http://www.imf.org/external/np/seminars/eng/2015/secularstag/pdf/Venkateswaran.pdf
https://frc.org.uk/news/january-2018-(1)/investigation-into-the-audit-of-the-financial-stat
https://www.socialeurope.eu/2017/07/european-welfare-states-perform/
http://www.berkshirehathaway.com/letters/2017ltr.pdf