&type=pdf},
  number = {2},
  urldate = {2013-08-16},
  journal = {{REVIEW-FEDERAL} {RESERVE} {BANK} {OF} {SAINT} {LOUIS}},
  author = {Cyree, Ken B. and Griffiths, Mark D. and Winters, Drew B.},
  year = {2003},
  pages = {27--46}
}

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