https://ec.europa.eu/commission/presscorner/detail/en/ip_20_1968
https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/974507/20210331_-_CRED_Report_-_FINAL_-_Web_Accessible.pdf
https://pubs.aeaweb.org/doi/pdfplus/10.1257/jep.38.3.89
https://www.bancaditalia.it/media/approfondimenti/2019/pop-bari/approfondimenti-popBari.pdf