https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4609895
https://wifpr.wharton.upenn.edu/wp-content/uploads/2023/10/P...
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4609895
https://wifpr.wharton.upenn.edu/wp-content/uploads/2023/10/P...