https://www.hybridcoe.fi/wp-content/uploads/2021/07/20210709_Hybrid_CoE_Research_Report_2_Effective_state_practices_against_disinformation_WEB.pdf
https://cerre.eu/wp-content/uploads/2023/07/CERRE-Virtual-Worlds-Issue-Paper-0723.pdf
https://www.adb.org/sites/default/files/publication/754716/nonperforming-loans-asia-europe-causes-impacts.pdf