Analysis
SadaPay Biz: Revolutionizing International Payments for Freelancers
The world of freelancing has opened up a realm of possibilities for individuals to showcase their talents and expertise on a global scale. However, with this borderless landscape comes the challenge of navigating international payments, a process often riddled with complexities and hidden fees. Enter SadaPay Biz, a revolutionary financial solution that simplifies and streamlines international payments for freelancers, empowering them to focus on what they do best – creating exceptional work.
Navigating the Maze of International Payments: A Freelancer’s Dilemma
Freelancers, the trailblazers of the modern workforce, often find themselves entangled in the labyrinth of international payment systems. The traditional methods, often marred by hefty fees, lengthy processing times, and currency conversion hassles, can hinder their financial growth and global reach. SadaPay Biz emerges as a beacon of hope, illuminating a path towards seamless and hassle-free international transactions.
SadaPay Biz: Unveiling a World of Seamless Transactions
SadaPay Biz, a tailor-made financial solution for freelancers, eliminates the roadblocks that hinder their financial progress. With its user-friendly interface and innovative features, SadaPay Biz empowers freelancers to receive payments from clients worldwide with unparalleled ease and efficiency.
Embracing the Power of SadaPay Biz: A Freelancer’s Guide
- Creating a SadaPay Biz Account: Embarking on the journey to financial freedom with SadaPay Biz is as simple as creating an account. With a few clicks, freelancers can set up their SadaPay Biz account and unlock a world of seamless international transactions.
- Generating Payment Links: SadaPay Biz empowers freelancers to generate customized payment links, eliminating the need for sharing sensitive financial information. These links can be effortlessly shared with clients worldwide, ensuring a smooth and secure payment process.
- Accepting Payments Globally: SadaPay Biz breaks down geographical barriers, enabling freelancers to accept payments from clients across the globe. Whether it’s Mastercard, Visa, Apple Pay, or Google Pay, SadaPay Biz seamlessly processes payments from a wide range of platforms.
- Unparalleled Convenience: SadaPay Biz eliminates the hassle of currency conversions, automatically converting payments into Pakistani Rupees (PKR) at competitive exchange rates. Freelancers can bid farewell to hidden fees and enjoy the convenience of receiving payments directly into their SadaPay Biz accounts.
- Swift Settlements: SadaPay Biz understands the importance of timely payments for freelancers. With its efficient payment processing system, freelancers can receive their hard-earned money within two business days, ensuring a steady cash flow for their endeavours.

SadaPay Biz: A Boon for Freelancers
- Enhanced Financial Control: SadaPay Biz empowers freelancers with complete control over their finances. With real-time transaction updates and detailed transaction history, freelancers can effectively manage their income and expenses.
- Streamlined Invoicing: SadaPay Biz simplifies the invoicing process, allowing freelancers to create and send professional invoices to their clients with ease. This feature eliminates the need for external invoicing tools, saving time and effort.
- Empowering Global Growth: SadaPay Biz removes the friction from international payments, enabling freelancers to expand their clientele beyond borders. With seamless transactions and competitive exchange rates, SadaPay Biz fuels the global growth of freelancers.
SadaPay Biz: A Symbol of Trust and Security
SadaPay Biz is built on a foundation of trust and security, ensuring that freelancers’ financial information remains safe and protected. With its robust security measures and compliance with international standards, SadaPay Biz provides peace of mind to freelancers worldwide.
SadaPay Biz: A Catalyst for Freelancer Success
SadaPay Biz is an all-in-one payment solution designed to help freelancers succeed in their online businesses. With a focus on streamlining international payments, SadaPay Biz enables freelancers to expand their reach and achieve financial independence, all while keeping their focus on their craft.
By providing a secure and reliable payment gateway, SadaPay Biz takes the hassle out of payment processing, allowing freelancers to receive payments from anywhere in the world seamlessly. The platform also offers detailed reporting and analytics, giving freelancers a clear understanding of their finances, which enables them to make informed business decisions.
In addition to its payment processing features, SadaPay Biz provides a range of tools and resources to help freelancers grow their businesses. These include marketing and branding support, access to business networks, and educational resources on topics like financial management and business strategy. Overall, SadaPay Biz is an essential tool for any freelancer looking to take their business to the next level, offering a comprehensive suite of services designed to help them succeed in the competitive world of online business.
FAQs
1. What is SadaPay Biz?
SadaPay Biz is a financial solution designed specifically for freelancers to simplify and streamline international payments. It allows freelancers to receive payments from clients worldwide with ease and efficiency, eliminating the hassles of traditional payment methods.
2. What are the benefits of using SadaPay Biz?
SadaPay Biz offers numerous benefits for freelancers, including:
- Seamless international payments
- Competitive exchange rates
- Enhanced financial control
- Streamlined invoicing
- Secure and trusted platform
3. How do I create a SadaPay Biz account?
Creating a SadaPay Biz account is a simple and straightforward process. You can easily sign up for an account through the SadaPay website or mobile app.
4. How do I generate payment links with SadaPay Biz?
SadaPay Biz allows freelancers to generate customized payment links that can be shared with clients worldwide. These links ensure a secure and convenient payment process.
5. What payment methods does SadaPay Biz support?
SadaPay Biz supports a wide range of payment methods, including Mastercard, Visa, Apple Pay, and Google Pay. This flexibility allows freelancers to receive payments from clients across the globe.
6. How long does it take to receive payments through SadaPay Biz?
SadaPay Biz processes payments efficiently, ensuring that freelancers receive their payments within two business days. This quick turnaround time helps freelancers maintain a steady cash flow.
7. How does SadaPay Biz protect my financial information?
SadaPay Biz is committed to safeguarding the financial information of its users. It employs robust security measures and adheres to international standards to ensure the safety and security of your data.
8. How can SadaPay Biz help me grow my freelance business?
By streamlining international payments and providing competitive exchange rates, SadaPay Biz empowers freelancers to expand their clientele globally and achieve greater financial success.
9. What are the fees associated with using SadaPay Biz?
SadaPay Biz offers transparent and competitive fees, ensuring that freelancers retain more of their hard-earned income.
10. What customer support options are available for SadaPay Biz users?
SadaPay Biz provides dedicated customer support to assist freelancers with any queries or concerns they may have.
Data Networks
Top 10 Fastest Data Networks in Pakistan: The 2025 Ultimate Ranking
Struggling with slow internet in Pakistan? We ranked the top 10 fastest data networks for 2025. From Jazz and Zong to Flash Fiber and StormFiber, find out which provider actually delivers the speed you pay for.
Let’s be real for a second—there is nothing more frustrating than your internet dying right in the middle of a ranked PUBG match or buffering when you’re about to send a critical freelance project on Fiverr.
In Pakistan, “fast internet” is often just a marketing buzzword. ISPs promise blazing speeds, but what do you actually get when the load shedding hits or during peak hours?
To save you the headache (and the wasted money), we’ve analyzed the latest 2025 data from PTA, Ookla Speedtest, and Opensignal. We didn’t just look at advertised speeds; we looked at real user feedback, consistency, and coverage.
Whether you need 4G on the go or a stable fiber line for your home office, here is the definitive ranking of the 10 Best Data Networks in Pakistan for 2025.
The Methodology: How We Ranked Them
We combined Pakistan’s “Big 4” Mobile Networks with the top Fixed-Line (Fiber) providers to give you a complete picture. Our ranking is based on:
- Speed: Real-world Download/Upload Mbps.
- Reliability: Uptime and consistency during peak hours.
- Latency (Ping): Critical for gaming and video calls.
- Coverage: How widely available the service is.
1. PTCL Flash Fibre – The Comeback King

Overview:
Gone are the days of copper wire DSL nightmares. PTCL’s rebrand to Flash Fiber (FTTH) has been a game-changer, earning them Ookla’s “Best Fixed Network” award for 2024-25. It is currently the most widely available high-speed fiber option in the country.
The Stats:
- Max Speed: Up to 1 Gbps (in select areas)
- Avg Download: 30 – 100 Mbps (depending on package)
- User Base: Part of PTCL’s massive 138M+ broadband ecosystem
- Coverage: Nationwide (Major expansion in Tier-2 cities)
User Verdict: “The customer service is still ‘typical PTCL’ (slow), but once the Flash Fiber is installed, the speed is surprisingly stable and fast. Best ping for gamers in Punjab.”
2. Jazz 4G – The Mobile Speed Champion

Overview:
If you need speed without wires, Jazz is the undisputed king. Consistently winning “Fastest Mobile Network” awards, Jazz uses its massive spectrum to deliver the best 4G speeds in Pakistan, making it the go-to for travelers and heavy data users.
The Stats:
- Max Speed: 50+ Mbps (Peak 4G+)
- Avg Download: 24.23 Mbps (Ookla Verified)
- Subscriber Base: ~73 Million (Largest in Pakistan)
- Coverage: Extensive nationwide coverage, including remote northern areas.
User Verdict: “Expensive packages compared to others, but it works where others don’t. If you want 4G that feels like WiFi, Jazz is the only real option.”
3. Transworld Home – The Power User’s Choice

Overview:
Transworld is unique because they own their own undersea cables (TWA-1, SEA-ME-WE-5). This means they don’t rely on PTCL’s backbone, resulting in lower latency and fewer nationwide outages. They are arguably the fastest ISP in Karachi and Lahore for heavy downloaders.
The Stats:
- Max Speed: Up to 100 Mbps+ (Consumer plans)
- Avg Download: 33.44 Mbps (Highest median speed in 2025 tests)
- User Base: Niche (High-end users in Metro cities)
- Coverage: Karachi, Lahore, Islamabad (Selected areas)
User Verdict: “Zero buffering on Netflix 4K. Support can be slow to pick up the phone, but the internet rarely goes down.”
4. StormFiber – The Reliable Workhorse

Overview:
Backed by Cybernet, StormFiber set the standard for FTTH in Pakistan. They are famous for their “triple play” (Internet, TV, Phone) services. While their expansion has slowed slightly, their connection stability in covered areas is legendary.
The Stats:
- Max Speed: Packages up to 275 Mbps
- Avg Download: 20 – 60 Mbps
- User Base: dominant in Karachi/Hyderabad, growing in Punjab
- Coverage: 20+ Cities (Strongest in Sindh)
User Verdict: “I’ve had StormFiber for 3 years. It only disconnected twice. The best value for money if you want HD TV channels included.”
5. Zong 4G – The Consistency Leader

Overview:
While Jazz wins on raw speed, Zong wins on reliability. Zong 4G (owned by China Mobile) rarely suffers from the “dead zones” that plague other networks. It is widely considered the best network for consistent browsing and social media use.
The Stats:
- Max Speed: 35 Mbps
- Avg Download: 20.43 Mbps
- Subscriber Base: ~47 Million
- Coverage: Excellent in urban centers and CPEC routes.
User Verdict: “Speeds are decent, but the packages are much cheaper than Jazz. Great for students and social media scrolling.”
6. Nayatel – The Customer Service Gold Standard

Overview:
Nayatel is the “Apple” of Pakistani ISPs. They are slightly more expensive, but their customer service is lightyears ahead of the competition. If you live in Islamabad, Rawalpindi, or Faisalabad, this is the premium choice.
The Stats:
- Max Speed: 100 Mbps+
- Video Experience: Rated #1 for Streaming
- User Base: Concentrated in North/Central Punjab
- Coverage: Islamabad, Rawalpindi, Faisalabad, Peshawar
User Verdict: “If your internet goes down at 2 AM, a Nayatel engineer is there by 3 AM. You pay for the peace of mind.”
7. Optix – The Fiber Underdog

Overview:
Optix is a silent performer in the fibre game, mostly covering gated communities and high-end societies in Karachi and Lahore. They offer symmetric speeds (Upload = Download), which is a dream for YouTubers and content creators.
The Stats:
- Max Speed: 150 Mbps
- Avg Download/Upload: Excellent symmetry (e.g., 20 down / 20 up)
- Coverage: Limited (Bahria Town, DHA areas in major cities)
User Verdict: “Amazing upload speeds for backing up data. Just wish they covered more areas.”
8. Fiberlink – The “Unlimited” Speed King

Overview:
Fiberlink markets itself on raw, unadulterated speed, often boasting the highest Mbps per Rupee. They are popular among heavy downloaders who don’t care about TV or phone services and just want a fat pipe for torrents and gaming.
The Stats:
- Max Speed: Advertised up to 500 Mbps
- Price: Very competitive (often cheapest per Mbps)
- Coverage: Major Metros (Karachi, Lahore, Islamabad, Hyderabad)
User Verdict: “Insanely fast when it works, but support is hit-or-miss. Great for downloading large games quickly.”
9. Ufone 4G – The Budget Friendly Option

Overview:
Ufone doesn’t compete on raw speed like Jazz, but they have carved a niche for offering great “Super Cards” and voice clarity. With their recent acquisition of spectrum and 4G focus, they are a solid mid-tier option for users who value voice calls as much as data.
The Stats:
- Max Speed: 25 Mbps
- Avg Download: 10-14 Mbps
- Subscriber Base: ~25 Million
- Coverage: Nationwide (Strong in cities, weaker in rural fringes)
User Verdict: “Best voice quality in Pakistan. 4G is ‘okay’—good enough for WhatsApp and Facebook, but struggles with HD streaming.”
10. Telenor 4G – The Rural Connector

Overview:
Telenor rounds out our list. While their 4G speeds in cities have lagged behind competitors (ranking last in recent speed tests), they remain vital for rural Pakistan. In many villages where fiber hasn’t reached, Telenor is the only signal bar you’ll find.
The Stats:
- Max Speed: 15-20 Mbps
- Avg Download: 6-9 Mbps
- Subscriber Base: ~45 Million
- Coverage: exceptional rural footprint.
User Verdict: “Slow in Lahore, but it’s the only SIM that works in my village in AJK. A lifesaver for remote communication.”
Quick Comparison: Top 5 Leaders
| Rank | Network | Best For… | Speed Rating | Reliability |
| 1 | PTCL Flash Fiber | Overall Home Use | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐ |
| 2 | Jazz 4G | Mobile Speed | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐ |
| 3 | Transworld | Gaming (Low Ping) | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
| 4 | StormFiber | TV + Internet | ⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
| 5 | Zong 4G | Value & Social | ⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Final Recommendation
So, which one should you choose in 2025?
- For the Gamer: Go with Transworld Home or PTCL Flash Fiber. The fiber connection offers the low ping you need to avoid lag.
- For the Traveler: Jazz 4G is non-negotiable. It works on the highway, in the mountains, and in the city.
- For the Budget Student: Zong 4G or StormFiber’s lower-tier packages offer the best balance of price and performance.
What’s your experience with these networks? Drop a comment below and let us know which ISP is the true king of your city!
Analysis
The Government Shutdown’s Data Gap Is Pushing the US Economy Toward a Cliff
Discussing the U.S. economy is like piloting a sophisticated aircraft through a treacherous mountain pass. Success depends entirely on a constant stream of reliable data from the cockpit instruments. Today, in a stunning act of self-sabotage, Washington has smashed those instruments. The government shutdown economic data gap has plunged us into a statistical blackout, and the US economic outlook is obscured not by external forces, but by our own dysfunction.
This is not a passive statistical inconvenience. This economic data blind spot is an active, high-stakes threat. By failing to fund the basic operations of government, including the Bureau of Labour Statistics (BLS) and the Bureau of Economic Analysis (BEA), Congress has effectively forced the Federal Reserve, corporations, and investors to fly blind. This profound economic uncertainty paralyses investment decisions, chills hiring, and all but guarantees a policy error from a data-starved central bank.
The Fed’s Dilemma: Monetary Policy in a Blackout
The Federal Reserve’s entire modern mandate is “data-dependent.” Every speech, every press conference, every decision hinges on two key datapoints: inflation (the Consumer Price Index, or CPI) and employment (the jobs report).
Now, for the first time in decades, that data is gone.
The White House has already warned that the October jobs and inflation reports may be permanently lost, not just delayed. This economic data blind spot could not come at a worse time. The Fed is at a crucial pivot point, weighing when to begin Federal Reserve interest rate cuts to steer the economy clear of a recession.
Without the BLS data on jobs or the BEA data that feeds into inflation metrics, the Fed is trapped.
- If they cut rates based on “vibes,” as one analyst put it, they risk reigniting inflation and destroying their hard-won credibility.
- If they wait for clean data that may not come for months, they will be acting too late, all but ensuring the “soft landing” evaporates into a hard crash.
Fed officials themselves are admitting they are “driving in the fog.” This isn’t caution; it’s paralysis. We are forcing our central bankers to gamble with monetary policy, and the stakes are a potential recession.
Corporate Paralysis: Why the Data Gap Freezes Investment
This crisis of confidence extends far beyond the Fed. The private sector runs on the same official government data. A CEO cannot approve a nine-figure capital expenditure on a new factory or a C-suite cannot green-light a major hiring spree without a clear forecast.
That forecasting is now impossible. The shutdown impact on investment decisions is direct and immediate.
- Risk Assessment: How can a company model its five-year plan without reliable GDP report inputs or inflation projections?
- Market Sizing: How does a retailer plan inventory without understanding consumer spending or retail sales data?
- Financing: How can a company issue bonds or seek a loan on favourable terms when investors can’t accurately price risk in this environment of economic uncertainty?
When faced with a total lack of information, businesses do not take risks. They default to the safest, most defensive posture: they delay investment, freeze hiring, and hoard cash. This widespread corporate paralysis, in and of itself, is enough to trigger the very economic slowdown everyone fears.
The “Statistical Blind Spot” Has Real-World Consequences
This is not an abstract problem for Wall Street. The economic data blind spot is already hurting Main Street.
The Fed’s forced “hesitancy”—its inability to cut rates due to the data blackout—means borrowing costs stay higher for longer. That small business owner trying to get a loan to manage inventory is paying a higher interest rate. That family trying to buy a home is locked out by mortgage rates that could and should be falling.
The government shutdown economic data gap is a direct tax on American families and entrepreneurs. It’s the price we all pay for a manufactured crisis that has blinded our nation’s economic stewards.
Conclusion: An Unforgivable, Self-Inflicted Wound
The cost of this government shutdown is no longer just about furloughed workers or closed national parks. The real cost is the reckless, high-stakes gamble being placed on the entire U.S. economy.
We are in a fragile economic transition, and our political leaders have just ripped the gauges out of the cockpit. This economic data blind spot is a self-inflicted wound that injects profound risk into the system, invites a recession, and punishes everyday Americans. We must demand an end to this reckless “data blackout” immediately—before our leaders fly the economy straight into the mountainside.
Startups
The Last Stand of the Quarter-Pounder: Why Burger Chains are Dying?
The data points are no longer scattered anomalies; they are coalescing into a bleak, unmistakable pattern. A thousand stores here, three hundred there—the cumulative count of recent hamburger chain restaurant closures across the American landscape now resembles the casualty tally of a protracted, ill-advised war. This is not the typical cyclical contraction of the casual dining sector, nor can it be dismissed as a mere post-pandemic hangover. What we are witnessing is a seismic cultural shift, a profound and perhaps permanent re-evaluation of the entire fast-food premise by a newly discerning, financially strained, and digitally native public. The golden arches are dimming, the King’s castle is crumbling, and the clown is packing his oversized shoes. The foundational promise of speed, ubiquity, and uniform cheapness that powered this industry for seventy years is now the very liability driving its demise. This is not an economic adjustment; it is a cultural reckoning, signalling nothing less than the End of fast food as We Know It.
The Economic Cracks: A Debt-Ridden Colossus Topples
To understand the industry’s fall, one must first appreciate the inherent, almost hubristic, flaws in its architecture. The financial crisis unfolding now has its roots in decades of aggressive, often reckless, expansion fueled by an unsustainable debt model. Major fast-food corporations—often structured as heavily franchised entities—encouraged, if not mandated, an ever-increasing physical footprint. This strategy was predicated on perpetually cheap capital and a perpetually compliant consumer base. As a result, the industry became a stretched rubber band that finally snapped under the weight of modern economic reality.
Rising operating costs have intensified this pressure to an intolerable degree. The price of essential ingredients—meat, produce, oil—has become volatile and persistently high, squeezing margins already razor-thin at the traditional $5 meal mark. Simultaneously, the unavoidable necessity of raising labour wages, even marginally, has chipped away at the core economic logic of the model, which was built on the premise of low-skill, low-cost human labor. The simple math of 1970 no longer computes in 2025.
Adding insult to this financial injury is the self-inflicted wound of menu fatigue. In a desperate, often nonsensical, bid to recapture declining traffic, chains have introduced a dizzying, often contradictory array of limited-time offers and peripheral items. From specialty dipping sauces to bizarre international collaborations, the relentless pursuit of novelty has diluted the core value proposition. Does the consumer truly want a spicy barbecue bacon sourdough melt from a place famous for a simple patty and bun? This constant churn of inventory and preparation complexity strains kitchen operations, slows service, and ultimately confuses the customer, eroding the reliable, comforting simplicity that was once the industry’s hallmark. The debt is no longer serviceable, the product is no longer essential, and the operating environment is actively hostile. The system is structurally compromised.
The Cultural Reckoning: Premiumisation and the Liability of the Storefront
The most significant accelerant for these sweeping closures is the profound shift in consumer priorities. The modern diner, regardless of income bracket, is increasingly hostile to the industrial, factory-line approach to food preparation. The days when convenience and rock-bottom price trumped all other considerations are drawing to a close. Consumers are now demanding premiumization: better quality ingredients, transparency in sourcing, and, crucially, a product that feels crafted rather than assembled. This preference has empowered the “better burger” movement—local, regional, and speciality chains that charge two or three times the price of the legacy product but deliver a demonstrably superior experience. Why settle for a machine-pressed patty when, for a few dollars more, one can have hand-smashed beef on a brioche bun?
This cultural pivot has rendered the traditional fast-food dining experience—or the stark absence of one—a major liability. The plastic booths, the glaring fluorescent lights, the perfunctory service—it all screams of an anachronism. The act of eating a quick meal in a brightly lit box has lost its relevance. If the food is merely fuel, the environment is irrelevant. But if the food is an experience, the environment is everything. As a result, the vast, expensive real estate holdings of these chains—the drive-thrus, the ample parking lots, the indoor seating—are no longer assets generating return. They are millstones, dragging down balance sheets.
The true revolutionary factor is the digital migration. The pandemic accelerated the adoption of delivery and takeaway to such an extent that the physical shopfront’s primary function shifted from being a destination to a preparation hub. This shift has given rise to the phenomenon of ghost kitchens and virtual brands. These highly efficient, low-overhead operations—unburdened by real estate taxes, dining room staffing, or exterior aesthetics—can compete aggressively on price and speed, specialising in delivery-only models. Are the traditional chains not, in essence, just expensive, inefficient ghost kitchens with customer seating? The rise of the virtual kitchen exposes the exorbitant cost and redundancy of the legacy, brick-and-mortar operation. The market is teaching us that the most valuable part of a hamburger chain is the recipe and the logistics, not the building on the corner.
Conclusion and Future Forecast: The End of Fast Food’s Monolithic Era
The current wave of hamburger chain restaurant closures is a powerful, undeniable sign that the old covenant between corporate America and the casual diner has been broken. The illusion that a mediocre product, sold ubiquitously, could sustain an ever-expanding, debt-laden empire has finally shattered. The seismic cultural shift away from cheapness at all costs is permanent, driven by a simultaneous desire for better food and a better consumer experience, be that at a local artisanal spot or through a frictionless, digital transaction.
The chains that survive this reckoning will bear little resemblance to the monolithic empires of their heyday. They must confront their unsustainable debt model and radically shrink their physical presence. The future of the successful ‘fast-food’ entity will be defined by hyper-efficiency and hyper-specialisation. We are likely to see a proliferation of small-format, highly automated, delivery-focused outlets—essentially converting the existing brand into a sophisticated, national network of ghost kitchens and drive-thru-only express lanes. Technology, once a tool for convenience, will become a survival imperative, minimising the expensive human element while maximising delivery logistics.
The future of the hamburger is binary: either it is a high-craft, local indulgence defined by premiumization and a genuine dining experience, or it is a highly standardised, algorithmically managed virtual product delivered to your door. The comfortable, middle-ground mediocrity that sustained the giants is now a zone of extinction. The era of the giant, identical fast-food box on every highway exit is fading. The market has spoken: the consumer values quality and convenience delivered on their terms, not on the terms dictated by the corporations’ quarterly earnings reports. The fast-food industry, as we have always known it—a symbol of mid-century industrial efficiency and mass-market uniformity—is over. Its legacy is now merely a cautionary tale about the perils of believing that perpetual growth is an entitlement, rather than an achievement.
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