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Saunders, P. (2011-04-20). Beyond low income: economic resources, financial hardship and poverty. In  (Ed.), Down and out: Poverty and exclusion in Australia. : Policy Press,. Retrieved 17 Oct. 2018, from http://www.universitypressscholarship.com/view/10.1332/policypress/9781847428394.001.0001/upso-9781847428394-chapter-3.