Fitzpatrick, B. D., E. McWilliams, and D. B. Vicknair. “Evolving American Investing Attitudes: The Hybrid Shift In Mutual Fund Distribution”. Journal of Business & Economics Research (JBER), vol. 10, no. 11, Oct. 2012, pp. 613-22, doi:10.19030/jber.v10i11.7360.