Choose the correct in-text reference.
A. Economists think, “money is a rare commodity for poor people” Mishkin, (2013:120).
B. Economists think, “money is a rare commodity for poor people” (Mishkin, 2013:120).
C. Economists think, “money is a rare commodity for poor people”, (Mishkin, 2013:120).
D. Economists (Mishkin, 2013:120) think, “money is a rare commodity for poor people”.