https://eand.co/the-american-economy-is-imploding-and-america-is-too-e998d3cfb1d9?gi=4c14f0c19a3c
https://www.socialeurope.eu/becoming-like-germany-hurdles-and-dilemmas
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://wiiw.ac.at/the-labour-market-entry-and-integration-of-refugees-and-other-migrants-in-austria-dlp-6700.pdf