
https://www.unodc.org/res/WDR-2023/WDR23_Exsum_fin_SP.pdf

https://www.instituteforgovernment.org.uk/sites/default/files/publications/International-civil-service-effectiveness-index-July-17.pdf

https://theconversation.com/generation-z-may-not-need-mortgages-heres-why-221544