https://wwfeu.awsassets.panda.org/downloads/ets_revenues_report_2022___web___final.pdf
https://ecipe.org/wp-content/uploads/2022/11/ECI_22_OccPaper_D9DigPol_05_2022_LY04.pdf
https://theconversation.com/generation-z-may-not-need-mortgages-heres-why-221544