@misc {IOPORT.70709515,
    author       = {O'shea, Karen and Crockett, Keeley A. and Bandar, Zuhair},
    title        = {Application of a semantic-based conversational agent to student debt management},
    howpublished = {FUZZ-IEEE, 1-7 (2010).},
    year         = {2010},
    doi          = {10.1109/FUZZY.2010.5584674},
    identifier   = {70709515},
}