I have used National LM4120-4.096 references for years. 4mV /bit with 10 bit converters, 1mV /bit with 12 bit converters. 0.2% accuracy. I use those and 0.1% resistors in my voltage dividers. If you do oversampling, you can get within a few millivolts of a calibrated FLUKE DVM over a wide range.
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