@misc{misc, title  = {{Gambling and the Use of Credit: An Individual and Household Level Analysis}},

 url = {{https://doi.org/10.2139/ssrn.1570422 }},

 year = {{2010}},

 month = {{1}},

 author = {{Brown S and Dickerson A and McHardy J and Taylor KB}},

 doi = {{10.2139/ssrn.1570422}},

 note = {{Accessed on 2025/11/02}}}