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I did. And no - it was not generated from a Core Banking system. It came from life. ASSETS Experience – accumulated across cycles (no depreciation applied) Credibility – built quietly, tested loudly Relationships – long-term investments with compounding returns Failures – reclassified from “Loss” to “Learning Reserve” Integrity – intangible asset, but highest market value Reputation – not marked-to-market, yet always under audit LIABILITIES Expectations – carrying cost rises

Don’t predict 2026. Navigate it. The market does not reward forecasters anymore. It rewards navigators. Prediction assumes stability. Navigation assumes change mid-journey. In 2026, conditions will shift without notice- liquidity tightens, consumer behaviour bends, regulations redraw lanes. Those waiting for clarity will wait too long. Navigators move differently. They read signals, not headlines. They adjust sails, not excuses. They don’t ask “What will happen?” They ask “Wh