?url_ver=Z39.88-2004&rft_id=10.1073%2Fpnas.1011942107&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.au=Podobnik%2C+Boris&rft.aufirst=Boris&rft.aulast=Podobnik&rft.title=Proceedings+of+the+National+Academy+of+Sciences&rft.volume=107&rft.issn=1091-6490&rft.pages=18325-18330&rft.issue=43&rft.atitle=Bankruptcy+risk+model+and+empirical+tests&rft.date=October+2010&rft.genre=article