@inproceedings{sgem2012s23v3023,
  title = {THE MERGER BETWEEN UNIVERSITY-SCALE SAVINGS AND DE-SAVINGS},
  author = {Eugenia Grecu},
  booktitle = {SGEM International Multidisciplinary Scientific GeoConference EXPO Proceedings; SGEM2012 12th International Multidisciplinary Scientific GeoConference},
  year = {2012},
  pages = {},
  publisher = {Stef92 Technology},
  doi = {10.5593/sgem2012/s23.v3023}
}