This seems to be a vastly lower estimate vs this one! https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3590771 https://papers.ssrn.com/sol3/papers.cfm?abstra

This seems to be a vastly lower estimate vs this one! https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3590771 https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3590771