http://ec.europa.eu/finance/docs/law/171011-communication-banking-union_en.pdf
https://www.suerf.org/docx/f_ec43638b66e16a5bbede9b710b12b0c7_32333_suerf.pdf
https://www.resolutionfoundation.org/app/uploads/2019/11/The-shape-of-things-to-come.pdf
https://pubs.aeaweb.org/doi/pdfplus/10.1257/jep.38.3.89