https://theconversation.com/generation-z-may-not-need-mortgages-heres-why-221544
https://www.dea.gov/sites/default/files/2023-03/DEA%20Foreign%20Review%20Report.pdf
https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID4092831_code1752653.pdf?abstractid=4092831&mirid=1
https://www.strategie.gouv.fr/sites/strategie.gouv.fr/files/atoms/files/eval_pauvrete_au_temps_du_covid-19_-_oct2021_-_19.10_002_0.pdf