@misc{misc, title  = {{The UK's finance curse? Costs and processes}},

 publisher = {{Sheffield Political Economy Research Institute (SPERI)}},

 url = {{https://eprints.whiterose.ac.uk/id/eprint/143275 http://speri.dept.shef.ac.uk/2018/10/05/uk-finance-curse-report/ }},

 year = {{2018}},

 month = {{10}},

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

 journal = {{SPERI report}},

 note = {{Accessed on 2025/12/05}}}