@article{Hetzel2022,
  author    = {Jacob Hetzel},
  title     = {But this time it's different - the rise of the retail investor},
  journal   = {Efl insights : an elf - the Data Science Institute publication},
  volume    = {2022},
  number    = {1},
  pages     = {3 -- 3},
  year      = {2022},
}