Https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5310739 https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5310739 https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5310739 https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5310739