@techreport{Gan2004,
author = {Gan, L. and Gong, G. and Hurd, M. and McFadden, D.},
title= {Subjective mortality risk and bequests},
year = {2004},
doi = {10.3386/w10789},
publisher = {National Bureau of Economic Research},
institution = {NBER Working Paper 10789},
}