@techreport{Clark2002,
author = {Tom Clark and Carl Emmerson},
title = {The tax and benefit system and the decision to invest in a stakeholder pension},
year = {2002},
month = {Aug},
volume = {pages},
doi = {10.1920/bn.ifs.2002.0028},
url = {http://www.ifs.org.uk/bns/bn28.pdf},
}