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CDL named in global InsurTech 100

Tech

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27/10/2022

CDL has been included in the elite InsurTech 100 list of the most innovative organisations in the insurance industry worldwide.

Compiled by data and research firm, FinTech Global, the InsurTech 100 was selected by a panel of industry experts, who analysed market and company data before announcing the final cut. Those successful demonstrate considerable business growth, the innovative use of technology to solve an industry problem, and cost and efficiency improvements across the insurance value chain.

CDL has been recognised for pioneering technologies supporting high-volume transactions for many of the most successful insurance brands in the world’s most sophisticated personal lines market. This includes investing significantly in building a blueprint for a global insurance ecosystem to deliver data-driven insurance experiences, harnessing proactive technology.

Over the past year, a key goal was to support insurance providers to grow their policy portfolio with consumers, with CDL’s Proactive Insurance proposition helping insurance retailers to strengthen relationships with consumers by making intelligent product recommendations. There were high-profile deployments for new and longstanding customers, such as Pukka Services and telematics specialists, GoShorty and Carrot Insurance.

CDL secured Amazon Web Services (AWS) Financial Services ISV Competency status, supporting increased adoption of its cloud-based insurer hosted pricing solution for insurers. It also launched a new policy management platform for insurers and Managing General Agents.

Crucially, it migrated all its core systems customers to AWS, becoming a cloud-only company and enabling it to offer its solutions under a Software as a Service model, with low code or low code/no model ensuring customers benefit from speed of deployment and ease of maintenance.

CDL’s commercial director, Nigel Phillips, said: “We are thrilled to be recognised as an InsurTech 100 company. It is testament to the pioneering work we are doing in the UK’s insurance industry, which is arguably the most advanced in the world. CDL’s culture of blue-sky thinking and desire to be at the cutting edge of new technology ensures we are leaders in the insurtech space, and we are delighted to be recognised for that here.”

SUSTAINABILITY LEADER JOINS CBRE

Sam Allcock

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27/10/2022

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Lucinda Lay to strengthen Regional Sustainability team as Biodiversity Net Gain Lead

CBRE’s Regional Sustainability team has been bolstered by the appointment of Lucinda Lay, who joins as Biodiversity Net Gain lead supporting the ESG offering and championing the delivery of nature-positive operations. Working with Regional Sustainability Director Lydia Dutton, Lucinda will be based in Manchester and supports the North and Scotland with a national remit to develop a biodiversity net gain proposition.

Lucinda joins from Mitie where she was both Head of Nature and ESG Programme Manager working across Lloyds Banking Group’s sustainability strategy, supporting their journey to Net Zero Carbon by 2030. At Mitie, Lydia also worked on the expansion into Biodiversity Net Gain and Nature Positive Solutions. Lucinda worked with clients including Sellafield, Magnox and Department for Transport on their journeys to nature-positive operations.

Prior to joining Mitie, Lucinda was Director of Operations for the Innovation Gateway alliance and as Sustainability Programmes Manager for The University of Oxford, was responsible for the design and delivery of a £14.6M CAPEX programme to achieve 33% reduction in carbon emissions across the functional estate by 2020/21.

This key appointment underlines CBRE’s ability to advise on the Environment Act 2021, which introduced a new mandatory need to demonstrate 10% biodiversity net gain from November 2023 onwards for all projects needing planning consent.

A recent biodiversity report “Living Planet 2022’ cited global wildlife populations have plummeted by 69% on average since 1970, highlighting the need to work together to help bring back the thriving ecosystems that provide vital survival services. CBRE will be supporting clients in their response to this through embedding effective biodiversity strategies into their sustainable development programmes.

Lydia Dutton, Regional Sustainability Director, CBRE said:

“As we continue to engage with our clients across the regions there is clear interest and drive to embed ESG in the North and Scotland. Lucinda brings a wealth of sustainability experience which will add significant value and insight for CBRE and our clients.”

Lucinda Lay added:

“Climate change and biodiversity loss are the two significant challenges of the 21^st Century. Joining the CBRE ESG consultancy provides me with a new opportunity to push through transformational change within the CRE sector. As a progressive leader with a clear vision to innovate and deliver change, I am excited to build the partnerships needed to make it happen.”

Exciting Partnership between Booking.com and Tech Returners

Partnerships

Sam Allcock

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26/10/2022

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Exciting Partnership between Booking.com and Tech Returners

12 new software developers have recently been welcomed into one of the world’s leading digital travel companies; Booking.com. They’ll make up part of the company’s Manchester based team, as part of its ongoing partnership with Tech Returners, an organisation specialising in upskilling engineers to return to the tech industry after a career break.

Booking.com’s Trips division, which will move into its new £100m home at Manchester’s Enterprise City later this year, has created the roles having sponsored its second cohort of candidates through Tech Returners’ ‘Your Return to Tech’ programme.

The 8-week course is designed and proven to tackle the industry’s well-documented skills shortage and provide software developers – the majority of which are women – with a free route back to high-quality employment after a career break.

The full-time appointments started in June and cover roles across the company’s Trips division, including its Taxis, Cars, Insurance and Data teams, and forms part of its plan to significantly grow the business’ 1,000-strong presence in the city.

Beyond refreshing and re-skilling individuals from a technical perspective, the programme also provides each participant with career and mindset coaching, drilling down into different skills and behaviours from how to rebuild confidence to interview preparation and practice.

To date, the Tech Returners programme has placed more than 100 mid-level software developers into a range of UK-based organisations that value diversity in their technical teams, including The Guardian, Daemon and The BBC.

Matthias Schmid, SVP for the Booking.com Trips division said: “As the travel industry experiences a resurgence following the pandemic, we have ambitious plans to create a vast range of new roles to join the 300 skilled professionals we’ve already hired across our Trips team this year alone. The city’s world-class talent is a key reason why we call Manchester home. Working with progressive organisations like Tech Returners means we can provide a platform and career pathways for diverse talent to shine, deliver game-changing innovation and ultimately fly the flag for the local tech scene internationally.”

Beckie Taylor, CEO and Co-founder of Tech Returners commented: “As a team passionate about building diverse tech teams and supporting people to realise their potential, we are beyond proud to see another successful cohort of returners get back to their careers and back to themselves.

It’s a privilege to collaborate with organisations, like Booking.com, that are capable of seeing beyond the perceived stigma that accompanies a career break and that instead recognise the expertise, skills and value that this demographic brings to the tech industry. We’ve seen time and time again that an opportunity is all someone needs to reignite their career in tech.”

Published and distributed by PR FIRE (www.prfire.co.uk)

Stockport based Parfetts awards an 8% bonus.

Business

Sam Allcock

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26/10/2022

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Stockport based Parfetts awards an 8% bonus.

Employee-owned Parfetts awards an 8% bonus.

Employee-owned wholesaler Parfetts is awarding colleagues an 8% profit share bonus to recognise their contribution to the continued growth of the business.

The move follows a bonus of up to 2% in June and an exceptional cost of living payment of up to £500.

Parfetts has seen a series of record trading periods over the last six months, with its annual Parfest and the September Savers promotional event driving record sales. The September event saw sales top £14.6m, while the Aintree depot achieved sales of £3.5m during the promotional week.

Guy Swindell, joint managing director of Parfetts, said: “Our team continues to go above and beyond to deliver great customer service and help retailers maximise their margins in a challenging economic climate. We want to ensure that we recognise this dedication with a bonus that will help with the rising cost of living that we all face.

“Parfetts is pushing on all fronts to ensure that we continue to help our customers however they shop with us – in our network of industry-leading depots, through our ever-growing team of regional development managers, and with investment in new technology to ensure it’s easy to do business with us.

“We’ve doubled down on our seasonal events, which are designed to drive footfall, increase basket spend and grow margins. Plus, we are continuing to offer our usual promotional support, including one-day specials, manager’s specials, three weekly promotions schedules and supplier takeovers. As a result, we are confident that we are leading the industry in delivering value to our retailers and their customers.”

Parfetts has reinvested in the business in the last year to support customers. It has advanced plans to improve and expand its depots, rapidly grow the delivered service, and expanded its fascia operations.

A new depot is in development in Birmingham to expand its presence in the Midlands and down the M40 corridor.

Manchester-Based Female Duo Combine Fashion, Sustainability and Science in Launch of New Luxury Fashion Brand

Sam Allcock

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26/10/2022

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New Manchester-based fashion brand, SNOODY™, created by Lucy Hope and Karen Seddon and supported by a collective of fashion designers, material technologists, sustainability experts and scientists
Incorporates material technology by Virustatic® which was awarded a prestigious Business of Fashion, Textiles and Technology (BFTT) grant to develop sustainable textile coatings
Genderless over-sized luxury apparel with signature piece being its ‘Snoody’ priced at £75
The Snoody’s in-built snood material can protect wearers from airborne nasties and incorporates viruferrin® protein technology

A new Manchester-based sustainable fashion brand that specialises in luxury pieces has launched after two female experts saw the opportunity to combine their specialisms in fashion and science.

Genderless online luxury fashion brand SNOODY™ (www.snoody.store) based between The Yard at Cheetham Hill, Manchester’s fashion and creativity hub and Alderley Park, Cheshire, the home of world-leading science, is set to launch this week which will see its first line go live which includes its signature piece which is its oversized hoody, aptly named Snoody, priced at £75.

The product’s unique, as it combines 100% certified organic cotton material, which is completely pesticide and fertiliser free with a lower water footprint than conventional cotton, as well as featuring an in-built snood, which is the science part, providing aerosol filtration and incorporating Virustatic® innovation award-winning technology, that can be pulled up and down as needed.

The business has been quick to market thanks to science firm, Virustatic, being awarded £150,000 in funding by the Business of Fashion, Textiles and Technology (BFTT) (www.bftt.org.uk) to develop its sustainability-driven, innovative textile coating to replace the use of metal-based chemicals for the antimicrobial treatment of fabric and textiles and has led to the creation of new products.

The prestigious award has funded the salary of sustainable chemist, Dr Joseph Houghton, who has joined the Virustatic team. He has been helping deliver the testing virustatic® technology on new circular and biodegradable sustainable materials and is helping drive the project forward in partnership with world-leading sustainability experts, material technologists and green chemists within the BFTT at the University of Leeds and University of the Arts London (UAL).

Talking about SNOODY™’s launch Karen Seddon, a fashion expert from Cheshire with over 25 years of experience, and part of the founding duo said: “This brand really is a culmination of British talent, expertise, and innovation. Lucy and I have brought together a collective to support our knowledge and expertise to really launch something different. It’s not been an overnight thing; it’s been years in the making. We wanted to change the game when it came to sustainable fashion, and we believe we have with our signature launch product the Snoody, its material and ‘snood’ is somewhat futuristic.

“All of our colours and designs are ‘less is more’ but we have not skimped on the fabric quality. Each one is made with super soft, brushed back 100% organic cotton and you can just feel the superiority when you touch and wear it.

“I am so proud to be part of this launch and we can’t wait to see what consumers and the industry alike think of our new products and brand.

The collective has focused on creating planet-positive apparel that uses natural proteins to replace the over-use of metal-based chemicals in textile supply chains.

Lucy Hope, from Marple Bridge, the development director at Virustatic®, the science organisation that brings the science credentials to the dynamic expert team, also commented on the launch: “Since the inception of Virustatic® we have been keen to develop the use of our award-winning natural protein technology for the greater good and, after meeting Karen and her fashion team, we just couldn’t turn down the opportunity to create something unique.

“We believe this range, and the signature product is the perfect balance between luxury fashion, comfort and in-built science-backed technology that can help not only keep wearers warm but also protected.

“The overuse of metal-based chemicals in the fashion and textile industry is concerning to all industry insiders. Virustatic® is committed to researching and developing renewable, biobased, antimicrobial textile solutions to reduce the environmental burden of harmful chemicals used in the industry.

“The Viruferrin® coating that’s placed onto every in-built snood contains a biobased naturally occurring protein coating that electrostatically enhances the material to filter airborne nasties. When worn, the snood material can also conveniently filter out environmental pollution. It’s the perfect piece of apparel for the winter for so many reasons and I just can’t wait to see the British public buying, wearing, and reaping the benefits of these.”

The ‘Snoody’ range is only currently available from the SNOODY™ website: www.snoody.store and is priced at £75 for launch, RRP £90.

Bibby Financial Services appoints Daniel Williams as Head of Sales for Corporate North

Sam Allcock

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26/10/2022

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Bibby Financial Services appoints Daniel Williams as Head of Sales for Corporate North

Experienced leader joins to drive sales in North of England and Scotland

SME financier, Bibby Financial Services (BFS) has appointed Daniel Williams as Head of Sales – Corporate North as it looks to expand its support for SMEs and their advisors throughout the North of England and Scotland.

Daniel joins BFS with more than 16 years’ experience in corporate banking and commercial finance, having held a range of senior sales leadership roles within Lloyds Bank, most recently as Director of Invoice Finance Sales.

Commenting on Daniel’s appointment, UK Head of Sales, Stephen Hand said: “Our Corporate team is a huge part of our success, and we have excellent relationships throughout the UK intermediary community, a fantastic proposition and a risk appetite that enables us to say now when others say no. Appointing someone of Daniel’s calibre to build-on and enhance our support for SMEs and introducers is testament to our ambitious sales strategy.”

Daniel heads BFS’s Corporate North team, responsible for developing transactions for SMEs with turnover up to £100m supporting a range of requirements including working capital and cashflow, growth and expansion, MBIs and MBOs, refinancing, restructuring, and mergers and acquisitions.

Daniel Williams said: “BFS is incredibly well placed to support businesses overcome challenges and take advantage of opportunities they face, enabling them to unlock working capital to grow and thrive. We have fantastic people and a flexible approach to funding, so I’m delighted to join the business at such an important time for UK PLC.”

BFS is the UK’s largest independent invoice finance provider and supports nearly 9,000 SME clients globally through its invoice finance and asset finance solutions. In addition, its product range includes Foreign Exchange, Export and Trade Finance, as well as specialist finance for the construction sector.

Daniel Williams added: “Our ambition is to build on the attributes BFS is already well-known for and leverage our product portfolio to grow our financing support for SMEs throughout the UK. We’re actively recruiting for other key roles within the Corporate team, and we will be reaching out to our valued introducer network in the North of England and Scotland over the coming weeks to understand how we can bolster our support for them and their clients in the remainder of 2022 and beyond.”

STAGECOACH MANCHESTER TO SET UP REGULAR DONATIONS TO THE TRUSSELL TRUST FOOD BANKS ACROSS THE REGION

Charity

Sam Allcock

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26/10/2022

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STAGECOACH MANCHESTER TO SET UP REGULAR DONATIONS TO THE TRUSSELL TRUST FOOD BANKS ACROSS THE REGION

Local bus operator Stagecoach Manchester announces it will regularly donate essential food products to the Trussell Trust’s food banks across the Greater Manchester area, as it launches staff drop-off points at its depots.

Stagecoach Manchester is committed to supporting its local communities, and the support for the Trussell Trust serves as part of the bus company’s nationwide “Giving for Good” initiative. This initiative aims to support local communities by promoting health & wellbeing, supporting young people in skills and employment, addressing loneliness and increasing opportunity and accessibility to much-needed services.

The Trussell Trust is an anti-poverty charity that supports a nationwide network of more than 1,300 food bank centres and together they provide emergency food and support to help people facing hardship.

Sophie Carre – Head of Corporate Partnerships at the Trussell Trust said:

“Food banks in our network have told us they are being stretched to breaking point as a result of rising need, increased energy costs and inflation and they’re preparing for their hardest ever winter. We are delighted to work alongside Stagecoach as part of their ‘Giving for Good’ initiative. Their support will help food banks within our network continue to provide the lifeline of emergency support for local people facing financial hardship in these challenging times, while we work in the long term to end the need for food banks, for good. Thank you so much”

Local support for the Trussell Trust includes food banks in areas close to the six Stagecoach Manchester depots where collections will take place; Tameside East, Manchester Central, Middleton, Stockport and Atherton & Leigh.

Lee Wasnidge, Managing Director of Stagecoach Manchester said: “We are extremely passionate about supporting our local communities, and the Giving for Good initiative allows us to identify local charities, providing real hands-on help to those in need throughout our region.

“The cost-of-living crisis will hit hard this winter, and vulnerable families across Manchester will rely on help from charities such as the Trussell Trust, so we’re delighted to help however we can.”

For more information on the Trussell Trust, and opportunities to get involved with activity taking place across Greater Manchester, visit the website: https://bit.ly/3ESqlvd

For further detail on Stagecoach’s Giving For Good initiative, visit the webpage: https://bit.ly/3rMUwMz

SMEs and micros in the North West offered free support on workplace wellbeing

Business support

Sam Allcock

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26/10/2022

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SMEs and micros in the North West offered free support on workplace wellbeing

British Safety Council is offering organisations employing up to 500 staff in Manchester and the North West, as well as across the UK, the chance to get free support to improve the wellbeing of their workplace, with pressures following Covid and growing economic challenges facing businesses in the region.

Through its campaign on workplace wellbeing, Keep Thriving, the health, safety and wellbeing charity is inviting SMEs and micro-sized employers to apply to attend one of a series of free 3-hour workshops to help them develop a wellbeing strategy. Applications are currently open until 30 November.

The sessions, delivered by experts from British Safety Council’s Being Well Together programme, will help employers explore why wellbeing matters to them, their people and their business, and ways they can improve their wellbeing. The session will help small, medium and micro-sized employers to develop a strategy which works and to track and evaluate their progress.

On launching the offer, Peter McGettrick, Chairman of British Safety Council, said:

“We’ve been seeing more and more pressures piling onto businesses, especially smaller ones, both following the Covid pandemic and with the rising cost of energy, and as a charity we want to do something to help. That’s why we are offering SMEs and micro-sized employers the chance to improve the wellbeing of their staff, completely free of charge.

“Employers will be able to meet other like-minded organisations to discuss the challenges, opportunities, and best ways of developing a wellbeing strategy and find out how improving wellbeing boosts their organisational performance and reduces the likelihood of accidents and ill-health among their staff. This is a great chance to take a fresh look at how you, your staff and your business can succeed and thrive together.”

Any employer with to up to 500 staff can apply here.

As well as the free workshops, British Safety Council is offering all employers who attend the opportunity to apply for a cash award to fund activity they decide to do as a result. The charity wants to make up to £10,000 available to one or more organisations.

Concerts for Carers celebrates 1st birthday by awarding £2,000 grant to the Healthcare Workers’ Foundation and hits £1.85m of free tickets given away

Charity

Sam Allcock

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26/10/2022

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Concerts for Carers celebrates 1st birthday by awarding £2,000 grant to the Healthcare Workers’ Foundation and hits £1.85m of free tickets given away

To celebrate their first birthday Concerts for Carers (a not-for-profit registered charity) is delighted to have awarded its first grant, furthering its mission to promote the mental health and wellbeing of NHS and Paid Care workers across the UK
It has awarded a £2,000 grant to Healthcare Workers’ Foundation
In its first year, Concerts for Carers has given away over 35,000 tickets worth more than £1.85 million to events at 70 venues in over 30 cities across the UK
With 85,000 members, NHS staff and paid carers can apply for tickets to live events including Elton John, Justin Bieber, Westlife and Panic! at The Disco
Concerts for Carers provides tickets to events at over 70 venues across the UK including O2 Victoria Warehouse Manchester, O2 Ritz Manchester, O2 Apollo Manchester, The Blues Kitchen, and AO Arena Manchester.
Concerts for Carers has provided tickets to recent shows in Manchester including Alice Cooper + The Cult, Swedish House Mafia, and Cirque du Soleil.
More information is available at concertsforcarers.org.uk

To celebrate their first birthday, Concerts for Carers together with O2 has awarded its first ever grant of £2,000 to Healthcare Workers’ Foundation, a charity that provides targeted support to people working in healthcare, enabling them to continue caring for us.

Founded by former music venue executives, Concerts for Carers together with O2 is a registered charity created to promote the mental health and wellbeing of NHS staff and Paid Care workers which it does by providing access to free music tickets all year round.

Statistics from gov.uk show that 50% of NHS staff are more likely to experience high levels of work-related stress compared to the general working population, it is vitally important that healthcare workers have a suitable place to eat and rest in order to remain healthy and manage their wellbeing.

Working with Healthcare Workers Foundation, the charity will use the funds to refurbish a staffroom in Scarborough Hospital to provide essential space away from the wards.

Since its launch in 2021, Concerts for Carers has given over 35,000 free tickets to NHS and paid carers for top live music performances from the likes of Ed Sheeran, Little Mix, Michael Buble, Billie Eilish, Haim, The Script, Elbow and many others.

Steve Gotkine Co-Founder of Concerts for Carers, said “We are delighted to have been able to make our first grant within our first year as well as hitting the amazing milestone of over £1.85m worth of free tickets given away to our beneficiaries. This is just the start of our journey, with further grants planned in 2023 we are excited to go into our second year bringing more content than ever before to our NHS and Paid Carers.”

Jayd Williams, Head of Music Partnerships & Sponsorship at Virgin Media O2, said “O2’s partnership with Concerts for Carers is our way to thank NHS and Paid Carers for their dedication to their profession with access to some of the best live events and concerts in the UK. The first year of our partnership has seen incredible growth and we are proud to see the continuation of our giving back with the first grant being made to a brilliant charity.”

Julie Child, CEO at the Healthcare Workers’ Foundation, said: “It is vitally important that healthcare workers have a place to eat and rest in order to manage their wellbeing. This grant by Concerts for Carers together with O2 is an incredible way to give back and support the mental health and wellbeing of staff by improving their staff rooms and rest spaces which are so important to them.”

How does the scheme work?

NHS and paid Care workers can sign-up via concertsforcarers.org.uk
Once registered on the website, NHS staff and Paid Care workers can apply for shows that they would like to attend.
All requests will be entered into a ballot.
Recipients will then be notified if they have won tickets to their preferred events.

Having now secured agreement from some of the UK’s leading live music destinations, including The O2, the organisation is looking for funds to achieve its goal. Eligible beneficiaries can register now at www.concertsforcarers.org.uk. Those that wish to contribute towards this fantastic initiative and be part of creating something that truly honours NHS workers and paid carers, please visit https://www.justgiving.com/concertsforcarers

Will Investment in Manchester Fall in 2023?

Thought Leaders

Sam Allcock

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25/10/2022

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Will Investment in Manchester Fall in 2023?

Whisper it quietly, but the sacking of Chancellor Kwasi Kwarteng and announcement of new plans outlined by incoming Jeremy Hunt appear to have created much calmer economic and financial market waters in the UK.

More specifically, both the pound (GBP) and government bond yields have recovered from their recent nadir, following news that the 45p tax rate for higher earners was to be maintained and Hunt’s recent announcement that corporation tax would increase to 25% next April (rather than being kept at 19%).

But will this lead to a more stable economy and increased investment in cities like Manchester, or could the economic climate worsen before it improves?

Exploring the Effects of Rising Inflation and Interest Rates

The UK has certainly found itself in the midst of a perfect macroeconomic storm of late, with inflation having increased markedly following Russia’s invasion of Ukraine (and the subsequent changes to the supply and price of oil) and ongoing supply chain complexities caused by Brexit and the coronavirus pandemic.

With inflation having peaked at 10.1% in July and likely to reach 11% in the winter, the Bank of England (BoE) has sought to counter this by continually hiking the base interest rate. This is based on the notion that inflation and interest rates enjoy an inverse relationship, with a higher base rate encouraging households to save and reducing spending naturally.

While this may well prove to be effective over time, there are a couple of points to keep in mind. Firstly, it’s most effective when the rate of inflation is at least to the 2% target set by the BoE, as minimal increases are required to have the desired effect.

Secondly, the decision to hike rates is compounding the cost-of-living crisis for many households and businesses, making it harder and more expensive to borrow while diminishing reinvestment even into prosperous urban areas.

What are the Effects of a Weak Pound?

As inflation mounts and the cost of borrowing soars, the purchasing power of currencies (in this instance, the pound) declines accordingly.

This makes the GBP considerably less appealing in the eyes of investors, particularly those from overseas. This also impacts on British businesses over time, making it harder to source investment in an increasingly uncertain and volatile climate.

Once again, such uncertainty is being exacerbated by Brexit and ongoing supply chain issues, creating a scenario where some investors may seek flight and explore more prosperous, emerging markets.

The good news is that a weakened pound also makes UK stocks and assets much cheaper, so working closely with an expert investment manager can help you to make sound choices.

What’s the Outlook for 2023 and Beyond?

Currently, the intervention of new Chancellor Jeremy Hunt appears to have steadied the ship, although this also undermines the PM’s position and could create more geopolitical volatility going forward.

Certainly, the decline of the pound has been partially reversed, while the BoE may be able to hike the base rate at a steadier pace in the near and medium term.

Still, the central bank has warned that inflation could stay at double digits for much of 2023 at least, ensuring that the short-term investment outlook in Manchester and nationwide is relatively bleak.

An economic recovery could be on the cards in 2024, but careful management and informed decision-making will need to be taken for this to take shape.

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