1  Cf. Fergal McCann and Tara McIndoe-Calder. “Determinants of SME Loan Default: The Importance of Borrower-Level Heterogeneity,” Central Bank of Ireland Research Technical Paper 6RT12, September 2012.
Third, as the Berlin Wall fell and the Cold War ended, there were new, fundamental questions being asked about the direction of Europe – and who would hold sway within it. That created a powerful need for new European symbols that could tie people within a larger and more diverse Union.