
https://theconversation.com/generation-z-may-not-need-mortgages-heres-why-221544

https://www.politico.eu/wp-content/uploads/2020/05/EuropeanParliamentCivilLiabilityAI.pdf

https://cerre.eu/wp-content/uploads/2023/07/CERRE-Virtual-Worlds-Issue-Paper-0723.pdf