@misc{misc, title  = {{The UK's Finance Curse? Costs and Processes}},

 url = {{http://eprints.whiterose.ac.uk/143275/ }},

 year = {{2018}},

 month = {{10}},

 author = {{Baker A and Epstein G and Montecino J}},

 journal = {{SPERI report}},

 note = {{Accessed on 2024/09/20}}}