https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3418003
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3459566
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3418003
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3459566