Fintech Confidential

DD3, Media

Entertaining information focused on Fintech industry insights, market trends, news, and life stories from Fintech leaders, thinkers, and doers.

  1. Can Culture Fix The Trillion Dollar Problem?

    -6 ДН.

    Can Culture Fix The Trillion Dollar Problem?

    Small businesses are owed over one trillion dollars in unpaid invoices. Host Tedd Huff the CEO of Voalyre a Fintech advisory firm and Founder of Fintech Confidential sits down with Prashant Fuloria, CEO of Fundbox, to discuss how embedded finance transforms working capital access for business owners managing teams of one or two while juggling payroll, invoicing, and growth decisions. Prashant left senior roles at Google, Facebook, and Yahoo to help solve this massive cash flow crisis affecting hundreds of thousands of entrepreneurs. This conversation covers how Fundbox embeds financing directly into platforms like QuickBooks and Stripe, eliminating lengthy applications and delivering instant capital when business owners need it most. Prashant explains why leadership culture drives sustainable growth, how daily team huddles prevent executive isolation, and why transparent partnerships built on trust outperform traditional direct marketing. The episode reveals practical strategies for scaling fintech platforms while serving underserved small businesses with flexible, responsible lending. 1️⃣ Use continuous platform integrations that monitor business health in real time and automatically adjust credit offers as revenue grows. 2️⃣ Remove lengthy forms by using existing platform data from accounting software or payment processors to complete underwriting instantly. 3️⃣ Access immediate capital when trucks break down or equipment fails without waiting for traditional loan approval timelines. 4️⃣ Structure financing to align with actual cash flow patterns rather than rigid monthly schedules that ignore seasonal business cycles. 5️⃣ Embed financing into industry-specific software platforms to create a one-stop experience where owners never juggle multiple logins. Get more at Fintech Confidential.com Guest Prashant Fuloria LinkedIn: https://www.linkedin.com/in/prashant-fuloria/ Company Fundbox Website: https://fundbox.com/ LinkedIn: https://www.linkedin.com/company/fundbox/ X: https://x.com/Fundbox YouTube: https://www.youtube.com/@Fundboxcom Fintech Confidential Youtube: https://youtube.com/@fintechconfidential Podcast: https://fintechconfidential.com/listen Newsletter: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential Supporters Under: Streamlines application and underwriting with digital form processing. https://under.io/ftc Skyflow: Zero-trust data privacy vaults as an API to secure and tokenize personal information. https://skyflowsecure.com Dfns: Wallets as a service secured with MPC; powers crypto payments across 50+ networks. https://fintechconfidential.com/dfns Hawk AI: Real-time screening and ML monitoring to strengthen fraud and financial-crime prevention. https://gethawkai.com About Prashant Fuloria is CEO of Fundbox, a product and technology leader with 25+ years of experience building platforms at Google, Facebook, and Yahoo. At Fundbox he has supported more than 500,000 SMBs and unlocked over $5 billion in working capital. Fundbox is an embedded working capital platform built for SMBs using accounting, payments, and vertical SaaS tools. By integrating with QuickBooks, FreshBooks, and other platforms, Fundbox provides fast, flexible credit using AI-powered underwriting and real-time data. Tedd Huff is Founder of Voalyre, a fintech advisory firm, and host of Fintech Confidential. Over 25+ years, he has contributed to

    52 мин.
  2. How Regulators and Banks Completely Reshaped Crypto Rules in September 2025

    31 ОКТ.

    How Regulators and Banks Completely Reshaped Crypto Rules in September 2025

    Bitcoin hit $116K before $3.45 billion in liquidations while stablecoins transferred a record $15.6 trillion with bots executing 70% of that volume. Host Tedd Huff, CEO of Voalyre, and BakerHostetler Partner Robert Musiala break down what happened in crypto this month and why it matters to your business now. The SEC issued two major no action letters creating roadmaps for DePIN networks and state bank custody while Treasury opened a 58 question comment period closing October 20th on Genius Act implementation. The Wolfsburg Group published global AML guidance requiring banks to know their customer’s customer when serving stablecoin issuers as nine European banks formed a consortium to launch a MICA compliant Euro stablecoin by 2026. Market fragmentation accelerates as purpose built stablecoins target specific communities while USDT and USDC slip to 84% combined share despite growing absolute volumes. Security threats remain the biggest adoption risk even as regulatory clarity emerges. Learn the five moves compliance and product teams should make today: display fees before sends, segment use cases by ecosystem, publish clear redemption rules, run cross chain incident drills, and build a one page control map that speeds both sales cycles and audits. If you manage risk, product, or finance in payments or crypto, this episode gives you the regulatory context and practical steps to act without waiting for Congress. LINKS Confidential Informant: Robert A. Musiala Jr., LinkedIn: https://www.linkedin.com/in/robert-a-musiala-jr-esq-cfcs-b6534bb/ Firm Profile: https://www.bakerlaw.com/professionals/robert-a-musiala-jr/ The Blockchain Monitor: https://www.theblockchainmonitor.com/ BakerHostetler: https://www.bakerlaw.com/ Fintech Confidential YouTube: https://fintechconfidential.com/watch Podcast: https://fintechconfidential.com/listen Notifications: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://X.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential SUPPORTERS Dfns: Wallets as a service with API-first, multi-chain design secured with MPC; powers crypto payments across 50+ networks. Request demo: https://fintechconfidential.com/dfns Skyflow: Zero-trust data privacy vaults as an API to collect, secure, and tokenize personal information while keeping compliance and usability. Learn more: https://skyflowsecure.com Hawk AI: Real-time screening, ML monitoring, and dynamic customer risk ratings to strengthen fraud and financial-crime prevention. Sign up for demo: https://gethawkai.com ABOUT Confidential Informant: Robert Musiala has worked in the crypto assets market since 2012. He has led major investigations, advised on compliance and product agreements across Web3 and NFTs, and co-leads BakerHostetler’s Web3 and assets team. He also authors The Blockchain Monitor with weekly legal insights. BakerHostetler: A U.S. law firm advising clients from startups to Fortune 500 on blockchain-related matters, policy, compliance, and risk. Host: Tedd Huff is Founder & CEO of Voalyre and DD3 Media and hosts Fintech Confidential, bringing clear, practical conversations on how money moves. DD3 Media: A media creation, management, and production company delivering engaging fintech and Web3 content. Chapters 00:00 Highlights 01:17 Dfns - Wallets as a Service (sponsor) 02:38 Kickoff 03:48 Lightning Round: Bitcoin and majors 05:15 Lightning Round: XRP, memecoins, staking pressure 06:28 Layer1 - Layer2 top News 07:29 Stable Coin Top News 09:02 Regulatory Landscape 11:38 Secuity Threats and Compliance 19:12 Bots = ~70% of the $15.6T stable coin...

    45 мин.
  3. How to Make Compliance Your Secret Growth Weapon

    22 ОКТ.

    How to Make Compliance Your Secret Growth Weapon

    Building a successful fintech consulting firm without venture capital requires more than industry knowledge. It demands a willingness to sacrifice, a clear understanding of what customers need, and the ability to treat compliance as a commercial function rather than a cost center. Tedd Huff founder & CEO of Voalyre a fintech advisory firm sits down with Jas Randhawa, founder and CEO of Strategybrix, a compliance consulting firm that serves high-growth fintechs, exchanges, and partner banks. The discussion covers the hard lessons learned from bootstrapping, the common mistakes fintech founders make, and why approaching compliance strategically can unlock growth rather than block it. Jas spent over 20 years working with major banks like Citibank, JP Morgan, Deutsche Bank, and HSBC. His background as a computer science engineer gave him an inside view of how compliance systems work, from KYC and onboarding to transaction monitoring and fraud detection. Takeaways:1️⃣ Prepare budget negotiations with specific numbers and risk examples so you walk in ready to win. 2️⃣ Replace compliance roadblocks with conditions for approval that define the guardrails needed to say yes safely. 3️⃣ Audit your onboarding flow against competitors to remove unnecessary friction that causes customer drop-off. 4️⃣ Create a one-page explainer showing how your AI compliance tools process data and produce outputs for regulators. 5️⃣ Build a trusted advisor network and schedule calls this week to validate major hiring and spending decisions. Links:Jas Randhawa: https://www.linkedin.com/in/randhawajas Strategybrix: https://www.strategybrix.com https://www.linkedin.com/company/strategybrix Fintech Confidential: Podcast: https://fintechconfidential.com/listen Newsletter: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential Supporters:Under: Streamlines application and underwriting with digital form processing. https://under.io/ftc Skyflow: Zero-trust data privacy vaults as an API to collect, secure, and tokenize personal information while keeping compliance and usability. https://skyflowsecure.com Dfns: Wallets as a service with API-first, multi-chain design secured with MPC; powers crypto payments across 50+ networks. https://fintechconfidential.com/dfns Hawk AI: Real-time screening, ML monitoring, and dynamic customer risk ratings to strengthen fraud and financial-crime prevention. https://gethawkai.com About:Jas Randhawa is the Managing Partner at StrategyBRIX, a boutique Risk and Compliance Consulting firm. Before StrategyBRIX, Jas was the Head of Financial Crimes and Compliance at leading fintechs, including Stripe and Airwallex. In addition, at PwC, Jas built and led the firm's Financial Crimes practice across the US West Coast. He has over 18 years of experience building and managing programs in the Compliance space. StrategyBRIX is a boutique consulting firm specializing in risk and compliance management for fintechs, crypto platforms, and digital banks. Founded in 2021, the firm helps organizations build sustainable financial crime compliance programs that balance regulatory rigor with operational efficiency. Tedd Huff is the Founder of Voalyre, a professional services advisory firm focused on global payments. He is also a video podcast host and executive producer on the Fintech Confidential network. Over the past 25 years, he has contributed to FinTech startups as an Advisory Board Member, Co-Founder, and Chief Experience Officer. DD3 Media is...

    1 ч. 8 мин.
  4. Why 98% of B2B Payments Still Fail at the Human Level

    14 ОКТ.

    Why 98% of B2B Payments Still Fail at the Human Level

    Duncan Barrigan left his high-profile Chief Growth Officer role at GoCardless, a $2.2 billion payments platform, to solve what he calls the biggest challenge in financial technology: broken B2B payments. This $70 trillion market is stuck, with 98% of B2B payments handled by outdated, manual processes. Rideshare giants deploy 50-person teams just to manage accounts receivable, exposing an enormous need for modern payment processing solutions. Manual tasks and communication breakdowns are costing companies millions in wasted time. The core issue isn’t just sending or receiving money—it’s the chaos and disputes that slow down invoice payments and paralyze AP teams. Duncan saw that true progress means automating the entire workflow. Using the power of AI and AP automation, Lunos builds agents that handle accounts receivable at scale. These AI-powered tools negotiate, track, and resolve payment disputes without errors, never missing a detail, and supporting efficient electronic payments for modern businesses. 1️⃣ Start with monitor mode first to build trust and understand AR patterns before advancing to suggest or act modes. 2️⃣ Prevent disputes through real-time records instead of tracking payment promises in weekly spreadsheet downloads. 3️⃣ Let email handle customer communication rather than forcing customers onto new portals that create friction. 4️⃣ Use relationship-specific data for forecasting instead of broad machine learning patterns across different companies. 5️⃣ Integrate like a human worker by connecting with existing ERPs, CRMs, and communication tools without forcing massive changes. GUEST Duncan Barrigan LinkedIn: https://www.linkedin.com/in/duncanbarrigan/ LUNOS Website: www.lunos.ai LinkedIn: https://www.linkedin.com/company/lunos-ai/ FINTECH CONFIDENTIAL Podcast: https://fintechconfidential.com/listen Newsletter: https://fintechconfidential.com LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential SUPPORTERS Under - Streamlines application and underwriting with digital PDF processing - https://under.io/ftc Skyflow - Zero trust data privacy vault with simple API calls - https://skyflowsecure.com Hawk - AI tools for real-time fraud detection and transaction monitoring - https://gethawkai.com ABOUT Duncan Barrigan is a technology entrepreneur and executive. He's the Founder and CEO of Lunos, the AI partner that manages receivables just like you would. Well, how you would if you worked on it 24/7, never forgot anything and read every message ever sent to you - you get the idea. He has spent more than a decade helping businesses get paid, previously as Chief Product Officer and Chief Growth Officer at GoCardless for eight years, playing a leading role in its rise from a UK-based direct debit provider to a global bank payments unicorn worth $2.2bn, with revenue growing for $1m to well over $100m ARR. Prior to that he worked as a consultant, leading projects advising PE & VC clients on fintech and financial services M&A and strategy at Oliver Wyman. He has an MA in Natural Sciences from the University of Cambridge. Lunos is an AI-powered accounts receivable platform that integrates with enterprise systems to automate tracking, communication, and resolution of unpaid invoices. The system operates like a human AR agent, managing customer interactions and adapting to responses in real time. Tedd Huff is the Founder of Voalyre a professional services and Advisory firm focused on global payments and banking. He is also a video podcast host and executive producer on the Fintech Confidential...

    36 мин.
  5. First US Bank Integrates Bitcoin Lightning Network

    6 ОКТ.

    First US Bank Integrates Bitcoin Lightning Network

    The web3, cryptocurrency and blockchain markets moved fast in August 2025 and we’re covering Bitcoin’s rise, Wyoming’s state-backed coin, SoFi joining the Lightning Network, and Circle’s new Layer 1. Host Tedd Huff teams up with Confidential Informant: Robert Musiala to unpack the GENIUS Act, stablecoin rules, bank use of Lightning, market structure, compliance shifts, custody standards, and global licensing moves that shaped August. You get what changed, why it matters now, and how to apply it. You get a clear read on why Bitcoin strength ties to supply behavior, how monthly reserve disclosures affect stablecoin design, and why a bank’s Lightning rollout cuts payment friction. The episode also covers risk programs moving to dynamic monitoring, custody standards that require segregation and clean recovery plans, and how Hong Kong licensing impacts cross-border builds. TAKEAWAYS1️⃣ Document Developer Programming Decisions 2️⃣ Monitor Wyoming’s FRNT Ten Billion Threshold 3️⃣ Assess EVM Compatibility Standards: 4️⃣ Prepare for Supervisory Examinations 5️⃣ Leverage Custody Guidance Roadmaps  LINKSConfidential Informant: Robert A. Musiala Jr., LinkedIn: https://www.linkedin.com/in/robert-a-musiala-jr-esq-cfcs-b6534bb/ Firm Profile: https://www.bakerlaw.com/professionals/robert-a-musiala-jr/ The Blockchain Monitor: https://www.theblockchainmonitor.com/ BakerHostetler: https://www.bakerlaw.com/ Fintech Confidential YouTube: https://fintechconfidential.com/watch Podcast: https://fintechconfidential.com/listen Notifications: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://X.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential SUPPORTERSDfns: Wallets as a service with API-first, multi-chain design secured with MPC; powers crypto payments across 50+ networks. Request demo: https://fintechconfidential.com/dfns Skyflow: Zero-trust data privacy vaults as an API to collect, secure, and tokenize personal information while keeping compliance and usability. Learn more: https://skyflowsecure.com Hawk AI: Real-time screening, ML monitoring, and dynamic customer risk ratings to strengthen fraud and financial-crime prevention. Sign up for demo: https://gethawkai.com ABOUTConfidential Informant: Robert Musiala has worked in the crypto assets market since 2012. He has led major...

    1 ч. 2 мин.
  6. 5 BIG Mistakes in Identity Verification That Are KILLING Your Revenue

    16 СЕНТ.

    5 BIG Mistakes in Identity Verification That Are KILLING Your Revenue

    Fraud costs are climbing and fintech leaders face pressure to onboard customers faster while keeping trust intact. Host Tedd sits down with Ravi, a fintech veteran and CEO of KYXStart.AI, to break down how identity verification has shifted from a back-office task into a true growth driver. This conversation tackles the reality that fraudsters now use deepfakes, synthetic identities, and AI-built scams while many companies still rely on outdated methods like scanning licenses. Ravi shares how the right approach can reduce onboarding time by 80%, cut fraud rates by 60%, and boost revenue by 20%. The insights go beyond security to show how stronger data, smarter compliance, and customer-focused design actually increase revenue. TAKEAWAYS1️⃣ Rethink Compliance As StrategyUse compliance frameworks as tools to strengthen trust, open new markets, and support onboarding that scales growth. 2️⃣ Use Contextual Identity SignalsGo beyond static IDs. Add phone, banking, and social signals to improve accuracy and cut false positives. 3️⃣ Design Teams Around Curiosity Build teams that question, test, and adapt. Curiosity drives better fraud defenses and stronger customer experiences. 4️⃣ Adopt Continuous Verification Models Move past one-time checks. Continuous verification keeps accounts secure, reduces fraud risks, and maintains trust. 5️⃣ Prioritize Deterministic Over Predictive Choose deterministic checks for clear, real-time answers that deliver faster approvals and stronger compliance. LINKS:Guest: Ravi Bijlani LinkedIn: https://www.linkedin.com/in/ravibijlani/ Company Website: https://kyxstart.ai Company LinkedIn: https://www.linkedin.com/company/kyxstart/ X: https://x.com/KYXStart_Ai YouTube: https://youtu.be/meoKNa_C67A Fintech Confidential Podcast: https://fintechconfidential.com/listen Newsletter: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential SUPPORTERS:Under - Streamlines application and underwriting with digital PDF processing - https://under.io/ftc Skyflow - Zero trust data privacy vault with simple API calls - https://skyflowsecure.com Hawk - AI tools for real-time fraud detection and transaction monitoring - https://gethawkai.com ABOUT:Guest: Ravi Bijlani is the Founder & CEO of KYXStart.AI with more than 25 years in fintech. He previously served as GM at Equifax and Prove Identity. Ravi is an investor in SingularKey (acquired by Ping Identity) and holds multiple patents. He earned an MBA from Georgia Tech with Summa Cum Laude honors. KYXStart.AI is a global identity verification platform that offers AI-powered verification, fraud detection, and compliance solutions. It is designed to improve match rates, reduce costs, and streamline onboarding with real-time data across more than 200 countries. Host: Tedd Huff is CEO and Founder of Voalyre, a fintech advisory firm, and the host and executive producer of the FinTech Confidential network. With 25+ years in payments and fintech, Tedd has served as an advisor, co-founder, and executive, driving growth and simplifying global payment systems. DD3 Media is a media creation, management, and production company focused on delivering engaging content globally. CHAPTERS:00:00 Highlights 01:38 Under Sponsor 02:43 Welcome Ravi 04:47 Getting Into FinTech 06:29 Identity Verification Today 08:54 Evolution of Identity 11:05 Friction vs Security 18:27 Skyflow Sponsor 19:29 Market...

    1 ч. 2 мин.
  7. Can America Really Become the Crypto Capital of the World?

    30 АВГ.

    Can America Really Become the Crypto Capital of the World?

    July 2025 marked when America officially positioned itself to become the crypto capital of the world. Tedd Huff and Rob Musiala break down the historic Genius Act, the White House digital assets report, and record $5.3 billion in monthly crypto funding. From Circle and Ripple chasing bank charters to Europe's USDG stablecoin launch, this episode covers how regulatory clarity triggered the biggest infrastructure shift in Web3 history. The regulatory uncertainty that kept institutional capital on the sidelines has vanished. Banking intermediaries face elimination as stablecoin issuers go direct to federal charters. International competitive pressure mounts as European regulators worry about digital dollarization risks. Meanwhile, Bitcoin hit $123,000, Ethereum corporate holdings surged 127%, and Coinbase posted a 6200% increase in average trading volume year over year. Key Takeaways: 1️⃣ Genius Act creates first US cryptocurrency law with clear payment stablecoin framework 2️⃣ Circle filed for National Digital Currency Bank charter while Ripple pursues Fed master account access 3️⃣ Europe launched USDG under MICA regulation to counter US dollar stablecoin dominance 4️⃣ Rex Osprey launched first US ETF combining Solana spot exposure with on-chain staking rewards 5️⃣ S&P Dow Jones partnered with Centrifuge to tokenize the entire S&P 500 index Links:Guest: Robert Musiala LinkedIn: https://www.linkedin.com/in/robert-musiala/ Robert Musiala Baker Hostetler: https://www.bakerlaw.com/people/robert-musiala Blockchain Monitor: https://www.blockchainmonitor.com/ Company: Baker Hostetler Website: https://www.bakerlaw.com/ Web3 & Digital Assets Team: https://www.bakerlaw.com/practices/web3-digital-assets Fintech Confidential: YouTube: https://youtube.com/@fintechconfidential Podcast: https://fintechconfidential.com/listen Newsletter: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential Supporters: Dfns provides wallets as a service with API-first, multi-chain design secured with MPC technology, powering crypto payments for major financial institutions across 50+ blockchains. Request demo: https://fintechconfidential.com/dfns SkyFlow delivers zero-trust data privacy vaults as an API, helping you collect,...

    1 ч. 9 мин.
  8. The #1 Reason WSAA's Relationships Are STRONGER Than Ever

    19 АВГ.

    The #1 Reason WSAA's Relationships Are STRONGER Than Ever

    [Guest Name] is the [Title] of the [Company Purpose/offering] company [CompanyName]. [Pronoun] shares [short summary of the episode]. Three essential items that we dive into. 1️⃣ [Item 1] 2️⃣ [Item 2] 3️⃣ [Item 3] Also, watch the entire episode on youtube. [link here] Links:[Company Name] Website: Linkedin: Facebook: Instagram: Twitter: Youtube: Fintech Confidential YouTube: https://fintechconfidential.com/watch Podcast: https://fintechconfidential.com/listen Notifications: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential Twitter: https://twitter.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential Supporters Support is provided by MPC 2023, the premier event for fintech leaders. This is your chance to shake hands and rub shoulders with the world's top experts in payments, loyalty, blockchain, digital currencies, cybersecurity, consumer privacy, and other emerging fintech solutions connecting you directly with the future of commerce. If you haven't already, mark your calendars for August 23rd through the 25th and join me and Fintech Confidential at the Westin Atlanta Perimeter North. When you sign up for FinTech confidential notifications, you will receive a discount from $50 to 100% off. Or use this link for $50 of registration. https://mpcevent.com/FTC50 Time Stamps:[insert timestamps from transcript] This is a Production of Diamond D3, Media ABOUT: [Guest Name]: [Guest Bio] [Company Name] : [Company info] Tedd Huff: Tedd Huff is the Co-Founder of Voalyre, and the President & Founder of Diamond D3, a professional services consulting firm focused on global payments and marketing. He is also a video podcast host and producer of Fintech Confidential. Over the past 24 years, he has contributed to FinTech startups as an Advisory Board Member, Co-Founder, and Chief Experience Officer, providing strategic and tactical direction for Global Payments OpenEdge, Heartland Payments, Nuvei, and TSYS, among others, focusing on growth while delivering innovation, process improvements and user experience-driven value to simplify the complexity of payments. Diamond D3, Media: A media creation, management, and production company delivering engaging content globally

    37 мин.
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Entertaining information focused on Fintech industry insights, market trends, news, and life stories from Fintech leaders, thinkers, and doers.

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