
https://theconversation.com/generation-z-may-not-need-mortgages-heres-why-221544

https://www.mckinsey.com/industries/public-and-social-sector/our-insights/covid-19-and-european-small-and-medium-size-enterprises-how-they-are-weathering-the-storm#

https://www-file.huawei.com/-/media/corp2020/seeds-for-the-future/pdf/competitions/2022/the%20future%20of%20digital%20skills%20in%20spain_en.pdf