Financial services is an industry that reveres its watershed moments. From the Great Depression to the dot-com bubble to the financial crisis of 2008, turning points are endlessly analyzed, exploited for value and eventually, the aftermath is put under the same microscope. The scrutiny is for good reason—financial watersheds don’t just change the marketplace, they change the world.
However, some pivotal turning points are quieter, subtle shifts that might not seem momentous, at first, but have
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