https://www.eurofound.europa.eu/sites/default/files/ef_publication/field_ef_document/ef18002en.pdf
https://www.mckinsey.com/~/media/McKinsey/Industries/Financial%20Services/Our%20Insights/How%20insurance%20can%20prepare%20for%20the%20next%20distribution%20model/How-insurance-can-prepare-for-the-next-distribution-model-VF.pdf
https://ukandeu.ac.uk/our-economic-challenges-are-structural-borrowing-alone-wont-solve-them/?mc_cid=884875e416&mc_eid=815b1928ec
https://www.brookings.edu/techstream/how-global-tech-executives-view-u-s-china-tech-competition/