
https://www.eurofound.europa.eu/sites/default/files/ef_publication/field_ef_document/ef19045en.pdf

https://www.ey.com/en_pt/insights/insurance/how-the-retail-investment-strategy-aims-to-empower-eu-retail-investors

https://www.bruegel.org/sites/default/files/2025-08/how-is-innovation-competition-exacerbating-global-overcapacity%3F-11189_0.pdf