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<xml><bibliography><APA>Juthamas Kaewpijit. (2009) Debt Stress Happiness and the New Roles of Human Resource Development. &lt;i&gt;NIDA Development Journal&lt;/i&gt;, &lt;i&gt;49&lt;/i&gt;(3), 251-274.</APA><Chicago>Juthamas Kaewpijit. "Debt Stress Happiness and the New Roles of Human Resource Development". NIDA Development Journal  49 (2009):251-274.</Chicago><MLA>Juthamas Kaewpijit. Debt Stress Happiness and the New Roles of Human Resource Development. National Institute of Development Administration:ม.ป.ท. 2009.</MLA></bibliography></xml>
