@article{ref1,
title="Disability insurance for alcoholics",
journal="Journal of studies on alcohol",
year="1980",
author="Bulmer, D. R.",
volume="41",
number="3",
pages="352-356",
abstract="<p>[Abstract unavailable]</p><p>Language: en</p>",
language="en",
issn="0096-882X",
doi="",
url="http://dx.doi.org/"
}