https://www.imf.org/en/Publications/fandd/issues/2022/09/Bullet-train-Adrian-Mancini-Griffoli
https://towardsdatascience.com/analyzing-global-literacy-rates-data-in-r-88062f813ad2
https://blogs.lse.ac.uk/europpblog/2023/03/24/the-credit-suisse-crisis-and-the-contradictions-of-global-finance-three-fallacies-and-a-proposal/