@article{Fertig2009,
author = {Fertig, M. and Schmidt, C.M. and Sinning, M.G.},
title= {The impact of demographic change on human capital accumulation},
year = {2009},
doi = {10.1016/j.labeco.2009.08.005},
volume = {16},
number = {6},
pages = {659--668},
}