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<xml><bibliography><APA>C. และ Tshering Dorji. (2009) The Effects of Demographic, Investment, Rule and Contribution Factors on Pension Schemes in Bhutan. University of the Thai Chamber of Commerce:ม.ป.ท.</APA><Chicago>C. และ Tshering Dorji. 2009. The Effects of Demographic, Investment, Rule and Contribution Factors on Pension Schemes in Bhutan. ม.ป.ท.:University of the Thai Chamber of Commerce;</Chicago><MLA>C. และ Tshering Dorji.  The Effects of Demographic, Investment, Rule and Contribution Factors on Pension Schemes in Bhutan.  ม.ป.ท.:University of the Thai Chamber of Commerce, 2009. Print.</MLA></bibliography></xml>
