Oluwatimileyin C. Adetunji, Sunday A. Adetunji, Opeyemi Aromolaran, Paul Ajayi, Oluwadamilare Afolabi. Capability Bundles, Policy Frictions, and Sales–Liquidity Divergence in Crisis: Evidence from the World Bank Business Pulse Surveys, 2020–21. JBMS. 2026;8(5):24-41. doi:10.32996/jbms.2026.8.5.2