
https://iea.org.uk/wp-content/uploads/2023/12/Dowd-Free-Banking-Interactive.pdf

https://www.brookings.edu/blog/the-avenue/2023/04/17/as-local-governments-finalize-their-american-rescue-plan-priorities-some-dollars-have-become-easier-to-spend/?utm_campaign=Brookings%20Brief&utm_medium=email&utm_content=255447676&utm_source=hs_email

https://apnews.com/article/pandemic-fraud-waste-billions-small-business-labor-fb1d9a9eb24857efbe4611344311ae78