https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5298493
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5298572
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5298493
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5298572
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5298493
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5298572