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<xml><bibliography><APA>Naowarat Kridech และ Montree Socatiyanurak. (2024) The development of a sustainable retirement savings model in an aging society. National Institute of Development Administration:ม.ป.ท.</APA><Chicago>Naowarat Kridech และ Montree Socatiyanurak. 2024. The development of a sustainable retirement savings model in an aging society. ม.ป.ท.:National Institute of Development Administration;</Chicago><MLA>Naowarat Kridech และ Montree Socatiyanurak.  The development of a sustainable retirement savings model in an aging society.  ม.ป.ท.:National Institute of Development Administration, 2024. Print.</MLA></bibliography></xml>
