Fintech

Peter H. Smith and The Concerned Shareholders of Fancamp Provide an Accurate Update on Petition Decision and Remind Shareholders of Management’s Entrenchment Patterns and Continued Destruction of Shareholder Value

Published

3 years ago

September 8, 2021

Reading Time: 7 minutes

Press Release issued on September 7th by the entrenched board and management is purposely deceitful as it portrays an incomplete picture of the decision rendered by the Supreme Court of British Columbia
Court reinforces voting record date must remain the same and notes the TSX Venture Exchange has required that Fancamp hold its AGM at least two clear business days before closing the ScoZinc Arrangement
Reminds Shareholders that the Entrenched Board and Management have consistently refused to hold the AGM in efforts to thwart shareholder democracy and continue to not announce a meeting date
Shareholders are urged to stop Management from further entrenchment and destruction of shareholder value by continuing to vote the GREEN form of proxy and to resist desperate inducements to change their votes
The Concerned Shareholders would like to thank the true owners of Fancamp for their tremendous support and patience to date and are confident enough votes have already been cast on GREEN to win the vote

Montreal, Quebec–(Newsfile Corp. – September 8, 2021) – Incumbent director of Fancamp Exploration Ltd. (“Fancamp” or the “Company”), Dr. Peter H. Smith, who, together with joint actors, James Hunter and his affiliates, Mark Fekete and Heather Hannan, (the “Concerned Shareholders”) hold in aggregate, directly and indirectly an aggregate of 22,285,597 shares, representing approximately 12.63% of Fancamp’s issued and outstanding common shares, want to update shareholders on recent events impacting the long overdue 2020 annual general meeting of shareholders (the “AGM”) originally scheduled for June 29, 2021, but delayed indefinitely by the incumbent directors and officers excluding Dr. Smith (the “Entrenched Board and Management”).

As noted previously, despite numerous requests made by Dr. Smith which were denied, Dr. Smith was compelled to file a petition with the Supreme Court of British Columbia (the “Court”) seeking 11 different orders. The Company ultimately consented to five orders, including an order that the record date for the AGM has been frozen at May 28, 2021. Hence, the shareholders, and shareholdings, authorized to vote at the meeting will not change. On September 3, 2021, the Court refused to grant an order for an independent chair at the AGM or to order that the AGM occur earlier than November 12, 2021 which was the date the Company submitted to the Court that it intended to hold the AGM. The court also refused to require that votes cast with QuickVote (which was used despite it being considered under general industry practice to be inappropriate for use in a disputed election) be recast noting that they comprise less than 1% of eligible votes. Additionally, the Court noted that the TSX Venture Exchange (the “Exchange”) has required that Fancamp hold its AGM at least two clear business days before closing the transaction with ScoZinc Mining Ltd. (“ScoZinc”, the “ScoZinc Arrangement”) and Dr. Smith can re-apply for further orders after the AGM if necessary. In effect the Court has maintained the status quo with respect to the AGM.

Shareholders are reminded that the Entrenched Board and Management have consistently refused to hold the AGM in a timely manner. A full 22 months has passed since the last annual general meeting and Fancamp stubbornly remains not in compliance with section 4 of Exchange Policy 3.2. with respect to the timing of annual general meetings. The AGM, as scheduled on June 29, 2021, was postponed indefinitely under an extension granted on May 27, 2021 by the BC Registrar of Companies under the pretext of issues related to the COVID-19 pandemic, prior to the filing of Dr. Smith’s petition to the court. In Fancamp’s September 7, 2021 press release it falsely states that the postponement was made necessary by Dr. Smith’s petition. In any event, the Court has settled this petition, so it is no longer an excuse to delay the AGM.

Aside from the issue of the long overdue AGM, shareholders are encouraged to review the annual Audited Annual Financial Statements and Management Discussion and Analysis (the “Annual Financial Statements”) filed August 30, 2021 on SEDAR for the fiscal year 2021. It has been a full year since Dr. Smith was forced to resign his position as CEO in favour of Rajesh Sharma in that role. The Annual Financial Statements provide information for the 12-month period ending April 30, 2021 and so it does not cover the full period of Mr. Sharma’s tenure as CEO. However, it does show that Mr. Sharma has failed to build any new value for shareholders. The share price has remained stagnant even though Fancamp recorded net income of $0.11 per share basic for the period. This extraordinary increase in net income is related mainly to unrealized gains on marketable securities ($15,007,544) and realized gains on the disposal of marketable securities ($6,833,369). These gains are almost entirely attributable to securities of Champion Iron Mines Ltd. (“Champion”) that were acquired directly due to actions undertaken by Dr. Smith on Fancamp’s behalf years before Mr. Sharma became involved with the Company.

Management and consulting fees have exploded to $564,084 for 2021 from $93,375 in the same period for 2020. For his part, the Annual Financial Statements show that Mr. Sharma has collected fees of $139,000 over a seven and half month period for approximately $18,500 per month. No details of his management contract are revealed in the Annual Financial Statements. Legal Fees are $739,836 for 2021 compared to $249,525 for 2020 due mainly to multiple frivolous civil suits launched by Fancamp against Dr. Smith. On the exploration side, no meaningful drilling, survey or assay results have been reported during Mr. Sharma’s tenure as CEO. Total exploration costs for fiscal 2021 amounted to only $430,492 with $193,470 (45%) of that described vaguely as “Engineering, Consulting and Sundry”. It is shocking that exploration costs for the 12-month period amounted to a mere 17% of total expenditures compared to 83% ($2,138,260) spent on general and administrative expenses.

The subsequent notes also cast doubt on the ability of the Entrenched Board and Management to fulfill their fiduciary duty to do what is best for the Company. The ScoZinc Arrangement continues to drain Fancamp with a secured loan agreement of $250,000 to ScoZinc executed on May 19, 2021, and outright cash payments to ScoZinc of $125,000 per month subsequently to obtain one month extensions for July and August. This is excessive considering that there is no guarantee that the ScoZinc Arrangement will close.

On May 12, 2021, KPMG International Ltd. was retained to launch a formal forensic investigation into the alleged misconduct of Dr. Smith and on May 14, 2021 Fancamp filed a civil claim in the British Columbia Supreme Court against Dr. Smith. Dr. Smith has produced documentation in accordance with the rules of court. Despite demand and in breach of the rules, the Company has yet to produce any documents to Dr. Smith in the BC action. Notably, it has also refused, despite requests, to provide particulars of the alleged self-dealing allegations made in the BC action. In the BC petition proceedings, KPMG advised that they had received over 100,000 documents and the only opinions they have been able to provide are that the Magpie transaction which is a basis for action occurred in 2007, has been disclosed since the 2008 audited financial statements and there is a discrepancy in the records as to whether shares were issued to Dr. Smith in consideration for past services or for agreeing to be a director. Moreover, despite that over 100,000 documents have been provided to KPMG, the Company proceeded with a duplicative proceeding the Quebec Superior Court to obtain technical and financial information belonging to the Company allegedly withheld by Dr. Smith. On August 6, 2021, the safeguard order was dismissed on the basis that there was no urgent need for any documents. Notably, the Company and its auditors were able to sign the audited financial statements without qualification based on the documents in their possession. Further, the Company completed its technical review with the documents in its possession. The only basis to continue to pursue Dr. Smith at the expense of the Company’s shareholders in these circumstances is to attempt to discredit him and bankrupt him in an effort to win the proxy fight.

On May 27, 2021, the day prior to the record date, the Entrenched Board and Management exercised recently issued incentive stock options for the purchase of a total of 10,200,000 common shares. Prior to this exercise they collectively held only 1.9% of the issued and outstanding shares of the Company.

On July 13, 2021, the Company announced that it had received a paltry $1.3 million in exchange for its 1.5% royalty interests in the O’Keefe-Purdy, Harvey-Tuttle, Bellechasse, Oil Can, Fire Lake North Consolidated, Peppler Lake and Moiré Lake iron-ore properties in the Fermont area of Quebec, and for its 100%-owned Lac Lamêlée iron-ore property in the same area under an agreement executed with Champion (the “Agreement”). The Annual Financial Statements state that under the Agreement “… certain future finite production payments [will be] payable once certain iron ore production thresholds have been reached…” Since royalty payments are by definition based on production, it appears Fancamp gave away rights to production payments that it already owned.

The Annual Financial Statements do not reflect disclosure contained in SEDI filings, that Ashwath Mehra a director of Fancamp and of Scozinc, purchased 22,000,000 shares of Fancamp from Champion on July 15, 2021 through ASTOR Management AG, a company that he controls. This transaction was done only two days after the Royalty Agreement between Fancamp and Champion closed. On July 19, 2021 Mehra, again through ASTOR Management AG, acquired an additional 6,668,000 to bring his beneficial ownership and control to 31,418,000 shares, representing 17.8% of the outstanding issued and outstanding share capital.

The interim first quarter financial statements for the three months ending July 31 are due to be filed by Fancamp by the end of September. These statements will likely reveal more misguided spending on administrative, directors fees and legal fees, no efforts to build value for shareholders and continued unwillingness to apply fiduciary duties to the Company above the self-interests of the Entrenched Board and Management. The easiest, quickest, most ethical and legal way to prevent this continued, massive hemorrhage of Company funds is to hold the long-overdue AGM. Fancamp cannot move forward until the festering issue of accountability of the board to shareholders is settled.

Shareholders are urged to stop the Entrenched Board and Management from further entrenchment and destruction of shareholder value by continuing to vote the GREEN form of proxy and to resist inducements to change their votes. The Concerned Shareholders would like to thank the true owners of Fancamp for their tremendous support and patience to date. This support comes from independent shareholders that are completely frustrated and totally disgusted by the unethical, corrupt and frantic entrenchment tactics employed for personal benefit over the interests of the Company.

Advisors

Farris LLP are acting as legal advisors to Dr. Peter Smith and Gryphon Advisors Inc., are acting as their strategic shareholder communications and proxy advisor. Gryphon’s responsibility will include providing strategic advice and advising the Concerned Shareholders with respect to the annual general meeting and proxy protocol.

The registered address of Fancamp is located at 3200 – 650 West Georgia Street, Vancouver, BC, V6B 4P7. The mailing and head office address of Fancamp is 7290 Gray Avenue, Burnaby, British Columbia V5J 3Z2. A copy of this press release may be obtained on Fancamp’s SEDAR profile at www.sedar.com.

For more information regarding the Concerned Shareholders’ position please contact:
Gryphon Advisors Inc.
Tel: 1-833-461-3651
Email: [email protected]

To view the source version of this press release, please visit https://www.newsfilecorp.com/release/95881

Fintech

Fintech Pulse: Daily Industry Brief – A Dive into Today’s Emerging Trends and Innovations

Published

1 day ago

November 21, 2024

Peter Tolan

fintech-pulse:-daily-industry-brief-–-a-dive-into-today’s-emerging-trends-and-innovations

The fintech landscape continues to redefine itself, driven by innovation, partnerships, and groundbreaking strategies. Today’s roundup focuses on the latest digital wallet offerings, evolving payment trends, strategic collaborations, and notable funding achievements. This editorial explores the broader implications of these developments, casting light on how they shape the future of fintech and beyond.

Beacon’s Digital Wallet for Immigrants: A Gateway to Financial Inclusion

Beacon Financial, a leading player in financial technology, recently launched a digital wallet tailored to meet the unique needs of immigrants moving to Canada. This offering bridges a critical gap, enabling seamless financial integration for newcomers navigating a foreign system.

By combining intuitive technology with user-centric features, Beacon aims to empower immigrants with tools for payments, savings, and remittances. This aligns with the growing demand for tailored financial products that resonate with specific demographics.

Op-Ed Insight:
Financial inclusion is more than just a buzzword; it’s a moral imperative in the fintech space. Products like Beacon’s digital wallet highlight the industry’s potential to create tangible change. As global migration trends increase, such offerings could inspire similar initiatives worldwide.

Source: Fintech Futures.

Juniper Research Highlights 2025’s Payment Trends

Juniper Research’s latest report unveils pivotal payment trends poised to dominate in 2025. Central themes include the adoption of instant payment networks, a surge in embedded finance solutions, and the rise of crypto-backed financial products.

The research underscores the rapid adoption of real-time payment systems, fueled by increasing consumer demand for speed and efficiency. Meanwhile, embedded finance promises to blur the lines between traditional banking and non-financial services, delivering personalized and context-specific solutions.

Op-Ed Insight:
As the lines between financial services and technology continue to blur, these trends emphasize the industry’s shift toward convenience and personalization. The growing role of crypto-based solutions reflects an evolving consumer mindset, where decentralization and digital-first experiences gain precedence.

Source: Juniper Research.

MeaWallet and Integrated Finance Partner to Revolutionize Digital Wallets

MeaWallet, a prominent fintech solutions provider, has partnered with Integrated Finance to advance digital wallet capabilities and secure card data access for fintech companies. This collaboration focuses on empowering fintechs to deliver better, safer digital payment experiences.

MeaWallet’s role as a technology enabler aligns seamlessly with Integrated Finance’s goal of simplifying complex financial infrastructures. Together, they aim to create scalable, robust platforms for secure payment solutions.

Op-Ed Insight:
Partnerships like this underscore the importance of collaboration in driving innovation. As security concerns grow in tandem with digital payment adoption, solutions addressing these challenges are essential for maintaining consumer trust. The fintech ecosystem thrives when synergy and innovation coalesce.

Source: MeaWallet News.

Nucleus Security Among Deloitte’s Fastest-Growing Companies

Nucleus Security has achieved a remarkable milestone, ranking 85th on Deloitte’s 2024 Technology Fast 500 list. This achievement is attributed to its robust cybersecurity solutions, which cater to the increasingly digital fintech environment.

With cyberattacks becoming more sophisticated, fintech companies are under immense pressure to safeguard their platforms. Nucleus Security’s growth reflects the rising demand for comprehensive, scalable security solutions that protect sensitive financial data.

Op-Ed Insight:
In a digital-first world, robust cybersecurity isn’t optional—it’s fundamental. The recognition of companies like Nucleus Security signals the growing importance of protecting fintech infrastructure as the industry scales globally.

Source: PR Newswire.

OpenYield Secures Funding to Transform the Bond Market

OpenYield has announced a successful funding round, aiming to revolutionize the bond market through innovative technology. The platform promises greater transparency, efficiency, and accessibility in fixed-income investments.

This funding underscores the growing appetite for digitizing traditionally opaque financial markets. By leveraging cutting-edge technology, OpenYield seeks to democratize bond investments, making them accessible to a broader audience.

Op-Ed Insight:
The bond market, long viewed as complex and inaccessible, is ripe for disruption. OpenYield’s efforts to modernize this space highlight fintech’s transformative potential to democratize finance and empower individual investors.

Source: PR Newswire.

Key Takeaways: Shaping the Future of Fintech

Today’s developments underscore several critical themes in the fintech landscape:

Personalization and Inclusion: Products like Beacon’s wallet highlight the importance of understanding and addressing specific user needs.
Collaborative Ecosystems: Partnerships, like that of MeaWallet and Integrated Finance, emphasize the power of collaboration in solving industry challenges.
Emerging Technologies: Juniper Research’s predictions affirm the continued influence of blockchain, embedded finance, and instant payment networks.
Security at the Core: The recognition of Nucleus Security underscores the essential role of cybersecurity in fintech.
Market Transformation: OpenYield’s funding signifies the ongoing disruption of traditional financial markets, paving the way for broader accessibility.

The post Fintech Pulse: Daily Industry Brief – A Dive into Today’s Emerging Trends and Innovations appeared first on News, Events, Advertising Options.

Fintech

Fintech Pulse: Industry Updates, Innovations, and Strategic Moves

Published

2 days ago

November 20, 2024

Peter Tolan

fintech-pulse:-industry-updates,-innovations,-and-strategic-moves

As fintech continues to reshape the global financial landscape, today’s briefing highlights pivotal developments, strategic expansions, and innovative launches across the industry. This op-ed explores the latest advancements with commentary on their potential impacts and challenges.

Finastra Data Breach: A Wake-Up Call for Fintech Security

Source: KrebsOnSecurity

The cybersecurity landscape is buzzing after Finastra, one of the largest financial technology providers globally, confirmed an investigation into a potential data breach. Reports suggest unauthorized access to its systems, raising concerns about data security across its client base, which includes thousands of banks and financial institutions worldwide.

Implications and Challenges

While the details of the breach remain sparse, this incident underscores a glaring vulnerability in the fintech sector—cybersecurity. As financial services increasingly rely on interconnected ecosystems, breaches like these threaten not only individual institutions but also the trust customers place in fintech platforms.

The key takeaway for the fintech industry is clear: proactive cybersecurity strategies must go beyond compliance. Real-time threat detection, robust encryption standards, and regular audits are no longer optional but essential for maintaining operational integrity.

Future Considerations

This breach could trigger a domino effect, prompting regulators to tighten security standards and requiring fintech companies to double down on investments in data protection. Startups and mid-tier players, often lacking extensive cybersecurity budgets, may face significant pressure to keep pace.

PayPal Resurrects Money Pooling Feature

Source: TechCrunch

In a bid to stay ahead of the competition, PayPal is reintroducing its Money Pooling feature, a popular tool that was discontinued in 2021. The feature allows users to pool funds collectively, catering to families, small businesses, and social groups.

Strategic Revival

This move reflects PayPal’s commitment to customer-centric innovation. By reinstating a feature beloved by its user base, the company seeks to reclaim market share lost to emerging competitors offering similar functionalities.

Broader Industry Impacts

Money pooling represents a broader trend in fintech—customized solutions that cater to niche needs. This reintroduction may inspire competitors like Venmo and CashApp to refine their collaborative payment offerings.

While this move strengthens PayPal’s ecosystem, its success will depend on seamless integration with existing services and robust fraud prevention mechanisms to avoid abuse of the feature.

Santander Expands Fintech Reach in Mexico

Source: Yahoo Finance

Santander is making waves in the Latin American fintech space with the launch of a dedicated fintech unit in Mexico. The initiative aims to capitalize on Mexico’s growing fintech adoption and digital payments market, valued at billions of dollars annually.

Strategic Significance

Santander’s expansion into Mexico highlights the region’s untapped potential. Latin America is a burgeoning market for fintech, driven by increasing smartphone penetration, a youthful demographic, and demand for accessible financial services.

Challenges on the Horizon

While Mexico offers immense opportunities, regulatory complexities and market competition from local players like Clip and Konfío pose significant challenges. Santander will need to blend its global expertise with local adaptability to succeed in this dynamic market.

2024 Global Fintech Awards: Spotlighting Excellence

Source: PRNewswire

Benzinga has announced the winners of the 2024 Global Fintech Awards, honoring companies and individuals driving innovation in financial technology. This year’s winners spanned categories like blockchain, artificial intelligence, and payment solutions.

Recognizing Industry Leaders

Awards like these highlight the collaborative spirit and entrepreneurial drive fueling fintech growth. Recognizing trailblazers not only motivates incumbents but also inspires startups to push the boundaries of innovation.

What It Means for the Ecosystem

The awards also bring attention to emerging technologies. Categories such as blockchain and AI signal the industry’s continued focus on leveraging cutting-edge tech for efficiency and scalability.

Commonwealth Central Credit Union Partners with Jack Henry

Source: FinTech Futures

Commonwealth Central Credit Union (CCCU) has announced a partnership with Jack Henry, a leading financial technology provider, for a comprehensive tech upgrade. The collaboration focuses on enhancing member experience through improved digital services.

Modernizing Member Experiences

Credit unions have often lagged behind major banks in adopting advanced digital solutions. By partnering with Jack Henry, CCCU aims to bridge this gap, offering members streamlined services such as mobile banking, automated lending, and personalized financial tools.

A Growing Trend

This partnership reflects a broader trend in the financial industry—credit unions and smaller banks embracing fintech to remain competitive. As customer expectations evolve, partnerships like this may become the norm rather than the exception.

Key Takeaways for the Fintech Industry

Cybersecurity is Critical: The Finastra breach underscores the need for robust security measures.
Innovation Drives Loyalty: PayPal’s revival of its Money Pooling feature highlights the importance of listening to customers.
Regional Opportunities: Santander’s expansion into Mexico showcases the untapped potential of emerging markets.
Recognition Matters: Awards like Benzinga’s provide valuable visibility for companies and individuals shaping the industry.
Partnerships Foster Growth: Collaborations between credit unions and fintech companies signify a trend towards modernized financial solutions.

The post Fintech Pulse: Industry Updates, Innovations, and Strategic Moves appeared first on News, Events, Advertising Options.

Fintech

Fintech Pulse: Milestones, Partnerships, and Transformations in Fintech

Published

3 days ago

November 19, 2024

Peter Tolan

fintech-pulse:-milestones,-partnerships,-and-transformations-in-fintech

The fintech sector continues its relentless drive toward innovation and market dominance. Today’s highlights include a record-breaking customer milestone for Revolut, groundbreaking fintech solutions for women in the EU, open entries for the PayTech Awards 2025, implications of political shifts on funding, and notable recognition at the US FinTech Awards.

Revolut Hits 50 Million Customers: A Global Fintech Giant’s Milestone

Source: Revolut

Revolut, the UK-based financial super app, has achieved a monumental feat: surpassing 50 million customers worldwide. This milestone underscores its position as a leader in the global fintech landscape, furthering its ambition to create the world’s first truly global bank.

Key to this success has been Revolut’s strategy of expanding its offerings, from banking to travel and crypto services, all within a seamless user experience. The company’s recent ventures into emerging markets such as Latin America and Asia demonstrate its intent to bridge financial services gaps while retaining competitive differentiation through technology.

This milestone is not just a triumph for Revolut but a signal of fintech’s capacity to redefine traditional banking. It reinforces the narrative that digital-first strategies, customer-centric innovation, and international scalability can challenge long-standing financial institutions.

PayTech Awards 2025: Celebrating Excellence in Innovation

Source: FinTech Futures

The PayTech Awards 2025 are officially open for entries, promising to spotlight the brightest minds and most innovative projects in the payment technology sector. These awards are a testament to the industry’s commitment to advancing secure, seamless, and scalable payment systems.

This year, the focus is on emerging technologies that redefine how businesses and consumers interact financially. Categories will recognize achievements across multiple domains, including sustainability in payments, AI-driven solutions, and partnerships that push boundaries.

As fintech companies prepare their entries, the awards provide a timely reminder of the sector’s ongoing evolution and the collaborative efforts required to achieve meaningful breakthroughs.

U.S. Politics and the Fintech Sector: A New Era of Funding?

Source: American Banker

The U.S. fintech sector might witness an infusion of optimism as speculation about a second Trump presidency gains momentum. The Trump-era policies of deregulation and venture capital encouragement are remembered as catalysts for unprecedented fintech growth during his first term.

While it remains uncertain how regulatory landscapes will shift, the possibility of a more relaxed approach toward fintech compliance could rejuvenate funding inflows. Investors and startups alike are watching closely, weighing the potential benefits against long-term risks tied to reduced oversight.

A politically charged backdrop often spells volatility, but for fintech, it may also spell opportunity. Preparing to adapt quickly will be crucial for startups and established players in the face of any regulatory pivot.

Klara AI and Unlimit: Addressing the €1.3 Trillion Female Economy

Source: FF News

Klara AI has teamed up with Unlimit to launch a fintech solution aimed at empowering women across the EU. This collaboration targets the €1.3 trillion female economy by addressing the unique financial needs of women entrepreneurs and consumers.

The solution promises to integrate AI-powered tools with streamlined financial management services, enabling users to access credit, manage investments, and scale businesses effectively. By tailoring services to the underserved female demographic, the partnership hopes to drive financial inclusion and support economic growth.

This initiative stands as a blueprint for fintechs exploring niche markets, proving that innovation tailored to specific segments can yield transformative results.

Autire: Accounting Tech of the Year at US FinTech Awards

Source: Business Wire

Autire, a rising star in financial technology, has been crowned ‘Accounting Tech of the Year’ at the US FinTech Awards 2024. The award recognizes Autire’s ability to blend cutting-edge AI with intuitive user interfaces, delivering unparalleled accounting solutions for businesses of all sizes.

Autire’s platform has gained traction for automating complex accounting tasks, ensuring compliance, and delivering actionable insights through real-time analytics. Its emphasis on reducing administrative burdens for SMEs has been particularly impactful, enabling entrepreneurs to focus on growth rather than bookkeeping.

The recognition not only cements Autire’s reputation but also highlights the role of AI-driven accounting solutions in reshaping business operations globally.

Final Thoughts: A Fintech Revolution in Full Swing

From customer milestones to policy-driven opportunities, the fintech ecosystem is in constant evolution. Revolut’s ascent to 50 million users signals growing consumer trust in digital platforms. The PayTech Awards continue to inspire innovation, while political shifts could redefine the regulatory landscape. Initiatives like Klara AI and Unlimit emphasize the power of targeted solutions, and companies like Autire show how niche technologies can achieve broad impact.

The next phase of fintech growth will likely hinge on inclusivity, adaptability, and innovation—pillars that today’s news stories exemplify.

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