# Phase 5+ (2 - 4 years)

**Innovation focused on massive R\&D and multigenerational strategies to create universal access to basic rights of all people.**

![Click To Zoom In](https://2473928169-files.gitbook.io/~/files/v0/b/gitbook-legacy-files/o/assets%2F-Mh1SUj3ra-j-vOC-rTO%2F-MhZxtqcSvSUj7Z7Du8D%2F-MhZyrPI2UfjNkOlwG5C%2Fimage.png?alt=media\&token=31dfed9b-6d19-4f34-9587-f415aa6ae814)

* **Remove the debtors' mentality - by stopping the cycle and allowing it to be rapid.**
* **No unsecured/ illiquid debt.**
* **No more "equity" without cash flow or recourse to assets.**
* **Shift towards liquidity maintenance (let deposits compound) and yield scoring** 
* **Change repayment/salary credit scoring techniques.**


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