@misc{GARCHRecord0010,
  title = {{Who Pays for Generative AI? Work, Household Budgets, and Subscription Demand}},
  author = {Yang, Fuli},
  year = {2026},
  url = {https://papers.ssrn.com/sol3/papers.cfm?abstract_id=7643078},
  howpublished = {SSRN}
}