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The authors declare no other competing interests.","order":3,"name":"Ethics","group":{"name":"EthicsHeading","label":"Conflict of interest"}},{"value":"This paper is a research collaboration between Ita\u00fa Unibanco and QC Ware. Any opinions, findings, conclusions or recommendations expressed in this material are those of the authors and do not necessarily reflect the views of Ita\u00fa Unibanco. This paper is not and does not constitute or intend to constitute investment advice or any investment service. It is not and should not be deemed to be an offer to purchase or sell, or a solicitation of an offer to purchase or sell, or a recommendation to purchase or sell any securities or other financial instruments. Moreover, all data used in this study is compliant with the Brazilian General Data Protection Law.","order":4,"name":"Ethics","group":{"name":"EthicsHeading","label":"Disclaimer"}}],"article-number":"27"}}