Credit crunch as AI fervor draws high, capital flows to USA in near term, OFX fails to capitalise and innovate owing to infighting in executive team, equity payments instead of direct payments taking money from shareholders over time through buybacks, and other direct transfers from the executives. Although I believe both the CFO and PHC are well suited to their roles, the lack of investment into development and people, as well as high rates of tool and company acquisition have led to massive friction and internal loss.