From 2b0df3d1006844cf3661497c66b5902e78d43e31 Mon Sep 17 00:00:00 2001
From: Felix Schulze <admin@schulze.network>
Date: Sat, 6 Dec 2025 19:59:03 +0100
Subject: [PATCH] quotes

---
 src/app/learn/home-bias-in-investing/page.tsx | 28 +++++++++----------
 src/app/learn/retire-at/[age]/page.tsx        |  2 +-
 .../learn/where-to-park-your-money/page.tsx   |  6 ++--
 src/app/page.tsx                              |  4 +--
 4 files changed, 20 insertions(+), 20 deletions(-)

diff --git a/src/app/learn/home-bias-in-investing/page.tsx b/src/app/learn/home-bias-in-investing/page.tsx
index 2678969..f61c514 100644
--- a/src/app/learn/home-bias-in-investing/page.tsx
+++ b/src/app/learn/home-bias-in-investing/page.tsx
@@ -175,7 +175,7 @@ export default function HomeBiasPage() {
         <h2 className="mt-16">Evidence & Further Reading</h2>
         <ul className="mb-6 list-disc space-y-2 pl-5">
           <li>
-            MSCI, “The Home Bias Effect in Global Portfolios” —{' '}
+            MSCI,&quot;The Home Bias Effect in Global Portfolios&quot; —{' '}
             <Link
               href="https://www.msci.com/research-and-insights/quick-take/did-home-bias-help"
               className="text-primary hover:underline"
@@ -186,7 +186,7 @@ export default function HomeBiasPage() {
             </Link>
           </li>
           <li>
-            Vanguard Research, “Global equity investing: The benefits of diversification” —{' '}
+            Vanguard Research,&quot;Global equity investing: The benefits of diversification&quot; —{' '}
             <Link
               href="https://www.vanguardmexico.com/content/dam/intl/americas/documents/mexico/en/global-equity-investing-diversification-sizing.pdf"
               className="text-primary hover:underline"
@@ -197,7 +197,7 @@ export default function HomeBiasPage() {
             </Link>
           </li>
           <li>
-            Sercu &amp; Vanpee (2012), “The home bias puzzle in equity portfolios” —{' '}
+            Sercu &amp; Vanpee (2012),&quot;The home bias puzzle in equity portfolios&quot; —{' '}
             <Link
               href="https://doi.org/10.1093/acprof:oso/9780199754656.003.0015"
               className="text-primary hover:underline"
@@ -208,8 +208,8 @@ export default function HomeBiasPage() {
             </Link>
           </li>
           <li>
-            Fisher, Shah &amp; Titman (2017), “Should you tilt your equity portfolio to smaller
-            countries?” —{' '}
+            Fisher, Shah &amp; Titman (2017),&quot;Should you tilt your equity portfolio to smaller
+            countries?&quot; —{' '}
             <Link
               href="https://doi.org/10.3905/jpm.2017.44.1.127"
               className="text-primary hover:underline"
@@ -220,7 +220,7 @@ export default function HomeBiasPage() {
             </Link>
           </li>
           <li>
-            Attig &amp; Sy (2023), “Diversification during hard times” —{' '}
+            Attig &amp; Sy (2023), &quot;Diversification during hard times&quot; —{' '}
             <Link
               href="https://doi.org/10.1080/0015198X.2022.2160620"
               className="text-primary hover:underline"
@@ -231,7 +231,7 @@ export default function HomeBiasPage() {
             </Link>
           </li>
           <li>
-            Blanchett (2021), “Foreign revenue: A new world of risk exposures” —{' '}
+            Blanchett (2021),&quot;Foreign revenue: A new world of risk exposures&quot; —{' '}
             <Link
               href="https://doi.org/10.3905/jpm.2021.1.237"
               className="text-primary hover:underline"
@@ -242,8 +242,8 @@ export default function HomeBiasPage() {
             </Link>
           </li>
           <li>
-            Anarkulova, Cederburg &amp; O’Doherty (2023), “Beyond the status quo: A critical assessment
-            of lifecycle investment advice” —{' '}
+            Anarkulova, Cederburg &amp; O’Doherty (2023),&quot;Beyond the status quo: A critical
+            assessment of lifecycle investment advice&quot; —{' '}
             <Link
               href="https://doi.org/10.2139/ssrn.4590406"
               className="text-primary hover:underline"
@@ -254,7 +254,7 @@ export default function HomeBiasPage() {
             </Link>
           </li>
           <li>
-            Goetzmann (2004), “Will history rhyme?” —{' '}
+            Goetzmann (2004),&quot;Will history rhyme?&quot; —{' '}
             <Link
               href="https://doi.org/10.3905/jpm.2004.442619"
               className="text-primary hover:underline"
@@ -265,7 +265,7 @@ export default function HomeBiasPage() {
             </Link>
           </li>
           <li>
-            Ritter (2012), “Is economic growth good for investors?” —{' '}
+            Ritter (2012),&quot;Is economic growth good for investors?&quot; —{' '}
             <Link
               href="https://doi.org/10.1111/j.1745-6622.2012.00385.x"
               className="text-primary hover:underline"
@@ -274,7 +274,7 @@ export default function HomeBiasPage() {
             </Link>
           </li>
           <li>
-            French (2022), “Five things I know about investing” —{' '}
+            French (2022),&quot;Five things I know about investing&quot; —{' '}
             <Link
               href="https://www.dimensional.com/us-en/insights/five-things-i-know-about-investing"
               className="text-primary hover:underline"
@@ -285,7 +285,7 @@ export default function HomeBiasPage() {
             </Link>
           </li>
           <li>
-            Bryan (2018), “World War 1 and global stock markets” —{' '}
+            Bryan (2018),&quot;World War 1 and global stock markets&quot; —{' '}
             <Link
               href="https://globalfinancialdata.com/world-war-1-and-global-stock-markets"
               className="text-primary hover:underline"
@@ -307,7 +307,7 @@ export default function HomeBiasPage() {
             </Link>
           </li>
           <li>
-            Merton (1973), “An intertemporal capital asset pricing model” —{' '}
+            Merton (1973),&quot;An intertemporal capital asset pricing model&quot; —{' '}
             <Link
               href="https://doi.org/10.2307/1913811"
               className="text-primary hover:underline"
diff --git a/src/app/learn/retire-at/[age]/page.tsx b/src/app/learn/retire-at/[age]/page.tsx
index 996a114..9eab66a 100644
--- a/src/app/learn/retire-at/[age]/page.tsx
+++ b/src/app/learn/retire-at/[age]/page.tsx
@@ -162,7 +162,7 @@ export default async function RetireAtPage({ params, searchParams }: RetireAtPag
               {age}.
             </p>
             <ul className="text-muted-foreground list-disc space-y-2 pl-5">
-              <li>Uses the classic “Rule of 25” (annual spend ÷ {withdrawalRate * 100}%)</li>
+              <li>Uses the classic&quot;Rule of 25&quot; (annual spend ÷ {withdrawalRate * 100}%)</li>
               <li>Assumes inflation-adjusted withdrawals and a diversified portfolio</li>
               <li>Refine the projection below with your exact savings, age, and market assumptions</li>
             </ul>
diff --git a/src/app/learn/where-to-park-your-money/page.tsx b/src/app/learn/where-to-park-your-money/page.tsx
index 85642e6..d7f7863 100644
--- a/src/app/learn/where-to-park-your-money/page.tsx
+++ b/src/app/learn/where-to-park-your-money/page.tsx
@@ -362,7 +362,7 @@ export default function ParkYourMoneyPage() {
         <h2 className="mt-16">Further Reading & Evidence</h2>
         <ul className="mb-6 list-disc space-y-2 pl-5">
           <li>
-            Vanguard Research, “Global equity investing: The benefits of diversification” —{' '}
+            Vanguard Research,&quot;Global equity investing: The benefits of diversification&quot; —{' '}
             <Link
               href="https://corporate.vanguard.com/content/dam/corp/research/pdf/global-equity-investing-benefits-diversification.pdf"
               className="text-primary hover:underline"
@@ -373,7 +373,7 @@ export default function ParkYourMoneyPage() {
             </Link>
           </li>
           <li>
-            MSCI, “The Home Bias Effect in Global Portfolios” —{' '}
+            MSCI,&quot;The Home Bias Effect in Global Portfolios&quot; —{' '}
             <Link
               href="https://www.msci.com/research-and-insights/quick-take/did-home-bias-help"
               className="text-primary hover:underline"
@@ -395,7 +395,7 @@ export default function ParkYourMoneyPage() {
             </Link>
           </li>
           <li>
-            Bogleheads “Three-Fund Portfolio” —{' '}
+            Bogleheads&quot;Three-Fund Portfolio&quot; —{' '}
             <Link
               href="https://www.bogleheads.org/wiki/Three-fund_portfolio"
               className="text-primary hover:underline"
diff --git a/src/app/page.tsx b/src/app/page.tsx
index 3d49c2f..f4748a0 100644
--- a/src/app/page.tsx
+++ b/src/app/page.tsx
@@ -123,7 +123,7 @@ export default async function HomePage({
             How This FIRE Calculator Provides Investing Insights
           </h2>
           <p className="mb-4 text-lg leading-relaxed">
-            Our interactive tool goes beyond a simple “25x annual spending” rule. It runs a{' '}
+            Our interactive tool goes beyond a simple&quot;25x annual spending&quot; rule. It runs a{' '}
             <strong>year-by-year simulation</strong> of your portfolio, combining:
           </p>
           <ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
@@ -294,7 +294,7 @@ export default async function HomePage({
                   >
                     Coast FIRE Calculator
                   </a>{' '}
-                  - When you “max out” early contributions but let compounding do the rest.
+                  - When you&quot;max out&quot; early contributions but let compounding do the rest.
                 </li>
                 <li>
                   <a