@misc{Robalino_David_A._Pensions_2005,
 author={Robalino, David A.},
 address={Washington},
 howpublished={online},
 year={2005},
 publisher={World Bank},
 title={Pensions in the Middle East and North Africa : time for change},
 keywords={emerytura, renta, system emerytalno-rentowy, Afryka Północna, Bliski Wschód},
}