@misc{misc, title  = {{9 1Ãâ·Ñ°æÏ finances are in a perilous state – it’s the result of market competition and debt-based expansion}},

 url = {{}},

 year = {{2024}},

 month = {{7}},

 author = {{Brackley J and Leaver A and Yates D}},

 note = {{Accessed on 2025/06/25}}}