https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5321115
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5321141
https://bit.ly/4lqw9Ou
https://bit.ly/3I0fN0l
https://id.carousell.com/p/https-papers-ssrn-com-sol3-papers-cfm-abstract-id-5321115-1377029385/
https://id.carousell.com/p/https-papers-ssrn-com-sol3-papers-cfm-abstract-id-5321141-1377029501/
