https://knowledge.wharton.upenn.edu/article/endowment-effect-trading-decisions-are-observable-in-the-eyes-of-buyers-and-sellers/
https://www.naco.org/sites/default/files/documents/Analysis-of-COVID-19s-Impact-on-County-Finances-and-Implications-for-the-US-Economy.pdf
https://www.unodc.org/res/WDR-2023/WDR23_Exsum_fin_SP.pdf