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The later you pay, the higher the "k":

, In: Southern economic journal / publ. by the Southern Economic Association, College of Business Administration, of Tennessee University. With financial support from Virginia Commonwealth University, School of Business, Department of Economics
Seidman, Laurence S.. (2003)  3 - p. 560-577
Exemplar:  Zentrale:Magazin Zs fc 6857; Zentrale:Magazin Zs fc 6857