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      "text": "1. FACILITIES: Increased sanitation and protective supplies. 2. HUMAN RESOURCES: Policy adjustments for travel, work from home, sick leave, quarantine. 3. FINANCE: Implications on liquidity, expenses, cash flow, capital adequacy, critical vendors. 4. IT & INFO SECURITY: Increased remote working capability and system load; bolstered data protection. 5. FRONT LINE: Temporary adjustments to branch hours and network, customer outreach, credit risk evaluation.",
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