https://theconversation.com/generation-z-may-not-need-mortgages-heres-why-221544
https://wiiw.ac.at/digital-tasks-and-ict-capital-methodologies-and-data-dlp-6429.pdf
https://ecipe.org/wp-content/uploads/2022/04/ECI_22_OccPaper_DMA-DSA-AI_03_2022_LY03.pdf
https://forestdeclaration.org/images/uploads/resource/2019NYDFReport.pdf