https://www.fsb.org/wp-content/uploads/P131020-1.pdf
https://www.brookings.edu/wp-content/uploads/2018/07/Moulton-report-v2.pdf
https://data.consilium.europa.eu/doc/document/ST-14065-2022-INIT/en/pdf
https://towardsdatascience.com/getting-started-in-r-markdown-2d3de636bde3