
https://fehradvice.com/blog/2023/10/23/vom-schlamm-zur-klarheit-eine-bessere-regulierung-als-schluessel-zu-effektiven-entscheidungen/

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

https://www.hrfn.org/wp-content/uploads/2017/05/20170530-Supporting-inclusive-movements-wellsprings.pdf