@misc{Gumola-Kardas_Małgorzata._Change,
 author={Gumola-Kardas, Małgorzata.},
 howpublished={online},
 publisher={Wydawnictwo Politechniki Łódzkiej},
 language={eng},
 type={LUT monograph},
 type={electronic resource},
 title={Change management in a pension system: from theoretical considerations to empirical implications},
}