@article{donkor2019pension,
  title={Pension reforms, risk transfer and housing finance innovations},
  author={Donkor-Hyiaman, KA and P{\"a}rn, Erika Anneli and Owusu-Manu, D and Edwards, David J and Aigbavboa, Clinton},
  journal={Journal of Housing and the Built Environment},
  volume={34},
  pages={1149--1167},
  year={2019},
  publisher={Springer Netherlands}
}

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