Badu, Yaw A., Kenneth N. Daniels, and Daniel P. Salandro. “An Empirical Analysis of Differences in Black and White Asset and Liability Combinations”. Financial Services Review 8, no. 3 (September 30, 1999): 129–147. Accessed November 23, 2024. https://openjournals.libs.uga.edu/fsr/article/view/3888.