<?xml version="1.0" encoding="UTF-8"?>
<xml><bibliography><APA>Phu และผู้แต่งคนอื่นๆ. (1999) Impacts of voluntary health insurance scheme on health care utilization in Vietam. Chulalongkorn University.:ม.ป.ท.</APA><Chicago>Phu และผู้แต่งคนอื่นๆ. 1999. Impacts of voluntary health insurance scheme on health care utilization in Vietam. ม.ป.ท.:Chulalongkorn University.;</Chicago><MLA>Phu และผู้แต่งคนอื่นๆ.  Impacts of voluntary health insurance scheme on health care utilization in Vietam.  ม.ป.ท.:Chulalongkorn University. 1999. Print.</MLA></bibliography></xml>
