@prefix bf: <http://id.loc.gov/ontologies/bibframe/> .
@prefix bflc: <http://id.loc.gov/ontologies/bflc/> .
@prefix rdf: <http://www.w3.org/1999/02/22-rdf-syntax-ns#> .
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
@prefix xsd: <http://www.w3.org/2001/XMLSchema#> .

<https://stage.bcld.info/instances/bac487ed-0301-495a-b158-3a255b3269fd> a bf:Instance ;
    bf:adminMetadata [ a bf:AdminMetadata ;
            bflc:catalogerId "Unknown" ;
            bf:date "2026-09-11" ;
            bf:descriptionAuthentication <http://id.loc.gov/vocabulary/marcauthen/pcc> ;
            bf:descriptionLanguage <http://id.loc.gov/vocabulary/languages/eng> ;
            bf:descriptionLevel <http://id.loc.gov/ontologies/bibframe-2-6-0/> ],
        [ a bf:AdminMetadata ;
            bf:agent <http://id.loc.gov/vocabulary/organizations/cbc> ;
            bf:date "2026-09-11T20:21:48.028715+00:00"^^xsd:dateTime ;
            bf:derivedFrom <http://id.loc.gov/resources/instances/16754619> ;
            bf:status <http://id.loc.gov/vocabulary/mstatus/c> ] ;
    bf:carrier <http://id.loc.gov/vocabulary/carriers/cd>,
        <http://id.loc.gov/vocabulary/carriers/cz> ;
    bf:identifiedBy [ a bf:Lccn ;
            rdf:value "  2011655960" ] ;
    bf:instanceOf <https://stage.bcld.info/works/f905a823-4424-4a36-9d93-6c523cc46b70> ;
    bf:issuance <http://id.loc.gov/vocabulary/issuance/mono> ;
    bf:media <http://id.loc.gov/vocabulary/mediaTypes/c> ;
    bf:note [ a bf:Note,
                <http://id.loc.gov/vocabulary/mnotetype/biblio> ;
            rdfs:label "Includes bibliographical references." ],
        [ a bf:Note,
                <http://id.loc.gov/vocabulary/mnotetype/addphys> ;
            rdfs:label "Also available in print." ],
        [ a bf:Note ;
            rdfs:label "Title from PDF file as viewed on 4/28/2011." ] ;
    bf:provisionActivity [ a bf:ProvisionActivity,
                bf:Publication ;
            bflc:simpleAgent "National Bureau of Economic Research" ;
            bflc:simpleDate "c2011" ;
            bflc:simplePlace "Cambridge, MA" ;
            bf:date "2011"^^<http://id.loc.gov/datatypes/edtf> ;
            bf:place <http://id.loc.gov/vocabulary/countries/mau> ] ;
    bf:publicationStatement "Cambridge, MA: National Bureau of Economic Research, c2011" ;
    bf:responsibilityStatement "Justine S. Hastings, Olivia S. Mitchell" ;
    bf:systemRequirement [ a bf:SystemRequirement ;
            rdfs:label "Mode of access: World Wide Web." ],
        [ a bf:SystemRequirement ;
            rdfs:label "System requirements: Adobe Acrobat Reader." ] ;
    bf:title [ a bf:Title ;
            bf:mainTitle "How financial literacy and impatience shape retirement wealth and investment behaviors" ] ;
    bf:usageAndAccessPolicy [ a bf:AccessPolicy ;
            bf:qualifier "Unrestricted online access" ] .