@article {Consumption2013,
title = {Consumption and Credit Constraints: A Model and Evidence for Ireland},
year = {2013},
url = {https://www.esri.ie/publications/consumption-and-credit-constraints-a-model-and-evidence-for-ireland},
author = {Gerlach-Kristen, Petra and Merola, Rossana},
journal = {ESRI Working Paper 471},
}