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Every figure below is sourced. The story comes first, these are the evidence behind it.
Note: $90B is the estimated annual need; $74.5B is the portion that goes unmet. We keep the two distinct on purpose.
Cooperatives keep meticulous records. The problem is where: a paper ledger in a back office, figures in a WhatsApp thread, a survey app an NGO left behind. All real, none reconcilable, none a bank can act on.