7Campbell, J. Y., and N.G. Mankiw(1987).."Permanent Income, Current Income, and Consumption", NBER Working Paper No. 2436.
8Campbell, J. Y. , and N.G. Mankiw(1989): "Consumption, Income, and Interest Rates:Reinterpreting the Time Series Evidence", NBER Working PaperNo. 2924.
9Carroll, C. D. ( 1992): "The Buffer-Stock Theory of Saving: Some Macroeconomic Evidence", Brookings Papers on Economic Activity, No. 2.
10Deaton, A. (1989) ."Saving and Liquidity Constraints",NBER Working Paper No. 3196.