Monday, October 5, 2020

CloudCoin: Exclusive Adoption Strategy for Small Online Businesses

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What I am about to introduce you to requires some background information listed in my previous article ::::  Adoption Strategy for CloudCoin As a Digital Global Reserve Currency under the "PRECEPT #4.   Narratives Matter" header at :: Example #8.    Small Online Businesses (English-speaking).

Therefore, I strongly suggest that you read the article now if that is your very first time hearing about it.   (By the way, it's a very long article, therefore, be sure to set aside plenty of time to read and digest the content.) 

As you proceed to read the aforementioned article, you will notice that I strongly advised that CloudCoin Consortium should veer away from listing CloudCoin on cryptocurrency exchanges (the old tried-and-true cryptocurrency implementation strategy) and the reasons why - since CloudCoin is a pure digital currency.   

However, that being said, my advice was on a collision course with a "CloudCoin  cryptocurrency implementation strategy" which left the CloudCoin Consortium train station since 2017 and thus the Consortium felt that it had no choice but to continue down the cryptocurrency exchange railroad track until it reaches its final destination.   Or else, it would have been faced with mutiny aboard the train - a very undesirable prospect, to say the least.

Therefore, the following "Exclusive Adoption Strategy for Small Online Businesses" is a reflection of the reality that the CloudCoin digital currency will soon be listed (within days or weeks) on one or more cryptocurrency exchanges and how small-to-medium online businesses (mostly small businesses) can adapt to the facts on the ground.   After all, that's what life is all about - learning how to adapt in order to survive and flourish.     

Alright, now that you had a chance to absorb the information provided in my previous article, let me go over in detail the following excerpt from the article which matters to you the most:

Example #8.      Small Online Businesses (English-speaking)

Being a de facto digital global reserve currency,  CloudCoin is the ideal medium of exchange for 10-20% of  the total sales price of  all goods and services offered online to your small business customers or clients (NOT for the total sales price - and there is an excellent reason for that).  
 
That means each item for sale or service offered on your website will have a 2-tier pricing structure:    Tier 1 - An All Cash  transaction OR Tier 2 - A range of 80-90% of the sales price in your official currency unit AND 10-20% of the sales price in just the required number of CloudCoins needed to complete the transaction.  To that end,  an arm's length transaction  between a buyer and seller of goods and services using two (2) different currencies would take place and NOT a securities or investment transaction.  
 
This Revolutionary, 100% Decentralized and Highly Competitive Market-Based approach  to pricing allows every single merchant to implicitly dictate The Value of a CloudCoin to their own business on a per item basis (instead of some artificial value listed on a "pump and dump" cryptocurrency exchange).   

Why Payment in CloudCoin for 10-20% of the Sales Price of An Item?

Let's face it, right now as I write and as we speak, we live in a "fiat currency" world;  which means that, generally speaking,  all your business expenses and personal living expenses require the use of fiat currency.  

Therefore, unless you happen to have very deep pockets (i.e., plenty of cash in the bank and don't really depend on revenues from sales in order to keep your business afloat) and are only interested in amassing as many CloudCoins as possible,  then you will obviously want to receive a percentage of the payment for your products and services in your country's official currency unit or US dollars - to the extent that such percentage covers ALL your business and personal living expenses.   

Generally speaking, for many "small businesses" that are able to generate a profit,  the percentage of the sales price that is required to be paid in fiat currency can be anywhere from 80-90% of gross  revenues.   That means such small businesses can only afford to accept 10-20% of their gross revenues  in CloudCoins.  Otherwise, ........... (I'll let you fill in the blanks).                  

By the way, I am being very generous.  My 44 years of being an entrepreneur tell me that MOST small businesses don't really generate a profit.   Without INVESTORS, bank loans, lines of credit, HELOC (home equity line of credit),  the use of personal  AND business credit cards,  the raiding of personal savings and retirement and college student fund accounts, loans from family and friends, and sales of business and personal assets to keep the business going, 95% of them would NOT be able to survive for more than 30-90 days.     
In other words,  without DEBT, Investors or a Quick Exit Strategy,  the appearance of  a Thriving, Successful and Profitable Small Business is really nothing but SMOKE AND MIRRORS and pure bullshit

No One-Size-Fits-All For Determining The CloudCoin Payment Percentage

Therefore, once the decision to accept payment in CloudCoin has been made, The Real Question is:   Which item or service to accept payment in CloudCoin  and what should the CloudCoin Payment Percentage be?  Due to the simple reason that the profit margin per item, solution or service can vary wildly if your small business offers a variety of products, solutions and services.    

To wit, not all goods, solutions, services and their respective profit margins are equal.

Therefore, theoretically speaking, the Fiat Currency-CloudCoin pricing ratio for  

  • Item A - $50 Sales Price - could be 80% Fiat Currency [ $40 ] and 20%  in (one or more) CloudCoins ::   [ 2 CloudCoins for the $10 remaining balance 
  • Item B - $60 Sales Price - could be 85% Fiat Currency [ $51 ] and 15%  in (one or more) CloudCoins ::  [ 3 CloudCoins for the $9 remaining balance ]
  • Item C - $80 Sales Price - could be 90% Fiat Currency [ $72 ] and 10%  in (one or more) CloudCoins :: [ 1 CloudCoin for the $8  remaining balance ] 
  • Item D - $70 Sales Price - could be 95% Fiat Currency [ $66.50 ] and 5%  in (one or more) CloudCoins :: [ 5 CloudCoins for the $3.50  remaining balance ] 
  • Item E - $90 Sales Price - could be 50% Fiat Currency [ $45 ]  and 50%  in (one or more) CloudCoins :: [ 10 CloudCoins for the $45  remaining balance ]
  • Item F - $100 Sales Price - could be 100% Fiat Currency [ $100 ]  and 0%  in (one or more) CloudCoins :: [ 0 CloudCoins for the $0  remaining balance ] 
  • Item G - $100 Sales Price - could be 0% Fiat Currency [ $ -0- ]  and 100%  in (one or more) CloudCoins :: [ 100 CloudCoins for the $100  remaining balance ]
  • Item H - $500 Sales Price - could be 0% Fiat Currency [ $-0- ] and  100%  in (one or more) CloudCoins :: [ 1 CloudCoin for the $500  remaining balance ]
  • Item I - $500 Sales Price - could be EITHER 100% Fiat Currency [ $500 ]  OR 100%  in (one or more) CloudCoins :: [ 500 CloudCoins for the $500  remaining balance ]

YOU The Merchant Become a De Facto "Dynamic" CloudCoin Currency Exchange

Let us now analyze the Dollar Value assigned to each CloudCoin in each of the foregoing transactions:

  • Item A.   [ 2 CloudCoins for the $10 remaining balance ]  $ Value per CloudCoin :: $5  
  • Item B.   [ 3 CloudCoins for the $9 remaining balance ]  $ Value per CloudCoin :: $3  
  • Item C.   [ 1 CloudCoin for the $8  remaining balance ]  $ Value per CloudCoin :: $8
  • Item D.   [ 5 CloudCoins for the $3.50  remaining balance ]  $ Value per CloudCoin :: $0.70
  • Item E.   [ 10 CloudCoins for the $45  remaining balance ]  $ Value per CloudCoin :: $4.50
  • Item F.    [ 0 CloudCoins for the $0  remaining balance ]   $ Value per CloudCoin :: N/A
  • Item G.   [ 100 CloudCoins for the $100  remaining balance ]   $ Value per CloudCoin :: $1
  • Item H.   [ 1 CloudCoin for the $500  remaining balance ]   $ Value per CloudCoin :: $500
  • Item I.    [ 500 CloudCoins for the $500  remaining balance ]   $ Value per CloudCoin :: $1

You will notice that YOU the merchant - and NOT a Cryptocurrency Exchange - got to determine The Dollar Value of a CloudCoin on a Per Item / Per Transaction Basis.   In this case, anywhere from USD $0.70 - $500
In essence,  each small business gets to be their very own CloudCoin Currency Exchange

Other Determining Factors When Coming Up With a CloudCoin Payment Percentage

As stated earlier, the formula for determining the percentage (%) of the sales price of an item which can be paid in CloudCoin is primarily - but not exclusively - based on the need to receive payment in fiat currency which "covers all your business AND personal living expenses."   

Therefore, let us now look at other determining factors which can be taken into consideration.  

Factor #1.     As a Perishable Inventory Management Strategy.    In short,  to manage any sort of inventory with a limited shelf life.    

In which case,  depending on the expiration date of such inventory, you may decide to accept up to 100% of the sales price in CloudCoins.

Please note there is a big difference between  the "expiration date" and "use-by date" of an item.   For the simple reason that many items which come with an expiration date can still be consumed or used way past their expiration date.   In which case, such expiration date is really nothing more than a "guideline" or "recommendation."    However, items with a "use-by date" must be disposed of in accordance with the manufacturer's recommendations and local public health and safety laws, guidelines and procedures.       

Therefore,  NEVER sell an item which has an upcoming  "use-by date" anniversary for any amount of CloudCoins.    The potential headaches and negative publicity for CloudCoin and your organization are just not worth it.        

Factor #2.    To Get Rid of Excess Inventory.   In short, to remove excess inventory occupying valuable in-store or storage shelf space and tying up cash flow (while the  current value of CloudCoin is relatively low).   This can be items that are not moving out the door fast enough. 

In which case, you may want to offer a "Buy One, Get One for Only 1 CloudCoin" price. 

Factor #3.    To Get Rid of Obsolete Inventory.   In short, to get rid of stale inventory that you don't expect to sell, even at a heavily discounted price,  at any time into the future (while the  current value of CloudCoin is relatively low).  

In which case, you may want to offer a "Buy One for Only 1 CloudCoin" price. 

Factor #4.    To Introduce a New Product, Service or Solution (while the  current value of CloudCoin is relatively low).   In short, you get to kill 3 birds with one stone:   1) you get to Introduce A New Offering in a positive light;  2)  you also get to Introduce CloudCoin to your clientele in a buzz-generating light;  3) and you also get to Leverage CloudCoin in order to gain market share from your competitors.

For Example, after researching your competitors on the internet - including those who accept CloudCoin for payment - you may want to Offer For A Limited Time Only a very attractive sales price (in fiat currency) plus one or more CloudCoins for your new offering.   

In which case, the number of CloudCoins you will accept will be based not only on the fiat currency amount but also on the number of CloudCoins that your competitors are charging.  

To Illustrate:  

Upon research of your new offering on the internet,  you were able to identify a sales price range of  $99 - 149 from ALL your competitors. 

You also found out that only a handful of your competitors accept CloudCoin as payment based on one of the following CloudCoin payment options:   

  • CloudCoin Payment Option #1.   Full Payment in CloudCoins based on the current trading value of CloudCoin on Exchange XYZ
  • CloudCoin Payment Option #2.   Partial Payment in CloudCoins based on 50% of the Sales Price of their offering and the current trading value of CloudCoin on Exchange XYZ.
  • CloudCoin Payment Option #3.   Partial Payment in an arbitrary number of CloudCoins  based on 30% of the Sales Price of their offering (i.e., 70% cash / 30% in CloudCoins).    

Therefore, let us examine all of the possible scenarios that your online business may have to deal with:

Scenario #1.    Merchant or Service Provider Charges $99 and Does NOT Accept CloudCoin as Payment For Their Offering.    CloudCoin is trading on Exchange XYZ at $ .05 (5 cents) each.

  • In which case, you could price your offering at $90 in fiat currency plus  10 CloudCoins (with a retail value of 50 cents).    (Of course, be sure to highlight the current trading value of a CloudCoin on Exchange XYZ so your potential client doesn't suffer an anxiety attack.)   
Why only 10 CloudCoins when  you could have charged 200 CloudCoins?   The answer is simple:  

  • It's highly unlikely that your potential client knows anything at all about CloudCoin, let alone has any CloudCoins to spend.   Therefore, that person would have to go through the trouble and inconvenience of trying to acquire CloudCoins, regardless of how easy and seamless the process.
  • As well, there is a matter of "Customer Loyalty" you may have to deal with.  Therefore, before asking a prospect to switch to a new vendor,  it is critical that you provide them with the right incentives.  In which case, being able to save $8.50 on that single item is not a bad  deal at allOtherwise, they may decide that the trouble and inconvenience of trying to figure out how to get CloudCoins is just not worth their effort and thus walk away from your website.    

Scenario #2.    Merchant or Service Provider Charges $99 AND Accepts CloudCoin ::   Offers the foregoing CloudCoin Payment Option #1 - Full Payment in CloudCoins  ::  CloudCoin is now trading on Exchange XYZ at $ .05 (5 cents) each  :: which comes to a total of  1980 CloudCoins.

  • In which case, you could price your offering at $99 in fiat currency to be competitive
  • OR 1000 CloudCoins (with a current retail value of $50).    
(Of course, be sure to show the current trading value of CloudCoin on Exchange XYZ so your potential client will be bursting with enthusiasm about acquiring CloudCoins.  Keep in mind that this offer is for a limited time only.)   
Why only 1000 CloudCoins when  you could have charged many more CloudCoins and still be competitive?   The answer is simple:  

  • In addition to the reasons given at Scenario #1,  YOU, the Vendor or Service Provider,  are now assigning a trading value to each CloudCoin (that is unique to your business only).   
  • In this case, a $99 value item for only 1000 CloudCoins translates to a real trading value of roughly 10 cents per CloudCoin  [only at your establishment]  - instead of its current trading value of 5 cents on Exchange XYZ. 
  • This will further entice your new clients to obtain more CloudCoins on Exchange XYZ (at 5 cents) in the hopes of spending them over at your establishment (where they can get the most bang for their CloudCoin bucks)
  • That would in turn create a viral effect on social media and through "Word of Mouth" about your place of business being the ideal venue for people to spend their CloudCoins.
  • This will foster Real Competition among all Vendors and Service Providers which accept CloudCoin. This will spur them ALL to ignore the trading value of CloudCoin listed on an Exchange and begin to charge LESS CloudCoins for their offerings strictly on the basis of what the market will bear.   

Scenario #3.    Merchant or Service Provider Charges $129 and Accepts CloudCoin ::   Offers the foregoing CloudCoin Payment Option #2 - Partial Payment in CloudCoins based on 50% of the Sales Price ($64.50)  ::  CloudCoin is now trading on Exchange XYZ at $ .05 (5 cents) each  :: which comes to a total of  1290 CloudCoins for the balance due of $64.50.   The Total Transaction Amount is:  $64.50 plus 1290 CloudCoins

  • In which case, you could price your offering at $99 in fiat currency to be competitive
  • OR 1200 CloudCoins (with a retail value of $60) ::   
  • OR  $49.50 plus 500 CloudCoins (with a retail value of $25) which comes to a Total Retail Value of $74.50 ::  
(Of course, be sure to show the current trading value of each CloudCoin on Exchange XYZ so your potential client will be bursting with enthusiasm about acquiring CloudCoins.  Keep in mind that this offer is for a limited time only.) 
Why only $99 in fiat currency when you could have charged $119 and still be competitive?  The answer is simple:   
When you are looking for the cheapest price of an item on the internet, the tendency is to  always start your search at the vendor which offers the cheapest price (in this case, the price range happens to be $99 - 149).  Therefore, since you are offering a Limited Time Only promotion, it behooves you to keep your sales price at the lowest number within the range so that your website can be one of the first in line to visit.    
Why only 1200 CloudCoins when  you could have charged many more CloudCoins and still be competitive?   The answer is simple:  
It is for the same reasons given at  Scenario #2.    YOU, the Vendor or Service Provider,  are now assigning a trading value to each CloudCoin (that is unique to your business only).   In this case, a $99 value item for only 1200 CloudCoins translates to a real trading value of roughly 8.25 cents per CloudCoin [at your establishment]  - instead of its current trading value of 5 cents on Exchange XYZ. 
Why only 500 CloudCoins for the remaining 50% balance ($49.50) when  you could have charged many more CloudCoins and still be competitive?   The answer is simple:
It is for the same reasons given at  Scenario #2.    YOU, the Vendor or Service Provider,  are now assigning a trading value to each CloudCoin (that is unique to your business only).   In this case, a $49.50 value item for only 500 CloudCoins translates to a real trading value of roughly 9.9 cents per CloudCoin at your establishment  - instead of its current trading value of 5 cents on Exchange XYZ. 

Scenario #4.    Merchant or Service Provider Charges $149 and Accepts CloudCoin ::   Offers the foregoing CloudCoin Payment Option #3 - Partial Payment of an arbitrary number of 600  CloudCoins based on 30% of the Sales Price ($44.70) ::  which comes to an assigned trading value of  7.45 Cents per CloudCoin at your competitor's establishment.   CloudCoin is now trading on Exchange XYZ at $ .05 (5 Cents) each.   The Total Transaction Amount is:  $104.30 in fiat currency (70% of sales price) plus  600 CloudCoins (with a current trading value of $30) :: which comes to a Total Retail Value of $134.30.

  • In which case, you could show a Retail Price of $149 minus a Discount of $50 :: which comes to a Net Sales Price of  $99 in fiat currency 
  • OR 1800 CloudCoins (with a retail value of $90::::   
  • OR  $69.30 (70% of net sales price) plus 500 CloudCoins (with a current trading value of $25 on Exchange XYZ) for the remaining balance due of $29.70  :: which comes to a  Total Retail Value of $94.30.    In this case, the  $29.70 balance due for only 500 CloudCoins translates to a real trading value of roughly 5.94 cents per CloudCoin [at your establishment]  - instead of its current trading value of 5 cents on Exchange XYZ ::  
(Of course, be sure to show the current trading value of each CloudCoin on Exchange XYZ so your potential client will be bursting with enthusiasm about acquiring CloudCoins.  Keep in mind that this offer is for a limited time only.)   

Factor #5.     To Expedite the Sale of Reconditioned and Refurbished Inventory (while the  current value of CloudCoin is relatively low).    For example, you could accept CloudCoins on a 1 CloudCoin :: USD $1 basis - or any other basis you deem fit - for the value of many reconditioned or refurbished items. 
The net effect will be that your business will soon gain a reputation on the internet as the place to go for bargain hunters who are looking for lucrative deals which can be paid strictly with CloudCoins (excluding shipping costs).      

Factor #6.    To Accept CloudCoins As An Alternative Payment For Historical Loss Leaders  (while the  current value of CloudCoin is relatively low).    

For Example,   
  • Let us assume that CloudCoin is now trading on Exchange XYZ at $ .05 (5 Cents) ::
  • Milk is a Loss Leader for practically all major grocery stores in the United States ::
  • The average retail price for a gallon of milk in July 2020 is about $4 :: which translates to about  80 CloudCoins ::
  • Therefore, your grocery store could offer CloudCoin as an alternative payment option for that gallon of milk ::  USD $4  OR  80 CloudCoins  
In essence, what this means is that, as the value of CloudCoin rises, you have essentially turned your historical loss leaders into huge profit generators.    
For example, just one major supermarket division in the United States of America which covers 57 grocery stores sold over 480,000 gallons of milk just during the month of July.  
Just imagine if that supermarket division launched a major promotional campaign about accepting CloudCoin for ALL their Loss Leaders.   
Forecasting the Need For New CloudCoin Denominations

As I have amply demonstrated throughout this entire document, the need to concentrate on Retail Consumers WORLDWIDE (starting with over 70 English-speaking countries  and many others where English is spoken or understood or used in some form or another) is imperative in order for CloudCoin to become a digital global reserve currency.   
We are talking about nearly 3 billion people across the globe who either speak, read or understand English in some form or another.    Therefore, once CloudCoin begins to gain some serious traction in these countries, it can then begin to focus on the remaining 5 billion people scattered across the globe who basically live at subsistence level.   
What this means is that, at some point or another, sooner rather than later, once the trading value of CloudCoin on Exchange XYZ begins to break past USD $ .01 - .99 :: that crucial 1 Cent - 99 Cent range ::  such event will effectively render CloudCoin useless for your typical, ordinary and daily Retail Consumer transactions in many parts of the world.    

For the simple reason that these consumers are NOT paid in US dollars and their daily staples are NOT priced in US dollars.   
  • bread, milk, eggs, butter, 
  • mangos, apple, cherries, bananas, cane sugar stick, 
  • rapadou, cane sugar,
  • yams, potatoes,  plaintains, rice, beans, flour, 
  • meat, seafood,
  • cooking oil, lard, 
  • clairin, rum,
  • soap, lamp oil, kerosene, 
  • calico clothing apparel (dress, shirt, pants, etc.,)
Moreover, for those living in rural communities and remote villages ::: in essence, the majority of the  world's global population :::  who don't have access to 24-hour electricity and, therefore, have no choice but to purchase all perishable items at the local open air market on a daily basis  instead of making bulk purchases, any sharp appreciation or astronomical rise in the value of Cloudcoin would effectively render CloudCoin useless or impractical for everyday transactions in most parts of the world - and in many cases, even here in the United States,  and thus place it in the category of just another cryptocurrency and investment security.  
      
For Example, Imagine CloudCoin trading at just a measly $10 on  Exchange XYZ, and 
  • You are a Malaysian villager with CloudCoin on your smart phone :::
  • The Malaysian official fiat currency unit is MYR  (Malaysian Ringgit) :: and 1 MYR equals USD $ 0.24 :::  
  • Therefore, the value of 1 CloudCoin (which is now trading at USD $10) equals 41.52 MYR :::   
  • You go to the local open air market to purchase a dozen eggs  which cost 3.92 MYR  (Malaysian Ringgit) :: and comes to a total of USD $ 0.94 (94 Cents) :::
  • The Merchant accepts CloudCoin, however, the minimum CloudCoin denomination available to the entire world is One (1) CloudCoin :: which is now trading at USD $10 on Exchange XYZ and is equal to 41.52 MYR :::
  • Therefore, both YOU and the Merchant are faced with a serious dilemma:   Even though the Merchant is able to accept your CloudCoin (valued at 41.52 MYR), he has NO WAY of giving you any change due to you :: 37.6 MYR :: via his CloudCoin Merchant App or Software for the 1 CloudCoin you just gave him :::
  • Your only immediate option is to accept the 37.6 MYR change in fiat currency notes.  
However, if there were a CloudCoin Cent or CloudCoin Millicent denomination, then all you would have to do is pay the Merchant  9.44 CloudCoin Cents (rounded off to 9 CloudCoin Cents) :: OR 94. 41 CloudCoin Millicents (rounded off to 94 CloudCoin Millicents).  

Therefore, if I were a Merchant, I would rather accept 94 CloudCoin Millicents instead of 9 CloudCoin Cents (which results in a loss of .44 CloudCoin Cents).    
Why is that, you might say?  Well, should CloudCoin ever get to the point where it is trading at today's current value of Bitcoin (in the $11,000 range)  then that .44 CloudCoin Cents can amount to quite a chunk of money. 

And just to be on the safe side,  in order to avoid having to revisit this CloudCoin denomination issue ever again,  a CloudCoin Microcent should complete the full circle of denominations needed in order to use CloudCoin not only as a digital global reserve currency anywhere in the world but also for many other uses and applications that are beyond the scope of this paper. 

In Conclusion
  • The net result is that, eventually, the Actual Market Value of a CloudCoin will be based on a CloudCoin Global Index instead of an exchange.   Such index will determine the Average Trading Value of a CloudCoin  based on actual values assigned to each CloudCoin by a Universe of ALL Vendors and Service Providers who accept CloudCoin.   
  • Such market value will be extremely stable and impervious to manipulation by cryptocurrency traders, CloudCoin whales, the vagaries of the financial markets, DeFi encroachment and perversion, governments and all other malevolent or nefarious forces.
  • The net effect is that, down the road,  the Trading Value of CloudCoin on Exchange XYZ will converge with the Actual Market Value of CloudCoin, hence cause a ripple effect worldwide that will serve to establish, maintain and solidify the status of CloudCoin as a Digital Global Reserve Currency. 
In essence, this adoption strategy puts you in the driver's seat in terms of what the trading value of Cloudcoin will be over time, irrespective of any sort or amount of hype, smoke and mirrors, and any manipulation activities on the exchanges and the financial markets - or the result of governmental actions.   It allows you, The Merchant,  to completely bypass ALL Exchanges Worldwide and eventually set the Actual Market Value of CloudCoin.    

As well, for those who are only interested in CloudCoin as an investment vehicle,  these Exchanges allow them to proceed unimpeded,  without any sort of hindrance or encumbrances, in order to realize  the fruits of their investment.   A Win-Win Solution for all.
      
Let Us Manifest!








About Author:  Pierre Coupet, Q of Virtual Organization Management is the founder of Virtual Organization Management Institute (VOMI), VOMI Virtual Organization AcademyVirtual Organization LeadershipVOMI Global Think Tank, and Virtual Organization Recruiter :: founder of the modern virtual organization management and virtual organization recruitment disciplines pioneered since 1997:: founder of League of Extraordinary Virtual Organization Executives:: and Lead Architect of Futuristic City-State Enclave Based On a Civilized World Financial SystemContact Online; or via CHAT.


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