@TechReport{economics.dp.2011-21,
 author = {Mughal, Mazhar and Diawara, Barassou},
 title = {Human Capital and the Adoption of Information and Communications Technologies: Evidence from Investment Climate Survey of Pakistan},
 type = {Economics Discussion Paper},
 institution = {Kiel Institute for the World Economy},
 year = {2011},
 number = {2011-21},
 url = {http://www.economics-ejournal.org/economics/discussionpapers/2011-21}
}