Https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5319938 https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5319938 https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5319938 https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5319938 https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5319938