You are looking on the quarterly reports. Income projections are strong. Your income team is firing on all cylinders. The marketplace is ripe for disruption. Then, the CIO walks in.   You ask, "How speedily can we start a fresh, individualized consumer loyalty app? Our competition are gaining ground."   https://johnnyfthte.blogchaat.com/39872236/your-biggest-aggressive-edge-is-hiding-as-part-of-your-server-area