You need to pay close attention to your arguments being coherent from one question to the next. A better approach is to address both sides of an argument (i.e. pros and cons) 3. 8-10 solid sources/references and consider their views (you can cite more if you wish but not less). Limit your references to either academic journal articles (you can start your search in Web of Science or Scopus), or reports from various institutions such as the Basel Committee on Banking Supervision. 4. Using the Harvard Referencing Style.