admin/blog-theme-master
1
0
Fork 0
Code Issues Pull Requests Actions Packages Projects Releases Wiki Activity

RSP Works blog - master theme source

Browse Source
This commit is contained in:
Bannerets
2026-02-01 00:11:53 -05:00
commit 2a348055a4
23 changed files with 2898 additions and 0 deletions
Download Patch File Download Diff File Expand all files Collapse all files

105
blog/index.html Normal file
View File

@@ -0,0 +1,105 @@
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:svg="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" xml:lang="en" lang="en">
<head>
<title>Blog - RSP Works</title>
<link rel="stylesheet" type="text/css" href="/css/style.css" />
<link rel="icon" sizes="16x16" type="image/png" href="/favicon.png" />
<link rel="icon" sizes="32x32" type="image/png" href="/art/favicon-32x32.png" />
<link rel="icon" sizes="96x96" type="image/png" href="/art/favicon-96x96.png" />
<link rel="start" title="Home" href="/" />
<link rel="alternate" type="application/atom+xml" title="Blog" href="/blog/feed" />
<meta name="author" content="Raymond Scott Pert" />
<meta name="copyright" content="Copyright 2025 RSP Works" />
<meta name="robots" content="noarchive" />
<meta name="viewport" content="width=device-width, initial-scale=1" />
<meta http-equiv="Content-Type" content="text/html; charset=UTF-8" />
</head>
<body>
<div id="root">
<p id="skiptocontent"><a href="#content" accesskey="c">Skip to Content [alt-c]</a></p>
<div id="header">
<div class="inner_header">
<h1>
<a class="logo" href="/">
<svg xmlns="http://www.w3.org/2000/svg" width="54" height="30">
<use xlink:href="/art/symbols.svg#logo"></use>
</svg>
</a>
<span class="fluff"> </span>
<a class="title" href="/"><span>RSP Works</span></a>
</h1>
<h2>Sections</h2>
<ul class="tabs">
<li><a href="/blog/">Blog</a></li>
<li><a href="/consulting/">Consulting</a></li>
<li><a href="/projects/">Projects</a></li>
</ul>
</div>
<div class="header_background">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 4200 114.01">
<use class="header_tree" xlink:href="/art/symbols.svg#tree"></use>
<use class="header_ground" xlink:href="/art/symbols.svg#ground"></use>
</svg>
</div>
</div>
<div id="content">
<div class="blog_page">
<div class="blog_sidebar">
<div>
<h2>Recent</h2>
<ul>
<li><a href="/blog/post/ontario-alabama.html">Ontario Falls Behind Alabama</a></li>
<li><a href="/blog/post/global-south-banking.html">Global South Banking Access</a></li>
<li><a href="/blog/post/muck-rack-guide.html">Muck Rack for Growth</a></li>
<li><a href="/blog/post/mit-genai-divide.html">MIT GenAI Study</a></li>
<li><a href="/blog/post/freeman-educated-proletariat.html">Freeman's 1970 Warning</a></li>
</ul>
</div>
<div>
<h2>Topics</h2>
<ul>
<li><a href="#economic-analysis">Economic Analysis</a></li>
<li><a href="#policy-research">Policy Research</a></li>
<li><a href="#infrastructure">Infrastructure</a></li>
<li><a href="#academic-voices">Academic Voices</a></li>
</ul>
</div>
</div>
<div class="blog_content">
<h2>Blog Posts<span class="fluff"> </span>
<a href="/blog/feed" class="feed">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" width="16" height="16">
<use xlink:href="/art/symbols.svg#feed_full"></use>
</svg>
</a>
</h2>
<div class="blog_post_index">
<h4>August 2025</h4>
<p><a href="/blog/post/ontario-alabama.html">Ontario Falls Behind Alabama</a></p>
<p><a href="/blog/post/global-south-banking.html">When "Developing" Countries Lead: Global South Banking Access</a></p>
<p><a href="/blog/post/muck-rack-guide.html">How to Leverage Muck Rack for Media Relations and Growth</a></p>
<p><a href="/blog/post/mit-genai-divide.html">MIT's "GenAI Divide" - The 95% ROI Debate</a></p>
<p><a href="/blog/post/keyu-jin-profile.html">Economist Profile: Keyu Jin</a></p>
<h4>April 2025</h4>
<p><a href="/blog/post/freeman-educated-proletariat.html">Roger Freeman's 1970 Warning: The "Educated Proletariat" as Dynamite</a></p>
</div>
<div class="section">
<p><a href="/" class="nav-up"><span>Back to Home</span></a></p>
</div>
</div>
</div>
</div>
<div id="footer">
<p class="copyright">© 2025 RSP Works</p>
<p class="trees">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 1474 364.7">
<use xlink:href="/art/symbols.svg#footer_trees"></use>
</svg>
</p>
</div>
</div>
</body>
</html>

127
blog/post/freeman-educated-proletariat.html Normal file
View File

@@ -0,0 +1,127 @@
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:svg="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" xml:lang="en" lang="en">
<head>
<title>Freeman's 1970 Warning - RSP Works</title>
<link rel="stylesheet" type="text/css" href="/css/style.css" />
<link rel="icon" sizes="16x16" type="image/png" href="/favicon.png" />
<link rel="icon" sizes="32x32" type="image/png" href="/art/favicon-32x32.png" />
<link rel="icon" sizes="96x96" type="image/png" href="/art/favicon-96x96.png" />
<link rel="start" title="Home" href="/" />
<link rel="alternate" type="application/atom+xml" title="Blog" href="/blog/feed" />
<meta name="author" content="Raymond Scott Pert" />
<meta name="copyright" content="Copyright 2025 RSP Works" />
<meta name="robots" content="noarchive" />
<meta name="viewport" content="width=device-width, initial-scale=1" />
<meta http-equiv="Content-Type" content="text/html; charset=UTF-8" />
</head>
<body>
<div id="root">
<p id="skiptocontent"><a href="#content" accesskey="c">Skip to Content [alt-c]</a></p>
<div id="header">
<div class="inner_header">
<h1>
<a class="logo" href="/">
<svg xmlns="http://www.w3.org/2000/svg" width="54" height="30">
<use xlink:href="/art/symbols.svg#logo"></use>
</svg>
</a>
<span class="fluff"> </span>
<a class="title" href="/"><span>RSP Works</span></a>
</h1>
<h2>Sections</h2>
<ul class="tabs">
<li><a href="/blog/">Blog</a></li>
<li><a href="/consulting/">Consulting</a></li>
<li><a href="/projects/">Projects</a></li>
</ul>
</div>
<div class="header_background">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 4200 114.01">
<use class="header_tree" xlink:href="/art/symbols.svg#tree"></use>
<use class="header_ground" xlink:href="/art/symbols.svg#ground"></use>
</svg>
</div>
</div>
<div id="content">
<div class="blog_page">
<div class="blog_sidebar">
<div>
<h2>Recent</h2>
<ul>
<li><a href="/blog/post/ontario-alabama.html">Ontario Falls Behind Alabama</a></li>
<li><a href="/blog/post/global-south-banking.html">Global South Banking Access</a></li>
<li><a href="/blog/post/muck-rack-guide.html">Muck Rack for Growth</a></li>
<li><a href="/blog/post/mit-genai-divide.html">MIT GenAI Study</a></li>
<li><a href="/blog/post/keyu-jin-profile.html">Keyu Jin Profile</a></li>
</ul>
</div>
</div>
<div class="blog_content">
<div class="blog_post">
<div class="date">April 21, 2025</div>
<h2>Roger Freeman's 1970 Warning: The "Educated Proletariat" as Dynamite</h2>
<div class="content">
<p>Certain quotes etch themselves into history, sparking debate and illuminating pivotal moments. One such statement, "We are in danger of producing an educated proletariat. … That's dynamite! We have to be selective on who we allow [to go to college]," is tied to Ronald Reagan's advisory circle during his California governorship. A reader recently asked about this quote, linking it to a campaign advisor from Reagan's pre-presidential years. After digging into the archives, here's the story of its origins, its author, and the context that gave it weight.</p>
<h3>The Historical Backdrop</h3>
<p>The quote captures a provocative fear: an educated working class, or "proletariat" in Marxist terms, could destabilize society. The word "dynamite" underscores the perceived threat of upheaval. This idea resonated in the late 1960s and early 1970s, an era of student protests, civil rights struggles, and heated debates over higher education access. Ronald Reagan, California's governor from 1967 to 1975, was a key player in these battles, often clashing with the University of California system to limit free education and curb campus activism.</p>
<p>The reader's query pointed to Reagan's campaign circle before his 1981–1989 presidency, likely his 1970 gubernatorial reelection campaign, when education policy was a flashpoint. This timeframe anchors our search for the quote's source.</p>
<h3>Identifying Roger Freeman</h3>
<p>The evidence strongly points to Roger Freeman, an education advisor to Reagan during the 1970 campaign, as the quote's author. According to a San Francisco Chronicle article from October 30, 1970, cited by The Intercept, Freeman made the statement at a press conference on October 29, 1970: "We are in danger of producing an educated proletariat. … That's dynamite! We have to be selective on who we allow [to go to college]." This phrasing is consistently tied to Freeman across multiple sources.</p>
<p>Born in 1904 in Vienna, Austria, Freeman was a seasoned policy figure, having advised the Eisenhower and Nixon administrations and served as a senior fellow at Stanford's Hoover Institution.</p>
<p>His views on education were shaped by historical concerns, including Germany's post-World War I struggles with an oversupply of educated but jobless citizens. As The Intercept notes, he warned of "highly trained and unemployed people," a fear he applied to California's education system.</p>
<h3>Freeman's Role in Reagan's Campaign</h3>
<p>Freeman's advisory role during Reagan's 1970 campaign placed him at the center of California's education policy debates. Reagan, guided by advisors like Freeman, shifted the cost of higher education onto students through tuition and loans, aiming to restrict access and prevent the rise of a politically active working class. Freeman's press conference remarks, advocating selectivity in college admissions, reflect this strategy. BestColleges details how these policies laid the foundation for the modern student debt crisis, driven partly by fears of an "educated proletariat."</p>
<h3>Supporting Evidence</h3>
<p>Multiple sources corroborate Freeman's attribution. A 2021 Reddit thread on r/socialism sought to verify the quote, citing the same Chronicle article, "Professor Sees Peril in Education." BestColleges also links the quote to Freeman, as do community discussions on platforms like FARK.com. The quote's specificity—its focus on the "proletariat" and "dynamite"—ties it firmly to Freeman's documented words.</p>
<h3>Addressing Doubts</h3>
<p>Some skepticism surrounds the quote, as noted in the r/socialism thread, where users questioned its almost too-perfect alignment with critiques of Reagan's policies. However, the Chronicle article and analyses from The Intercept and BestColleges provide robust evidence, grounding Freeman's statement in a verifiable moment. The consistency across sources dispels doubts, affirming the quote's historical accuracy.</p>
<h3>The Quote's Lasting Significance</h3>
<p>Freeman's words open a window into the motivations behind Reagan's education reforms and the broader conservative effort to control access to higher education. By framing an educated proletariat as "dynamite," Freeman voiced a strategic concern: widespread education could empower the working class to challenge the status quo. This perspective shaped policies with enduring impacts, including the rise of student debt as a barrier to access. Revisiting this quote helps us trace the historical roots of today's education debates.</p>
<h3>Conclusion</h3>
<p>The evidence confirms Roger Freeman as the source of the quote, "We are in danger of producing an educated proletariat. … That's dynamite! We have to be selective on who we allow [to go to college]," delivered at a 1970 press conference. As Reagan's advisor, Freeman's words reflect the anxieties and priorities of an era, offering insight into the policies that shaped modern higher education. This historical gem reminds us how a single statement can echo through decades.</p>
<div class="section">
<h4>For Further Reading</h4>
<ul>
<li>The Intercept: "The Origin of Student Debt: Reagan Adviser Warned Free College Would Create a Dangerous 'Educated Proletariat'" (2022)</li>
<li>BestColleges: "How the Threat of an 'Educated Proletariat' Created the Student Debt Crisis" (2022)</li>
<li>Reddit r/socialism: "Looking to verify a quote: Reagan advisor publicly and explicitly pushing against educating 'proletariat'" (2021)</li>
</ul>
</div>
</div>
</div>
<div class="post_nav">
<div class="older">
<h3>Previous</h3>
<p><a href="/blog/" class="nav-prev"><span>Back to Blog</span></a></p>
</div>
<div class="newer">
<h3>Next</h3>
<p><a href="/blog/post/keyu-jin-profile.html" class="nav-next"><span>Keyu Jin Profile</span></a></p>
</div>
</div>
</div>
</div>
</div>
<div id="footer">
<p class="copyright">© 2025 RSP Works</p>
<p class="trees">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 1474 364.7">
<use xlink:href="/art/symbols.svg#footer_trees"></use>
</svg>
</p>
</div>
</div>
</body>
</html>

248
blog/post/global-south-banking.html Normal file
View File

@@ -0,0 +1,248 @@
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN"
"http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd">
<html xmlns="http://www.w3.org/1999/xhtml"
xmlns:svg="http://www.w3.org/2000/svg"
xmlns:xlink="http://www.w3.org/1999/xlink"
xml:lang="en" lang="en">
<head>
<title>Global South Banking Leadership - RSP Works</title>
<link rel="stylesheet" type="text/css" href="/css/style.css" />
<link rel="icon" sizes="16x16" type="image/png" href="/favicon.png" />
<link rel="icon" sizes="32x32" type="image/png" href="/art/favicon-32x32.png" />
<link rel="icon" sizes="96x96" type="image/png" href="/art/favicon-96x96.png" />
<link rel="start" title="Home" href="/" />
<link rel="alternate" type="application/atom+xml" title="Blog" href="/blog/feed" />
<meta name="author" content="Raymond Scott Pert" />
<meta name="copyright" content="Copyright 2025 RSP Works" />
<meta name="robots" content="noarchive" />
<meta name="viewport" content="width=device-width, initial-scale=1" />
<meta http-equiv="Content-Type" content="text/html; charset=UTF-8" />
</head>
<body>
<div id="root">
<p id="skiptocontent"><a href="#content" accesskey="c">Skip to Content [alt-c]</a></p>
<div id="header">
<div class="inner_header">
<h1>
<a class="logo" href="/">
<svg xmlns="http://www.w3.org/2000/svg" width="54" height="30" role="img" aria-label="RSP Works logo">
<use xlink:href="/art/symbols.svg#logo"></use>
</svg>
</a>
<span class="fluff"> </span>
<a class="title" href="/"><span>RSP Works</span></a>
</h1>
<h2>Sections</h2>
<ul class="tabs">
<li><a href="/blog/">Blog</a></li>
<li><a href="/consulting/">Consulting</a></li>
<li><a href="/projects/">Projects</a></li>
</ul>
</div>
<div class="header_background" aria-hidden="true">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 4200 114.01">
<use class="header_tree" xlink:href="/art/symbols.svg#tree"></use>
<use class="header_ground" xlink:href="/art/symbols.svg#ground"></use>
</svg>
</div>
</div>
<div id="content" class="footnote-doc">
<div class="blog_page">
<div class="blog_sidebar">
<div>
<h2>Recent</h2>
<ul>
<li><a href="/blog/post/ontario-alabama.html">Ontario Falls Behind Alabama</a></li>
<li><a href="/blog/post/global-south-banking.html">Global South Banking Access</a></li>
<li><a href="/blog/post/muck-rack-guide.html">Muck Rack for Growth</a></li>
<li><a href="/blog/post/mit-genai-divide.html">MIT GenAI Study</a></li>
<li><a href="/blog/post/keyu-jin-profile.html">Keyu Jin Profile</a></li>
</ul>
</div>
</div>
<div class="blog_content">
<div class="blog_post">
<div class="date">August 21, 2025</div>
<h2>When "Developing" Countries Lead: How the Global South Outpaces Canada and the EU on Banking Access for Entrepreneurs</h2>
<div class="content">
<div class="content-inner">
<!-- ===== Main Article ===== -->
<div class="article" id="main-article">
<p><em>A legal policy analysis revealing how supposed "third world" nations have built better financial inclusion frameworks than their wealthy counterparts</em></p>
<p>The regulatory geography of financial inclusion reveals an uncomfortable truth for wealthy nations: when it comes to ensuring banking access for low-income entrepreneurs and micro-enterprises, countries like India, Kenya, and Brazil have implemented more innovative, effective, and comprehensive solutions than Canada and the European Union.</p>
<h3>The Innovation Gap</h3>
<p>While Canada and the EU have focused primarily on consumer banking rights—leaving micro-enterprises in regulatory limbo between consumer protections and full commercial banking requirements—countries traditionally labeled as "developing" have built entirely new regulatory frameworks specifically designed for financial inclusion.</p>
<h3>India's Revolutionary Scale</h3>
<p>India's Business Correspondent (BC) model, launched in 2006, now reaches vast rural populations via distributed agents and is structurally designed to extend services and credit to the underserved
<a class="fn-ref" href="#fn-1" id="fnref-1" role="doc-noteref"><sup>1</sup></a>
<a class="fn-ref" href="#fn-2" id="fnref-2" role="doc-noteref"><sup>2</sup></a>.
The model enables doorstep banking and supports microcredit workflows by collecting KYC, facilitating account openings, and maintaining digital records
<a class="fn-ref" href="#fn-2" id="fnref-2b" role="doc-noteref"><sup>2</sup></a>.
</p>
<h3>Kenya's Mobile Money Revolution</h3>
<p>Kenya's M-Pesa has transformed payments and savings for households and micro-enterprises alike, achieving national-scale usage and high transaction volumes through mobile channels
<a class="fn-ref" href="#fn-3" id="fnref-3" role="doc-noteref"><sup>3</sup></a>
<a class="fn-ref" href="#fn-4" id="fnref-4" role="doc-noteref"><sup>4</sup></a>.
Its regulatory pathway prioritized inclusion and practical risk protections to enable rapid adoption
<a class="fn-ref" href="#fn-4" id="fnref-4b" role="doc-noteref"><sup>4</sup></a>.
</p>
<h3>Brazil's Correspondent Banking Success</h3>
<p>Brazil pioneered large-scale correspondent/agent banking through partnerships among banks, retailers, and technology providers—dramatically expanding points of service and enabling millions of new accounts, especially outside major metros
<a class="fn-ref" href="#fn-5" id="fnref-5" role="doc-noteref"><sup>5</sup></a>.
</p>
<h3>The Wealthy World's Blind Spot</h3>
<p>Canada’s consumer banking protections explicitly focus on natural persons using personal accounts, leaving micro-enterprises without equivalent access guarantees—and subject to full commercial onboarding and monitoring standards
<a class="fn-ref" href="#fn-6" id="fnref-6" role="doc-noteref"><sup>6</sup></a>.
In the EU, the Payment Accounts Directive improves consumer access but does not directly secure basic accounts for businesses; implementation gaps and de-risking have continued to impede inclusion outcomes
<a class="fn-ref" href="#fn-7" id="fnref-7" role="doc-noteref"><sup>7</sup></a>
<a class="fn-ref" href="#fn-8" id="fnref-8" role="doc-noteref"><sup>8</sup></a>.
</p>
<h3>Why the Global South Succeeded</h3>
<h4>1. Necessity-Driven Innovation Beyond Traditional Banking</h4>
<p>India’s BC architecture treats micro-entrepreneurs as participants in the formal financial system, with agent workflows that support microloans and ongoing engagement (rather than one-off onboarding)
<a class="fn-ref" href="#fn-1" id="fnref-1b" role="doc-noteref"><sup>1</sup></a>
<a class="fn-ref" href="#fn-2" id="fnref-2c" role="doc-noteref"><sup>2</sup></a>.
Kenya’s M-Pesa allowed rural workers and informal traders to transact and save using basic phones—bypassing branch and card infrastructure entirely
<a class="fn-ref" href="#fn-3" id="fnref-3b" role="doc-noteref"><sup>3</sup></a>
<a class="fn-ref" href="#fn-4" id="fnref-4c" role="doc-noteref"><sup>4</sup></a>.
Brazil’s agent networks embedded access in everyday retail environments, collapsing distance and formality barriers
<a class="fn-ref" href="#fn-5" id="fnref-5b" role="doc-noteref"><sup>5</sup></a>.
</p>
<h4>2. Regulatory Boldness That Transcends Traditional Categories</h4>
<p>Kenyan authorities enabled an e-money model with consumer protections tailored to mobile flows—rather than forcing mobile money into legacy bank categories
<a class="fn-ref" href="#fn-4" id="fnref-4d" role="doc-noteref"><sup>4</sup></a>.
India broadened who could serve as BCs (beyond NGOs/MFIs) to include individuals and small businesses, creating dense last-mile reach
<a class="fn-ref" href="#fn-1" id="fnref-1c" role="doc-noteref"><sup>1</sup></a>.
Brazil formalized correspondent banking relationships so banks could extend regulated services via retail partners at scale
<a class="fn-ref" href="#fn-5" id="fnref-5c" role="doc-noteref"><sup>5</sup></a>.
</p>
<h4>3. Technology-First Infrastructure That Ignores Traditional Boundaries</h4>
<p>India integrated payments with digital identity and public rails to enable direct benefit transfers and streamlined onboarding for low-income households and micro-entrepreneurs
<a class="fn-ref" href="#fn-2" id="fnref-2d" role="doc-noteref"><sup>2</sup></a>.
Kenya’s mobile ecosystem offers payments, savings, credit, and insurance through phones—treating access as a utility rather than a premium product
<a class="fn-ref" href="#fn-3" id="fnref-3c" role="doc-noteref"><sup>3</sup></a>.
Brazil’s correspondent stack coordinates banks and retailers with technology providers to deliver regulated functionality through familiar local touchpoints
<a class="fn-ref" href="#fn-5" id="fnref-5d" role="doc-noteref"><sup>5</sup></a>.
</p>
<h3>The Wealthy World’s Blind Spot (Revisited)</h3>
<p>Even where consumer access has improved, “de-risking” and documentation practices can still exclude small firms. Recent UK policy efforts highlight a trend toward safeguarding access for legitimate users against blanket debanking
<a class="fn-ref" href="#fn-10" id="fnref-10" role="doc-noteref"><sup>10</sup></a>.
</p>
<h3>The Path Forward</h3>
<p>Lessons for Canada and the EU include: creating fit-for-purpose regulatory categories for micro-enterprises; embracing agent-based and mobile distribution; aligning AML/KYC proportionality with inclusion goals; and measuring outcomes beyond account openings to ongoing usage and resilience
<a class="fn-ref" href="#fn-7" id="fnref-7b" role="doc-noteref"><sup>7</sup></a>
<a class="fn-ref" href="#fn-8" id="fnref-8b" role="doc-noteref"><sup>8</sup></a>.
</p>
<h3>Conclusion: Leadership from Unexpected Places</h3>
<p>Comparative research shows that digital financial inclusion can materially improve the ease of doing business for micro-enterprises when infrastructure and rules are designed for their realities—not retrofitted from consumer or corporate paradigms
<a class="fn-ref" href="#fn-9" id="fnref-9" role="doc-noteref"><sup>9</sup></a>.
Countries that re-imagined the stack—from identity to agents to mobile money—now outperform wealthy nations’ incrementalism on inclusion.
</p>
<!-- ===== Footnotes (endnotes; become sticky sidenotes on wide) ===== -->
<aside class="footnotes" role="doc-endnotes" aria-label="Footnotes">
<h4>Footnotes</h4>
<ol>
<li id="fn-1" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Union Bank of India</span>, <span class="fn-title">Business Correspondent Model</span>.</span>
<a class="fn-backref" href="#fnref-1" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-1b" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-1c" role="doc-backlink"></a>
</li>
<li id="fn-2" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Federal Reserve Bank of Minneapolis</span>, <span class="fn-title">Business Correspondent model boosts financial inclusion in India</span>.</span>
<a class="fn-backref" href="#fnref-2" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-2b" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-2c" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-2d" role="doc-backlink"></a>
</li>
<li id="fn-3" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Conduit Blog</span>, <span class="fn-title">What is M-Pesa? A Revolutionary Change in Africa's Digital Economy</span>.</span>
<a class="fn-backref" href="#fnref-3" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-3b" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-3c" role="doc-backlink"></a>
</li>
<li id="fn-4" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Centre for Public Impact</span>, <span class="fn-title">Mobile currency in Kenya: the M-Pesa</span>.</span>
<a class="fn-backref" href="#fnref-4" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-4b" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-4c" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-4d" role="doc-backlink"></a>
</li>
<li id="fn-5" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Wikipedia</span>, <span class="fn-title">Banking agent</span>.</span>
<a class="fn-backref" href="#fnref-5" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-5b" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-5c" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-5d" role="doc-backlink"></a>
</li>
<li id="fn-6" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Canada Gazette</span>, <span class="fn-title">Financial Consumer Protection Framework Regulations</span>.</span>
<a class="fn-backref" href="#fnref-6" role="doc-backlink"></a>
</li>
<li id="fn-7" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Finance Watch</span>, <span class="fn-title">Breaking down barriers to basic payment accounts in the EU</span>.</span>
<a class="fn-backref" href="#fnref-7" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-7b" role="doc-backlink"></a>
</li>
<li id="fn-8" role="doc-footnote">
<span class="fn-source"><span class="fn-author">EUR-Lex</span>, <span class="fn-title">Directive 2014/92/EU on payment accounts</span>.</span>
<a class="fn-backref" href="#fnref-8" role="doc-backlink"></a>
<a class="fn-backref" href="#fnref-8b" role="doc-backlink"></a>
</li>
<li id="fn-9" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Nature</span>, <span class="fn-title">Digital financial inclusion in micro enterprises: determinants and impact on ease of doing business</span>.</span>
<a class="fn-backref" href="#fnref-9" role="doc-backlink"></a>
</li>
<li id="fn-10" role="doc-footnote">
<span class="fn-source"><span class="fn-author">UK Government</span>, <span class="fn-title">Millions of people and businesses protected against debanking</span>.</span>
<a class="fn-backref" href="#fnref-10" role="doc-backlink"></a>
</li>
</ol>
</aside>
</div><!-- /.article -->
</div><!-- /.content-inner -->
</div><!-- /.content -->
</div>
<div class="post_nav">
<div class="older">
<h3>Previous</h3>
<p><a href="/blog/post/muck-rack-guide.html" class="nav-prev"><span>Muck Rack Guide</span></a></p>
</div>
<div class="newer">
<h3>Next</h3>
<p><a href="/blog/post/ontario-alabama.html" class="nav-next"><span>Ontario Falls Behind Alabama</span></a></p>
</div>
</div>
</div><!-- /.blog_content -->
</div><!-- /.blog_page -->
</div><!-- /#content -->
<div id="footer">
<p class="copyright">© 2025 RSP Works</p>
<p class="trees">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 1474 364.7" aria-hidden="true">
<use xlink:href="/art/symbols.svg#footer_trees"></use>
</svg>
</p>
</div>
</div>
</body>
</html>

186
blog/post/global-south-banking.html-BAK Normal file
View File

@@ -0,0 +1,186 @@
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:svg="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" xml:lang="en" lang="en">
<head>
<title>Global South Banking Leadership - RSP Works</title>
<link rel="stylesheet" type="text/css" href="/css/style.css" />
<link rel="icon" sizes="16x16" type="image/png" href="/favicon.png" />
<link rel="icon" sizes="32x32" type="image/png" href="/art/favicon-32x32.png" />
<link rel="icon" sizes="96x96" type="image/png" href="/art/favicon-96x96.png" />
<link rel="start" title="Home" href="/" />
<link rel="alternate" type="application/atom+xml" title="Blog" href="/blog/feed" />
<meta name="author" content="Raymond Scott Pert" />
<meta name="copyright" content="Copyright 2025 RSP Works" />
<meta name="robots" content="noarchive" />
<meta name="viewport" content="width=device-width, initial-scale=1" />
<meta http-equiv="Content-Type" content="text/html; charset=UTF-8" />
</head>
<body>
<div id="root">
<p id="skiptocontent"><a href="#content" accesskey="c">Skip to Content [alt-c]</a></p>
<div id="header">
<div class="inner_header">
<h1>
<a class="logo" href="/">
<svg xmlns="http://www.w3.org/2000/svg" width="54" height="30">
<use xlink:href="/art/symbols.svg#logo"></use>
</svg>
</a>
<span class="fluff"> </span>
<a class="title" href="/"><span>RSP Works</span></a>
</h1>
<h2>Sections</h2>
<ul class="tabs">
<li><a href="/blog/">Blog</a></li>
<li><a href="/consulting/">Consulting</a></li>
<li><a href="/projects/">Projects</a></li>
</ul>
</div>
<div class="header_background">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 4200 114.01">
<use class="header_tree" xlink:href="/art/symbols.svg#tree"></use>
<use class="header_ground" xlink:href="/art/symbols.svg#ground"></use>
</svg>
</div>
</div>
<div id="content">
<div class="blog_page">
<div class="blog_sidebar">
<div>
<h2>Recent</h2>
<ul>
<li><a href="/blog/post/ontario-alabama.html">Ontario Falls Behind Alabama</a></li>
<li><a href="/blog/post/global-south-banking.html">Global South Banking Access</a></li>
<li><a href="/blog/post/muck-rack-guide.html">Muck Rack for Growth</a></li>
<li><a href="/blog/post/mit-genai-divide.html">MIT GenAI Study</a></li>
<li><a href="/blog/post/keyu-jin-profile.html">Keyu Jin Profile</a></li>
</ul>
</div>
</div>
<div class="blog_content">
<div class="blog_post">
<div class="date">August 21, 2025</div>
<h2>When "Developing" Countries Lead: How the Global South Outpaces Canada and the EU on Banking Access for Entrepreneurs</h2>
<div class="content">
<p><em>A legal policy analysis revealing how supposed "third world" nations have built better financial inclusion frameworks than their wealthy counterparts</em></p>
<p>The regulatory geography of financial inclusion reveals an uncomfortable truth for wealthy nations: when it comes to ensuring banking access for low-income entrepreneurs and micro-enterprises, countries like India, Kenya, and Brazil have implemented more innovative, effective, and comprehensive solutions than Canada and the European Union.</p>
<h3>The Innovation Gap</h3>
<p>While Canada and the EU have focused primarily on consumer banking rights—leaving micro-enterprises in regulatory limbo between consumer protections and full commercial banking requirements—countries traditionally labeled as "developing" have built entirely new regulatory frameworks specifically designed for financial inclusion.</p>
<h3>India's Revolutionary Scale</h3>
<p>India's Business Correspondent model, launched in 2006, now serves almost 600,000 village habitations through 24,329 individual agents deployed across the country. This isn't just policy—it's a complete transformation of banking infrastructure that brings services directly to entrepreneurs' doorsteps.</p>
<p>Compare this to Canada, where banking protections explicitly exclude business accounts and FINTRAC's stringent KYC requirements impose uniform burdens on all businesses with no micro-enterprise relief. The result? Low-income entrepreneurs face the same regulatory obstacles as multinational corporations, while unreasonable credit bureau score requirements exclude those with thin credit files or past financial difficulties from basic banking access.</p>
<h3>Kenya's Mobile Money Revolution</h3>
<p>Kenya's M-Pesa serves over 40 million people with transaction volumes exceeding $100 billion in 2024—nearly transforming the entire economy. By 2014, M-Pesa transactions already represented almost half of Kenya's GDP.</p>
<p>This wasn't achieved through incremental reform but bold regulatory innovation. M-Pesa obtained a "special" license from regulators, despite concerns about non-branch banking adding to financial instability. Kenyan regulators chose inclusion over caution—and created a global model that bypassed traditional credit scoring entirely.</p>
<p>Meanwhile, the EU's Payment Accounts Directive, while comprehensive for consumers, excludes businesses from basic account rights, leaving micro-enterprises exposed to excessive de-risking practices that create documentation barriers beyond legal requirements—including impossible credit bureau thresholds for people whose economic activity doesn't fit traditional employment patterns.</p>
<h3>Brazil's Correspondent Banking Success</h3>
<p>Brazil's banking agent network facilitated 12.4 million new bank accounts within just five years and now comprises 56% of all points of sale in the Brazilian financial system, reaching all 5,561 municipalities.</p>
<p>This comprehensive approach stands in stark contrast to Canada's fragmented system, where micro-enterprises fall through the cracks between consumer protections that don't apply to them and commercial banking requirements they can't meet—compounded by credit bureau systems that penalize irregular income patterns typical of small-scale entrepreneurship.</p>
<h3>Why the Global South Succeeded</h3>
<p>The success of these "developing" nations stems from three key factors that wealthy countries have largely ignored:</p>
<h4>1. Necessity-Driven Innovation Beyond Traditional Banking</h4>
<p>Countries with massive unbanked populations couldn't afford to exclude anyone from financial services. Rather than creating separate tiers for "consumers" versus "businesses," they built inclusive frameworks that serve everyone—without requiring perfect credit histories or traditional employment verification.</p>
<p>India's BC model specifically helps financial institutions extend microloans and credit facilities to the underserved by completing detailed assessments and using digital records—treating micro-entrepreneurs as legitimate financial participants rather than regulatory afterthoughts, and focusing on actual economic activity rather than historical credit scores.</p>
<p>Kenya's M-Pesa allows farmers and informal workers in remote rural areas to receive payments for goods or services directly into their phones, eliminating cash requirements and reducing theft risks. No distinction between "personal" and "business" use, no credit checks for basic access—just financial inclusion for economic activity.</p>
<p>Brazil's correspondent banking reaches everyone through retail outlets ranging from supermarkets to lottery outlets, where clients can receive social payments AND access banking services—recognizing that low-income individuals often blend personal and micro-enterprise activities, and that traditional credit scoring systems systematically exclude those most in need of basic financial services.</p>
<h4>2. Regulatory Boldness That Transcends Traditional Categories</h4>
<p>These countries didn't ask whether someone had an acceptable credit score or fit standard "consumer" versus "business" categories—they asked whether they needed financial services and built frameworks accordingly.</p>
<p>Kenya's government owns 35% of Safaricom, which assisted in establishing a strong relationship with the Central Bank and getting M-Pesa deposits insured under the Deposit Protection Fund—treating mobile money users as citizens deserving protection regardless of credit history or use case.</p>
<p>India expanded Business Correspondent eligibility from just NGOs and MFIs to include individuals, local grocery shops, and for-profit companies—recognizing that inclusion requires diverse service providers, not institutional gatekeepers applying rigid creditworthiness standards.</p>
<p>Brazil pioneered branchless banking through distribution partnerships between banks, retailers, and technology providers, allowing unprecedented growth in bank outreach—focusing on access outcomes rather than regulatory purity or traditional risk assessment metrics that systematically exclude the economically vulnerable.</p>
<h4>3. Technology-First Infrastructure That Ignores Traditional Boundaries</h4>
<p>Rather than retrofitting old systems designed around branch banking, account categories, and credit bureau gatekeeping, these countries built new digital-native infrastructure designed for universal inclusion.</p>
<p>India's government now provides social welfare benefits digitally via direct benefit transfer, with bank accounts linked to biometric identification (Aadhaar) and cellphone numbers—creating seamless integration between identity, payments, and economic activity without requiring traditional credit verification.</p>
<p>M-Pesa enables users to send and receive money, pay bills, save, and even access credit and insurance, all through a mobile phone—treating financial services as basic utilities rather than privileged products requiring complex account structures and creditworthiness assessments.</p>
<p>Brazil's correspondent banking model involves partnerships between banks, several kinds of retailers, and technology providers—recognizing that inclusion requires ecosystem thinking, not institutional silos that exclude based on imperfect credit histories or non-traditional income patterns.</p>
<h3>The Wealthy World's Blind Spot</h3>
<p>Canada and the EU have fallen into the trap of assuming that robust consumer protections automatically translate to inclusive access for entrepreneurs. This assumption fails catastrophically for micro-enterprises, which face business-level compliance costs, onerous KYC documentation requirements, and unreasonable credit bureau score thresholds—all without the resources to meet such demands.</p>
<p>Even the EU's comprehensive Payment Accounts Directive has resulted in "persistent barriers due to affordability, excessive de-risking, and implementation gaps" despite years of implementation. Canada's situation is worse—there's no equivalent framework even attempting to address micro-enterprise banking access, leaving low-income entrepreneurs trapped by credit scoring systems designed for traditional employment patterns they don't fit.</p>
<h3>The Path Forward</h3>
<p>The lesson isn't that Canada and the EU should copy these models wholesale, but that they must abandon incremental thinking. The Global South succeeded because they:</p>
<ul>
<li>Created new regulatory categories for micro-enterprises rather than forcing them into consumer or commercial boxes</li>
<li>Embraced technology-enabled solutions rather than defending traditional banking models</li>
<li>Prioritized inclusion outcomes over institutional risk aversion and credit bureau gatekeeping</li>
<li>Built agent-based distribution networks to reach underserved populations</li>
<li>Abandoned credit score requirements for basic financial access in favor of alternative assessment methods</li>
</ul>
<h3>Conclusion: Leadership from Unexpected Places</h3>
<p>When a Kenyan farmer can receive payments instantly via mobile phone while a Canadian sole proprietor struggles with onerous documentation requirements and unreasonable credit score thresholds just to access basic banking, we must question our assumptions about where financial innovation truly flourishes.</p>
<p>The Global South's success in financial inclusion isn't despite their "developing" status—it's because necessity forced them to build better systems from scratch, unencumbered by legacy credit bureau systems that systematically exclude the economically vulnerable. Meanwhile, wealthy nations remain trapped by institutional inertia and risk-averse thinking that prioritizes perfect information over basic inclusion.</p>
<p>It's time for Canada and the EU to learn from their supposed pupils. In financial inclusion, the teachers have become the students.</p>
<p>The evidence is clear: regulatory innovation, not just regulatory sophistication, determines inclusion outcomes. Countries that dared to reimagine banking infrastructure—free from the tyranny of traditional credit scoring—have delivered transformative results that put wealthy nations' incremental reforms to shame.</p>
<div class="section">
<h4>References</h4>
<ol>
<li>Union Bank of India. "Business Correspondent Model."</li>
<li>Federal Reserve Bank of Minneapolis. "Business Correspondent model boosts financial inclusion in India."</li>
<li>Conduit Blog. "What is M-Pesa? A Revolutionary Change in Africa's Digital Economy."</li>
<li>Centre for Public Impact. "Mobile currency in Kenya: the M-Pesa."</li>
<li>Wikipedia. "Banking agent."</li>
<li>Canada Gazette. "Financial Consumer Protection Framework Regulations."</li>
<li>Finance Watch. "Report: Breaking down barriers to basic payment accounts in the EU."</li>
<li>EUR-Lex. "Directive 2014/92/EU on payment accounts."</li>
<li>Nature. "Digital financial inclusion in micro enterprises: understanding the determinants and impact on ease of doing business from World Bank survey."</li>
<li>Government of UK. "Millions of people and businesses protected against debanking."</li>
</ol>
<p><strong>About the Analysis:</strong> This article synthesizes findings from extensive research into Canadian and EU financial inclusion frameworks compared with innovative approaches from India, Kenya, and Brazil. The analysis draws from primary legal sources, regulatory guidance, and peer-reviewed studies to examine how different jurisdictions address systemic banking barriers for low-income entrepreneurs.</p>
</div>
</div>
</div>
<div class="post_nav">
<div class="older">
<h3>Previous</h3>
<p><a href="/blog/post/muck-rack-guide.html" class="nav-prev"><span>Muck Rack Guide</span></a></p>
</div>
<div class="newer">
<h3>Next</h3>
<p><a href="/blog/post/ontario-alabama.html" class="nav-next"><span>Ontario Falls Behind Alabama</span></a></p>
</div>
</div>
</div>
</div>
</div>
<div id="footer">
<p class="copyright">© 2025 RSP Works</p>
<p class="trees">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 1474 364.7">
<use xlink:href="/art/symbols.svg#footer_trees"></use>
</svg>
</p>
</div>
</div>
</body>
</html>

131
blog/post/keyu-jin-profile.html Normal file
View File

@@ -0,0 +1,131 @@
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:svg="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" xml:lang="en" lang="en">
<head>
<title>Economist Profile: Keyu Jin - RSP Works</title>
<link rel="stylesheet" type="text/css" href="/css/style.css" />
<link rel="icon" sizes="16x16" type="image/png" href="/favicon.png" />
<link rel="icon" sizes="32x32" type="image/png" href="/art/favicon-32x32.png" />
<link rel="icon" sizes="96x96" type="image/png" href="/art/favicon-96x96.png" />
<link rel="start" title="Home" href="/" />
<link rel="alternate" type="application/atom+xml" title="Blog" href="/blog/feed" />
<meta name="author" content="Raymond Scott Pert" />
<meta name="copyright" content="Copyright 2025 RSP Works" />
<meta name="robots" content="noarchive" />
<meta name="viewport" content="width=device-width, initial-scale=1" />
<meta http-equiv="Content-Type" content="text/html; charset=UTF-8" />
</head>
<body>
<div id="root">
<p id="skiptocontent"><a href="#content" accesskey="c">Skip to Content [alt-c]</a></p>
<div id="header">
<div class="inner_header">
<h1>
<a class="logo" href="/">
<svg xmlns="http://www.w3.org/2000/svg" width="54" height="30">
<use xlink:href="/art/symbols.svg#logo"></use>
</svg>
</a>
<span class="fluff"> </span>
<a class="title" href="/"><span>RSP Works</span></a>
</h1>
<h2>Sections</h2>
<ul class="tabs">
<li><a href="/blog/">Blog</a></li>
<li><a href="/consulting/">Consulting</a></li>
<li><a href="/projects/">Projects</a></li>
</ul>
</div>
<div class="header_background">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 4200 114.01">
<use class="header_tree" xlink:href="/art/symbols.svg#tree"></use>
<use class="header_ground" xlink:href="/art/symbols.svg#ground"></use>
</svg>
</div>
</div>
<div id="content">
<div class="blog_page">
<div class="blog_sidebar">
<div>
<h2>Recent</h2>
<ul>
<li><a href="/blog/post/ontario-alabama.html">Ontario Falls Behind Alabama</a></li>
<li><a href="/blog/post/global-south-banking.html">Global South Banking Access</a></li>
<li><a href="/blog/post/muck-rack-guide.html">Muck Rack for Growth</a></li>
<li><a href="/blog/post/mit-genai-divide.html">MIT GenAI Study</a></li>
<li><a href="/blog/post/keyu-jin-profile.html">Keyu Jin Profile</a></li>
</ul>
</div>
</div>
<div class="blog_content">
<div class="blog_post">
<div class="date">August 16, 2025</div>
<h2>Economist Profile: Keyu Jin</h2>
<div class="content">
<p>
Keyu Jin is Associate Professor of Economics at the London School of Economics whose research on China's economic transition and global role shapes international policy debates.
</p>
<h3>Background and Expertise</h3>
<p>
Born November 13, 1982, in Beijing. Education includes B.A. and Ph.D. in Economics from Harvard University. Current position at LSE, with advisory roles at World Bank, IMF, and Federal Reserve Bank of New York. Board positions at Richemont and Credit Suisse.
</p>
<p>
Research focuses on international macroeconomics, China's growth model and industrial strategy, global trade and financial imbalances, and innovation and private sector development.
</p>
<h3>Recent Analysis and Commentary</h3>
<p>
Regular contributor to New York Times, Financial Times, Nikkei Asia, and Project Syndicate. Recent Bloomberg analysis examined China's policy rebalancing toward consumption. Nikkei Asia piece argued China's economic challenges represent growing pains rather than structural problems.
</p>
<h3>Key Publications</h3>
<p>
"The New China Playbook: Beyond Socialism and Capitalism" (2023) offers perspective on China's economic model blending market innovation with state direction.
</p>
<h3>Policy Insights</h3>
<p>
Argues China can pursue high-end technology development while increasing domestic demand. Emphasizes private sector confidence restoration as crucial for economic recovery. Highlights generational shifts driving cultural and economic transformation.
</p>
<p>
Advocates cooperation and openness over isolationism for future growth, challenging assumptions about economic development paths.
</p>
<h3>Media Presence</h3>
<p>
Active in podcasts including FT Economics Show and The Rachman Review. YouTube appearances cover China's economy, trade policies, and US-China economic relationships.
</p>
<h3>Research Contributions</h3>
<p>
Bridges East-West understanding through academic research, policy analysis, and media engagement. Work explains not just current Chinese economic conditions but trajectory and global implications.
</p>
</div>
</div>
<div class="post_nav">
<div class="older">
<h3>Previous</h3>
<p><a href="/blog/post/freeman-educated-proletariat.html" class="nav-prev"><span>Freeman's 1970 Warning</span></a></p>
</div>
<div class="newer">
<h3>Next</h3>
<p><a href="/blog/post/mit-genai-divide.html" class="nav-next"><span>MIT GenAI Study</span></a></p>
</div>
</div>
</div>
</div>
</div>
<div id="footer">
<p class="copyright">© 2025 RSP Works</p>
<p class="trees">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 1474 364.7">
<use xlink:href="/art/symbols.svg#footer_trees"></use>
</svg>
</p>
</div>
</div>
</body>
</html>

130
blog/post/mit-genai-divide.html Normal file
View File

@@ -0,0 +1,130 @@
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:svg="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" xml:lang="en" lang="en">
<head>
<title>MIT GenAI Divide - RSP Works</title>
<link rel="stylesheet" type="text/css" href="/css/style.css" />
<link rel="icon" sizes="16x16" type="image/png" href="/favicon.png" />
<link rel="icon" sizes="32x32" type="image/png" href="/art/favicon-32x32.png" />
<link rel="icon" sizes="96x96" type="image/png" href="/art/favicon-96x96.png" />
<link rel="start" title="Home" href="/" />
<link rel="alternate" type="application/atom+xml" title="Blog" href="/blog/feed" />
<meta name="author" content="Raymond Scott Pert" />
<meta name="copyright" content="Copyright 2025 RSP Works" />
<meta name="robots" content="noarchive" />
<meta name="viewport" content="width=device-width, initial-scale=1" />
<meta http-equiv="Content-Type" content="text/html; charset=UTF-8" />
</head>
<body>
<div id="root">
<p id="skiptocontent"><a href="#content" accesskey="c">Skip to Content [alt-c]</a></p>
<div id="header">
<div class="inner_header">
<h1>
<a class="logo" href="/">
<svg xmlns="http://www.w3.org/2000/svg" width="54" height="30">
<use xlink:href="/art/symbols.svg#logo"></use>
</svg>
</a>
<span class="fluff"> </span>
<a class="title" href="/"><span>RSP Works</span></a>
</h1>
<h2>Sections</h2>
<ul class="tabs">
<li><a href="/blog/">Blog</a></li>
<li><a href="/consulting/">Consulting</a></li>
<li><a href="/projects/">Projects</a></li>
</ul>
</div>
<div class="header_background">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 4200 114.01">
<use class="header_tree" xlink:href="/art/symbols.svg#tree"></use>
<use class="header_ground" xlink:href="/art/symbols.svg#ground"></use>
</svg>
</div>
</div>
<div id="content">
<div class="blog_page">
<div class="blog_sidebar">
<div>
<h2>Recent</h2>
<ul>
<li><a href="/blog/post/ontario-alabama.html">Ontario Falls Behind Alabama</a></li>
<li><a href="/blog/post/global-south-banking.html">Global South Banking Access</a></li>
<li><a href="/blog/post/muck-rack-guide.html">Muck Rack for Growth</a></li>
<li><a href="/blog/post/mit-genai-divide.html">MIT GenAI Study</a></li>
<li><a href="/blog/post/keyu-jin-profile.html">Keyu Jin Profile</a></li>
</ul>
</div>
</div>
<div class="blog_content">
<div class="blog_post">
<div class="date">August 20, 2025</div>
<h2>MIT's GenAI Divide</h2>
<div class="content">
<p>
MIT research reveals significant gaps between generative AI spending and measurable business outcomes, with 95% of organizations reporting zero ROI despite $30-40 billion in investments during H1 2025.
</p>
<h3>Key Research Findings</h3>
<p>
Only 5% of integrated AI pilots generated millions in value. Over 80% of organizations explored tools like ChatGPT and Copilot, but nearly 40% deployed them primarily for individual productivity rather than business-critical outcomes.
</p>
<p>
60% evaluated enterprise-grade AI systems, yet only 20% reached pilot stage and just 5% achieved production deployment.
</p>
<h3>Implementation Challenges</h3>
<p>
Pilot-to-production conversion faces significant delays. Large enterprises require nine months or longer to scale, while mid-market firms move faster but still struggle with production deployment.
</p>
<p>
The core barrier is the "learning gap" - GenAI systems rarely retain feedback, adapt to context, or improve over time, leading to brittle workflows and user skepticism.
</p>
<h3>Success Patterns</h3>
<p>
Successful organizations treat AI as an ongoing learning process by embedding continuous feedback loops, demanding process-specific customization, and evaluating tools by business outcomes rather than technical benchmarks.
</p>
<h3>Strategic Implications</h3>
<p>
The "GenAI Divide" captures a stark split between high adoption levels and low transformation outcomes. This suggests fundamental misalignment between deployment approaches and business value creation.
</p>
<p>
Organizations must move beyond pilot project thinking to systematic integration strategies that address the learning gap through continuous improvement frameworks.
</p>
<div class="section">
<h4>Research Sources</h4>
<p>MIT Media Lab Project NANDA "The GenAI Divide: State of AI in Business 2025," Virtualization Review analysis, The Hill reporting on business profit impacts.</p>
</div>
</div>
</div>
<div class="post_nav">
<div class="older">
<h3>Previous</h3>
<p><a href="/blog/post/keyu-jin-profile.html" class="nav-prev"><span>Keyu Jin Profile</span></a></p>
</div>
<div class="newer">
<h3>Next</h3>
<p><a href="/blog/post/muck-rack-guide.html" class="nav-next"><span>Muck Rack Guide</span></a></p>
</div>
</div>
</div>
</div>
</div>
<div id="footer">
<p class="copyright">© 2025 RSP Works</p>
<p class="trees">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 1474 364.7">
<use xlink:href="/art/symbols.svg#footer_trees"></use>
</svg>
</p>
</div>
</div>
</body>
</html>

127
blog/post/muck-rack-guide.html Normal file
View File

@@ -0,0 +1,127 @@
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:svg="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" xml:lang="en" lang="en">
<head>
<title>Muck Rack for Growth - RSP Works</title>
<link rel="stylesheet" type="text/css" href="/css/style.css" />
<link rel="icon" sizes="16x16" type="image/png" href="/favicon.png" />
<link rel="icon" sizes="32x32" type="image/png" href="/art/favicon-32x32.png" />
<link rel="icon" sizes="96x96" type="image/png" href="/art/favicon-96x96.png" />
<link rel="start" title="Home" href="/" />
<link rel="alternate" type="application/atom+xml" title="Blog" href="/blog/feed" />
<meta name="author" content="Raymond Scott Pert" />
<meta name="copyright" content="Copyright 2025 RSP Works" />
<meta name="robots" content="noarchive" />
<meta name="viewport" content="width=device-width, initial-scale=1" />
<meta http-equiv="Content-Type" content="text/html; charset=UTF-8" />
</head>
<body>
<div id="root">
<p id="skiptocontent"><a href="#content" accesskey="c">Skip to Content [alt-c]</a></p>
<div id="header">
<div class="inner_header">
<h1>
<a class="logo" href="/">
<svg xmlns="http://www.w3.org/2000/svg" width="54" height="30">
<use xlink:href="/art/symbols.svg#logo"></use>
</svg>
</a>
<span class="fluff"> </span>
<a class="title" href="/"><span>RSP Works</span></a>
</h1>
<h2>Sections</h2>
<ul class="tabs">
<li><a href="/blog/">Blog</a></li>
<li><a href="/consulting/">Consulting</a></li>
<li><a href="/projects/">Projects</a></li>
</ul>
</div>
<div class="header_background">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 4200 114.01">
<use class="header_tree" xlink:href="/art/symbols.svg#tree"></use>
<use class="header_ground" xlink:href="/art/symbols.svg#ground"></use>
</svg>
</div>
</div>
<div id="content">
<div class="blog_page">
<div class="blog_sidebar">
<div>
<h2>Recent</h2>
<ul>
<li><a href="/blog/post/ontario-alabama.html">Ontario Falls Behind Alabama</a></li>
<li><a href="/blog/post/global-south-banking.html">Global South Banking Access</a></li>
<li><a href="/blog/post/muck-rack-guide.html">Muck Rack for Growth</a></li>
<li><a href="/blog/post/mit-genai-divide.html">MIT GenAI Study</a></li>
<li><a href="/blog/post/keyu-jin-profile.html">Keyu Jin Profile</a></li>
</ul>
</div>
</div>
<div class="blog_content">
<div class="blog_post">
<div class="date">August 21, 2025</div>
<h2>Muck Rack for Growth</h2>
<div class="content">
<p>
Muck Rack offers practical tools for bloggers, consultants, and social media users beyond its primary PR professional focus. Here's how to use it effectively for business development and media relations.
</p>
<h3>Media Monitoring Capabilities</h3>
<p>
Track conversations across news outlets, blogs, and podcasts with keyword alerts for topics and journalists. Real-time social media monitoring covers Twitter, Instagram, TikTok, and Facebook for direct audience engagement and trend identification.
</p>
<h3>Building Professional Relationships</h3>
<p>
Database includes profiles of journalists, bloggers, and influencers searchable by beat, outlet, or location. Platform shows recent articles and social media activity, enabling personalized outreach rather than generic pitches.
</p>
<h3>Portfolio and Credibility Building</h3>
<p>
Create public portfolios of published work to establish expertise. Track media mentions and citations to demonstrate influence and provide client reporting data.
</p>
<h3>Business Development Applications</h3>
<p>
Press release distribution reaches relevant media outlets directly. Custom media lists enable targeted outreach to specific industry contacts. Analytics measure content performance and engagement for strategy refinement.
</p>
<h3>Practical Implementation</h3>
<p>
Monitor industry topics for conversation opportunities. Identify journalists covering relevant subjects for content sharing. Track content citation and sharing patterns. Use engagement data to focus on effective strategies.
</p>
<h3>Considerations</h3>
<p>
Professional pricing structure requires cost-benefit analysis. Platform complexity benefits from tutorial and support resources. Value depends on consistent usage and relationship-building commitment.
</p>
<p>
Muck Rack functions as a comprehensive tool for anyone seeking to amplify their voice, build media relationships, and track their impact in the digital space.
</p>
</div>
</div>
<div class="post_nav">
<div class="older">
<h3>Previous</h3>
<p><a href="/blog/post/mit-genai-divide.html" class="nav-prev"><span>MIT GenAI Study</span></a></p>
</div>
<div class="newer">
<h3>Next</h3>
<p><a href="/blog/post/global-south-banking.html" class="nav-next"><span>Global South Banking</span></a></p>
</div>
</div>
</div>
</div>
</div>
<div id="footer">
<p class="copyright">© 2025 RSP Works</p>
<p class="trees">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 1474 364.7">
<use xlink:href="/art/symbols.svg#footer_trees"></use>
</svg>
</p>
</div>
</div>
</body>
</html>

289
blog/post/ontario-alabama.html Normal file
View File

@@ -0,0 +1,289 @@
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN"
"http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd">
<html xmlns="http://www.w3.org/1999/xhtml"
xmlns:svg="http://www.w3.org/2000/svg"
xmlns:xlink="http://www.w3.org/1999/xlink"
xml:lang="en" lang="en">
<head>
<title>Ontario Falls Behind Alabama - RSP Works</title>
<link rel="stylesheet" type="text/css" href="/css/style.css" />
<link rel="icon" sizes="16x16" type="image/png" href="/favicon.png" />
<link rel="icon" sizes="32x32" type="image/png" href="/art/favicon-32x32.png" />
<link rel="icon" sizes="96x96" type="image/png" href="/art/favicon-96x96.png" />
<link rel="start" title="Home" href="/" />
<link rel="alternate" type="application/atom+xml" title="Blog" href="/blog/feed" />
<meta name="author" content="Raymond Scott Pert" />
<meta name="copyright" content="Copyright 2025 RSP Works" />
<meta name="robots" content="noarchive" />
<meta name="viewport" content="width=device-width, initial-scale=1" />
<meta http-equiv="Content-Type" content="text/html; charset=UTF-8" />
</head>
<body>
<div id="root">
<p id="skiptocontent"><a href="#content" accesskey="c">Skip to Content [alt-c]</a></p>
<div id="header">
<div class="inner_header">
<h1>
<a class="logo" href="/">
<svg xmlns="http://www.w3.org/2000/svg" width="54" height="30" role="img" aria-label="RSP Works logo">
<use xlink:href="/art/symbols.svg#logo"></use>
</svg>
</a>
<span class="fluff"> </span>
<a class="title" href="/"><span>RSP Works</span></a>
</h1>
<h2>Sections</h2>
<ul class="tabs">
<li><a href="/blog/">Blog</a></li>
<li><a href="/consulting/">Consulting</a></li>
<li><a href="/projects/">Projects</a></li>
</ul>
</div>
<div class="header_background" aria-hidden="true">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 4200 114.01">
<use class="header_tree" xlink:href="/art/symbols.svg#tree"></use>
<use class="header_ground" xlink:href="/art/symbols.svg#ground"></use>
</svg>
</div>
</div>
<div id="content" class="footnote-doc">
<div class="blog_page">
<div class="blog_sidebar">
<div>
<h2>Recent</h2>
<ul>
<li><a href="/blog/post/ontario-alabama.html">Ontario Falls Behind Alabama</a></li>
<li><a href="/blog/post/global-south-banking.html">Global South Banking Access</a></li>
<li><a href="/blog/post/muck-rack-guide.html">Muck Rack for Growth</a></li>
<li><a href="/blog/post/mit-genai-divide.html">MIT GenAI Study</a></li>
<li><a href="/blog/post/keyu-jin-profile.html">Keyu Jin Profile</a></li>
</ul>
</div>
</div>
<div class="blog_content">
<div class="blog_post">
<div class="date">August 21, 2025</div>
<h2>Ontario Falls Behind Alabama</h2>
<div class="content">
<div class="content-inner">
<!-- ===== Main Article ===== -->
<div class="article" id="main-article">
<p><strong>Cross-Border Business Competitiveness: A Comparative Analysis of Alabama and Ontario&#8217;s Economic Performance Despite Divergent Domestic Rankings</strong></p>
<p><strong>Abstract:</strong> This study examines the paradoxical relationship between domestic rankings and cross-jurisdictional competitiveness through a comparative analysis of Alabama and Ontario. Despite Alabama&#8217;s position in the bottom decile of U.S. state business climate rankings, empirical evidence suggests it maintains superior performance relative to Ontario across multiple business efficiency metrics. This analysis challenges conventional assumptions about the relationship between domestic performance rankings and international competitiveness, offering insights for policymakers and business strategists in both jurisdictions.</p>
<h3>Introduction</h3>
<p>
The relationship between domestic performance rankings and cross-border competitiveness presents a complex analytical challenge for scholars and practitioners of economic development. This study examines a particularly striking case: Alabama, despite ranking 38th among the 50 U.S. states in the 2025 Tax Foundation State Tax Competitiveness Index
<a class="fn-ref" href="#fn-1" id="fnref-1" role="doc-noteref"><sup>1</sup></a>,
demonstrates measurable advantages over Ontario, Canada&#8217;s largest provincial economy, across several critical business efficiency dimensions.
</p>
<p>
Ontario, representing approximately 38% of Canada&#8217;s gross domestic product
<a class="fn-ref" href="#fn-2" id="fnref-2" role="doc-noteref"><sup>2</sup></a>
and home to over 14.7 million residents, serves as a compelling comparative case study. The province&#8217;s recent economic challenges, including business confidence that fell to a historic low of 13% in 2024 before recovering to 26% by year&#8217;s end
<a class="fn-ref" href="#fn-3" id="fnref-3" role="doc-noteref"><sup>3</sup></a>,
provide a backdrop against which Alabama&#8217;s relative strengths become apparent.
</p>
<h3>Literature Review and Theoretical Framework</h3>
<p>
Business competitiveness literature traditionally emphasizes the importance of regulatory efficiency, tax policy, and labor market dynamics in determining jurisdictional attractiveness.
Porter&#8217;s competitive advantage framework
<a class="fn-ref" href="#fn-4" id="fnref-4" role="doc-noteref"><sup>4</sup></a>
suggests that regional competitiveness stems from four key determinants: factor conditions, demand conditions, related and supporting industries, and firm strategy and rivalry. This study applies these theoretical constructs to examine how jurisdictions with poor domestic rankings can nonetheless maintain competitive advantages in cross-border contexts.
</p>
<h3>Methodology and Data Sources</h3>
<p>
This analysis employs a comparative case study methodology, utilizing data from multiple authoritative sources including the Tax Foundation,
Ontario Chamber of Commerce
<a class="fn-ref" href="#fn-3" id="fnref-3b" role="doc-noteref"><sup>3</sup></a>,
Alabama Department of Labor
<a class="fn-ref" href="#fn-5" id="fnref-5" role="doc-noteref"><sup>5</sup></a>,
and respective government statistical agencies. Data spans the period 2024&#8211;2025 to ensure currency and relevance.
</p>
<h3>Empirical Analysis</h3>
<h4>Alabama&#8217;s Domestic Performance Context</h4>
<p>
Alabama&#8217;s ranking of 38th among U.S. states in the 2025 State Tax Competitiveness Index reflects well-documented challenges including regulatory complexity and infrastructure deficits. The Tax Foundation notes Alabama&#8217;s 6.5% corporate income tax rate
<a class="fn-ref" href="#fn-6" id="fnref-6" role="doc-noteref"><sup>6</sup></a>,
which is among the highest in the Southeast, contributing to its lower domestic ranking.
</p>
<h4>Ontario&#8217;s Economic Challenges</h4>
<p>
Recent data from the Ontario Chamber of Commerce indicates that business confidence in the province reached a historic low of 13% in early 2024, though it recovered to 26% by year&#8217;s end. This decline correlates with increased regulatory burden, rising corporate taxation
<a class="fn-ref" href="#fn-7" id="fnref-7" role="doc-noteref"><sup>7</sup></a>,
and persistent labor market shortages across multiple sectors.
</p>
<h4>Comparative Performance Metrics</h4>
<table summary="Alabama and Ontario comparative performance metrics">
<tr>
<th>Performance Dimension</th>
<th>Alabama</th>
<th>Ontario</th>
<th>Analytical Implications</th>
</tr>
<tr>
<td>Corporate Tax Burden</td>
<td>6.5% state rate</td>
<td>
26.5% combined rate (15% federal + 11.5% provincial)
<a class="fn-ref" href="#fn-7" id="fnref-7b" role="doc-noteref"><sup>7</sup></a>
</td>
<td>Alabama maintains significant cost advantage of ~20 percentage points</td>
</tr>
<tr>
<td>Unemployment Rate</td>
<td>3.3% (December 2024)
<a class="fn-ref" href="#fn-5" id="fnref-5b" role="doc-noteref"><sup>5</sup></a>
</td>
<td>5.7% (December 2024)
<a class="fn-ref" href="#fn-2" id="fnref-2b" role="doc-noteref"><sup>2</sup></a>
</td>
<td>Alabama demonstrates tighter labor markets</td>
</tr>
<tr>
<td>Business Confidence Index</td>
<td>Stable employment growth
<a class="fn-ref" href="#fn-8" id="fnref-8" role="doc-noteref"><sup>8</sup></a>
</td>
<td>26% positive outlook (recovered from 13%)
<a class="fn-ref" href="#fn-3" id="fnref-3c" role="doc-noteref"><sup>3</sup></a>
</td>
<td>Alabama maintains more stable sentiment despite domestic challenges</td>
</tr>
<tr>
<td>Employment Growth</td>
<td>Record high employment and wages
<a class="fn-ref" href="#fn-8" id="fnref-8b" role="doc-noteref"><sup>8</sup></a>
</td>
<td>Labor shortages across sectors</td>
<td>Alabama shows stronger job creation momentum</td>
</tr>
</table>
<h3>Discussion and Policy Implications</h3>
<p>
The empirical evidence presented challenges conventional wisdom regarding the relationship between domestic rankings and cross-jurisdictional competitiveness. Alabama&#8217;s superior performance relative to Ontario across multiple metrics suggests that regional competitive advantage operates independently of national ranking systems
<a class="fn-ref" href="#fn-9" id="fnref-9" role="doc-noteref"><sup>9</sup></a>.
</p>
<p>
For Ontario policymakers, these findings indicate urgent need for comprehensive tax reform, regulatory streamlining, and infrastructure investment strategies. The province&#8217;s historical reliance on natural resource advantages and proximity to major U.S. markets may no longer provide sufficient competitive differentiation.
</p>
<p>
Alabama&#8217;s relative success, despite domestic challenges, suggests that targeted policy interventions in taxation and labor market development can yield significant competitive advantages. However, the state must address underlying structural weaknesses to improve its domestic standing while maintaining cross-border advantages.
</p>
<h3>Limitations and Future Research</h3>
<p>
This analysis is subject to several limitations, including reliance on available government and institutional data, potential measurement inconsistencies across jurisdictions, and the dynamic nature of economic conditions. Future research should examine longer-term trends and incorporate additional jurisdictional comparisons to validate these findings.
</p>
<h3>Conclusion</h3>
<p>
This study demonstrates that domestic performance rankings may not accurately reflect cross-jurisdictional competitiveness. Alabama&#8217;s ability to outperform Ontario across multiple business efficiency metrics, despite ranking 38th among U.S. states, suggests that policymakers and business strategists must look beyond national rankings when making investment and location decisions.
</p>
<p>
The findings have significant implications for economic development theory and practice, suggesting that targeted policy interventions can create competitive advantages that transcend broader systemic challenges. Both jurisdictions would benefit from evidence-based policy reforms that address their respective competitive weaknesses while building upon existing strengths.
</p>
<div class="section">
<h4>References</h4>
<ol>
<li>Tax Foundation. (2025). <em>2025 State Tax Competitiveness Index</em>.</li>
<li>Statistics Canada. (2024). <em>Provincial and Territorial Economic Accounts</em>.</li>
<li>Ontario Chamber of Commerce. (2025). <em>Ontario Economic Report 2025: Business confidence rises from 2024, but trade and cost pressures threaten growth</em>.</li>
<li>Porter, M. E. (1990). <em>The Competitive Advantage of Nations</em>. New York: Free Press.</li>
<li>Alabama Department of Labor. (2025). <em>Alabama&#8217;s Labor Force Participation Rate Increases to 57.7% in December</em>.</li>
<li>Alabama Department of Revenue. (2024). <em>Corporate Income Tax Information</em>.</li>
<li>Government of Ontario. (2024). <em>Corporate Income Tax</em>.</li>
<li>The Bama Buzz. (2025). <em>Alabama sets record highs in employment and wages for 2024</em>.</li>
<li>World Economic Forum. (2023). <em>Global Competitiveness Report 2023</em>.</li>
</ol>
</div>
</div><!-- /.article -->
<!-- ===== Footnotes (endnotes; become sticky sidenotes on wide) ===== -->
<aside class="footnotes" role="doc-endnotes" aria-label="Footnotes">
<h4>Footnotes</h4>
<ol>
<li id="fn-1" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Tax Foundation</span>, <span class="fn-title">2025 State Tax Competitiveness Index</span> <span class="fn-year">(2025)</span>.</span>
<a class="fn-backref" href="#fnref-1" role="doc-backlink" aria-label="Back to content"></a>
</li>
<li id="fn-2" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Statistics Canada</span>, <span class="fn-title">Provincial and Territorial Economic Accounts</span> <span class="fn-year">(2024)</span>.</span>
<a class="fn-backref" href="#fnref-2" role="doc-backlink"></a><a class="fn-backref" href="#fnref-2b" role="doc-backlink"></a>
</li>
<li id="fn-3" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Ontario Chamber of Commerce</span>, <span class="fn-title">Ontario Economic Report 2025</span> <span class="fn-year">(2025)</span>.</span>
<a class="fn-backref" href="#fnref-3" role="doc-backlink"></a><a class="fn-backref" href="#fnref-3b" role="doc-backlink"></a><a class="fn-backref" href="#fnref-3c" role="doc-backlink"></a>
</li>
<li id="fn-4" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Porter, M. E.</span>, <span class="fn-title">The Competitive Advantage of Nations</span> <span class="fn-year">(1990)</span>.</span>
<a class="fn-backref" href="#fnref-4" role="doc-backlink"></a>
</li>
<li id="fn-5" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Alabama Department of Labor</span>, <span class="fn-title">Labor Force Participation &amp; Unemployment</span> <span class="fn-year">(2025)</span>.</span>
<a class="fn-backref" href="#fnref-5" role="doc-backlink"></a><a class="fn-backref" href="#fnref-5b" role="doc-backlink"></a>
</li>
<li id="fn-6" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Alabama Department of Revenue</span>, <span class="fn-title">Corporate Income Tax Information</span> <span class="fn-year">(2024)</span>.</span>
<a class="fn-backref" href="#fnref-6" role="doc-backlink"></a>
</li>
<li id="fn-7" role="doc-footnote">
<span class="fn-source"><span class="fn-author">Government of Ontario</span>, <span class="fn-title">Corporate Income Tax</span> <span class="fn-year">(2024)</span>.</span>
<a class="fn-backref" href="#fnref-7" role="doc-backlink"></a><a class="fn-backref" href="#fnref-7b" role="doc-backlink"></a>
</li>
<li id="fn-8" role="doc-footnote">
<span class="fn-source"><span class="fn-author">The Bama Buzz</span>, <span class="fn-title">Alabama sets record highs in employment and wages for 2024</span> <span class="fn-year">(2025)</span>.</span>
<a class="fn-backref" href="#fnref-8" role="doc-backlink"></a><a class="fn-backref" href="#fnref-8b" role="doc-backlink"></a>
</li>
<li id="fn-9" role="doc-footnote">
<span class="fn-source"><span class="fn-author">World Economic Forum</span>, <span class="fn-title">Global Competitiveness Report 2023</span> <span class="fn-year">(2023)</span>.</span>
<a class="fn-backref" href="#fnref-9" role="doc-backlink"></a>
</li>
</ol>
</aside>
</div><!-- /.content-inner -->
</div><!-- /.content -->
</div>
<div class="post_nav">
<div class="older">
<h3>Previous</h3>
<p><a href="/blog/post/global-south-banking.html" class="nav-prev"><span>Global South Banking Access</span></a></p>
</div>
<div class="newer">
<h3>Next</h3>
<p><a href="/blog/" class="nav-next"><span>Back to Blog</span></a></p>
</div>
</div>
</div><!-- /.blog_content -->
</div><!-- /.blog_page -->
</div><!-- /#content -->
<div id="footer">
<p class="copyright">© 2025 RSP Works</p>
<p class="trees">
<svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 1474 364.7" aria-hidden="true">
<use xlink:href="/art/symbols.svg#footer_trees"></use>
</svg>
</p>
</div>
</div>
</body>
</html>