14:48:47 これは非常に興味深い! https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4105763&fbclid=IwAR0lQzeYGohZ7tDYyljT7fORrq1XWo06sLfW0Z0uvAgp0-X-nO9YpehQ0cc" target="_blank" rel="nofollow">papers.ssrn.com/sol3/papers.cf…