https://theconversation.com/generation-z-may-not-need-mortgages-heres-why-221544
https://www.iwkoeln.de/fileadmin/user_upload/Studien/IW-Trends/PDF/2018/IW-Trends_2018-03-07_Unternehmensaufspaltungen.pdf?mc_cid=e15c2358cf&mc_eid=286ad5ef5f
https://ecipe.org/wp-content/uploads/2021/07/ECI_21_PolicyBrief_11_2021_LY03-2.pdf
https://www.thelancet.com/pdfs/journals/lancet/PIIS0140-6736(20)32290-X.pdf