https://single-market-economy.ec.europa.eu/system/files/2023-03/Study%202023%20CRM%20Assessment.pdf
https://www.smf.co.uk/wp-content/uploads/2024/04/Labour-Economics-April-2024.pdf
https://www2.deloitte.com/content/dam/Deloitte/us/Documents/process-and-operations/us-save-to-thrive.pdf
https://www.ben-evans.com/presentations