@Article{467097,
     author = "Sylwia Pieńkowska-Kamieniecka, Elżbieta Kucka",
     title = "Functioning of Employee Pension Programs in Warmia and Mazury Voivodship",
     year =  2008,
     volume =  3,
     number =  1,
     journal =  Olsztyn Economic Journal,
     pages =  s. 157-170,
    }