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Editor’s Note
Celebrating Excellence and Vision in Leadership
Leadershipisoftenmeasurednotjustby
decisionsmade,butbythetangibleoutcomes thosedecisionsproduce.Trueleaders combinedeepexpertisewithstrategicinsight, creatingprocessesandstructuresthatenhance performance,anddelivermeasurableresults.They buildteamsthatareefficient,aligned,andcapableof achievingobjectiveswhileoptimizingresources acrossmultipledomains.Beyondtechnical proficiency,suchleadersunderstandhowtotranslate complexchallengesintoactionablesolutions, strengtheningthefoundationoftheorganizations theyguide.
Inthisedition,HallofFame2026:TheOneWho MadeIt,InsightsSuccesshonorsaleaderwhose careerstandsasatestamenttodedication,skill,and lastingimpact.Thisspecialfeaturehighlightsa journeydefinedbyoperationalexcellence, meaningfulmilestones,andaconsistentdrivetoraise standards.
Throughdiscipline,strategicclarity,andthoughtful decision-making,thisindividualexemplifieshow perseveranceandvisionshapeenduringsuccess. Readersareinvitedtoexplorenotonlythe achievements,buttheprinciplesandmindsetthat madethempossible.
ThefeaturedexecutiveisaChiefFinancialOfficer with25yearsofexperienceleadingprivateequityownedcompanies.Withextensiveknowledgeacross manufacturing,cybersecurity,andtechnologysectors,
hehassuccessfullymanagedmergersand acquisitions,ensuredcompliancewithcomplex financialregulations,andledERPimplementations withprecision.Hisexpertisespansfinancial planning,strategicdecision-making,andglobal logistics,drivingoperationalefficiency,stronger profitability,andsustainablelong-termvalue.
Withexperienceacrossstart-ups,integrations,and high-growthenvironments,hedemonstratesarare abilitytobalancehands-onexecutionwithforwardlookingstrategy
Overthecourseofhiscareer,hehasbuilthighperformingteams,strengthenedorganizational efficiency,andalignedpeopleandcapitaltoachieve clearcorporateobjectives.Hisfocusoninventory andmaterialsplanning,processoptimization,and operationalexcellencereflectsadisciplined,resultsdrivenmindset.
Withaprovenabilitytoleadculturaltransformation andelevateperformance,hisachievementsserveas inspirationforprofessionalswhoaimtounite technicalexpertisewithstrategicimpact.Hiswork continuestocreatelastingvalue,demonstrating leadershipgroundedinskill,vision,andconsistent execution.
Let each page inspire reflection, purpose, and forward thinking!
Alaya Brown
Editor-in-Chief
Managing
Art
Business
Business
Digital
Co-designer
Marketing
The Signature Story
Someleadersaredefinednotbytheopportunitiesthey
inherit,butbytheonestheycreate.Theyare propelledbyadrivethatdoesn'tfadewithanewtitle oralargeroffice,adisciplinethatwakesthembeforethe alarmsounds,pushesthemtosolvetheproblemshidden insidethesolutions,andturnsorganizationaldistressintoa provinggroundratherthanadeterrent.
Incorporatefinance,wheremanyexecutivesmanagerisk byminimizingexposure,thereisararerkindofleaderwho movestowardcomplexitywiththeclarityofasurgeon approachingacriticalcase:steady,analytical,andcertainof thenextstep.ThesearetheCFOswhodon'tsimply safeguardenterprisevalue;theyexpandit.Theydon'tjust interpretthenumbers;theyextractthestory,thewarning, andtheopportunityembeddedwithinthem.Andwhen volatilityhits,theyaretheoneswhochartthepathforward, thenrebuildthefinancialarchitecturestrongerthanbefore.
HernanRizoisthatkindofleader
ADreamThatCrossedanOcean
Twenty-sixyearsago,ayoungmanfromColombiamade oneofthosequietlyseismicdecisionsthatonlyrevealtheir truesizeinhindsight.Hernanlefteverythingfamiliar behindandmovedtotheUnitedStates,notwith connections,notwithasafetynet,butwithavisionofwhat hislifecouldbecomeifheworkedhardenoughandsmart enoughtoearnit.TheAmericanDream,forhim,wasnever aguarantee.Itwasachallengeheacceptedwithbothhands.
Hebuilthisacademicfoundationwithprecision.Adegree inFinanceandAccountingcamefirst,followedbyanMBA fromtheUniversityofTexas,aninstitutionthatsharpened bothhisintellectandhisinstincts.Buttherealeducation,he wouldlatersay,camefromthefield.Itcamefromsitting insidestrugglingorganizations,watchinghowmoney moves,howdecisionsripple,andhowthedifference betweensurvivalandcollapseisoftenamatterofdiscipline andclarityappliedatexactlytherightmoment.
Today,thatyoungmanwhocrossedanoceanwithadream servesasChiefFinancialOfficerofTitanInternationalInc., acriticalmineralsmanufacturingcompanyatthecenterof U.S.DefenseandSpacesystems.Hernanisnotmaintaining thestatusquoatTitan;heisrewritingit.In2026,the companyissettodoubleinbothrevenuesandemployees, poweredbynewtechnologythatHernanhelpedposition Titantoharness.ThemanwhoarrivedinAmericawith
ambitionandaplanisnowsteeringacompanywhosework reachesthehighestlevelsofnationalstrategicimportance.
Awayfromtheboardroom,Hernan'sworldisequally intentional.Hegotmarriedalmost20yearsagoandis raisingtwosharp,college-boundchildrenonasprawling 16-acre,ranch-style,propertyinDoylestown,Pennsylvania. It'sahomethatfeelslikethephysicalexpressionofthelife hesetouttobuild.ForHernan,thecareerandthefamily arenotcompetingforces.Oneexistsbecauseoftheother.
WheretheCareerFoundItsSpine
Everydefiningcareerhasamomentwhereitstopsbeinga collectionofjobsandbecomesapointofview.ForHernan, thatmomentarrivedearly-intherealizationthat organizationsarenotrunbyspreadsheets.Theyarerunby people,shapedbysystems,andsteeredbydecisions.The numbersarenotthestory;theyareevidenceofthestory Onceheunderstoodthat,everyrolehetookbecamemore thanfinancialmanagement.Itbecameaboutorganizational transformation.
HernansteppedintotheprofessionalworldatMerrillLynch in2002,joiningtheinvestmentbankingdivisionand absorbingthepaceandprecisionofhigh-stakesfinancial work.Threeyearslater,hisentrepreneurialinstincttook over.HefoundedhisfirstcompanyinTexas,focusedon helpingoilandgasfirmsaccesstheprivateequitycapital theyneededtogrow.Butproximitytothesebusinesses quicklyrevealedahardertruth:moneyalonewasnotthe bottleneck.Leadership,structure,andstrategicclaritywere. So,hesteppedintotheCFOseatinsidetheseorganizations, determinedtosolvetheactualproblemratherthanthe surfaceone.
ThatinstinctledHernan,in2008,toTatumCFOPartners, thelargestprofessionalCFOorganizationinthecountryat thetime.Hebecametheyoungestmemberevertomake partner,amilestonethatspokenottoambitionalonebutto theraredepthofjudgmenthehadalreadydeveloped.Over hisyearsatTatum,herotatedthroughcompaniesofevery size,sector,andstageoflife-turnarounds,high-growth startups,privateequity-backedoperations,companies navigatingbankruptcy,andbusinessesreachingfor internationalmarkets.Eachrotationaddedanewlayerto hisunderstandingofwhataCFOtrulyis:notaguardianof numbers,butanengineofvalueandastewardofexecution.
ThatunderstandingcrystallizedintoaphilosophyHernan carriestothisday."Bringclaritywherethere'scomplexity, createstabilitywherethere'suncertainty,andbuildtrust throughtransparencyandservice."Itreadssimply.The careeritproducedisanythingbutsimple.
BuiltforFire
Hernanhasneverbeendrawntothecomfortablemiddleof thecorporatespectrum.Hisreputationhasbeenforgedin theplacesmostfinanceleadersquietlysidestep-companies intransition,organizationsinfreefall,businessesracing throughgrowthfasterthantheirsystemscanhandle,and enterprisesbeingrebuiltaftercollapse.Hehasworked acrossmanufacturing,healthcare,oilandgas,and technology,carryingthesameconvictionthroughevery industry:thatdisciplinedfinancialleadershipmakesits greatestimpactpreciselywherethepressureishighest.
Hisappetitefortheseenvironmentsisnotrecklessness dressedupasconfidence.Hemakesacleardistinction betweenriskthatiswell-governedandpurposefulversus riskthatissimplyimpulsive.Strategicacumenmatched withexecutionaldiscipline-thatcombinationiswhatkeeps organizationsmovingforwardwhentheterrainshifts beneaththemwithoutwarning.
AtTitanInternational,thatphilosophyisoperatingatfull force.Hernanissteeringthecompany'stransformationfrom afamily-ownedenterpriseintoaworld-classmanufacturing operation.Underhisfinancialstewardship,Titanisactively partneringwiththeU.S.FederalGovernmenttosecure
domesticprocessingandrefiningofrhenium,germanium, andothercriticalminerals,buildingsupply-chainresilience, reducingAmericandependenceonforeignsources,and contributingtonationalsecurityinwaysthatextendfar beyondanyquarterlyreport.
TheTestThatProvedthePhilosophy
WhenCOVID-19arrived,itdidnotaskorganizations whethertheywereready.Itarrivedwithoutnoticeand demandedanimmediateanswerfromeveryCFOinthe country.Hernan'sanswercameinstages,eachone deliberate.
Thefirstmovewasprotectingliquidity-tighteningcash management,renegotiatingtermswithpartners,optimizing workingcapital,andre-forecastingfinancialmodelsona weeklybasistokeeppacewithamarketthatwasrewriting itselfinrealtime.Alongsidethat,Hernanmade transparencyacornerstoneoftheresponse.He communicatedclearlyandconsistentlywithteams,lenders, andstakeholders,ensuringthatnoonewasnavigatingthe uncertaintywithoutasharedunderstandingoftheplan.Ina momentwhenconfusionwasspreadingfasterthanclarity, thatkindofcommunicationwasitselfaformofleadership.
Oncetheorganizationwasstable,Hernanshiftedthelens fromdefensetooffense.Heaccelerateddigital transformation,automatedprocessesthathadlongbeen donebyhand,restructuredpartsofthebusinesstorun leanerandfaster,andeliminatednon-essentialcostswhile leavingintacteveryinvestmenttiedtofuturegrowth.
Whatemergedontheothersidewasnotthesamecompany thatenteredthecrisis;itwasastronger,moreagile,and moremodernversionofit.Hernanhadturnedadefining testintoadefiningchapter
TheHumanArchitectureofLeadership
AskHernanabouthisleadershipstyleandhewillnottalk aboutauthority.Hewilltalkaboutservice.Inhisworld,the responsibilityofleadershipflowsupward-fromthe organizationtotheleader,nottheotherwayaround.He existsnottositabovehisteambuttoclearthepathinfront ofthem,todevelopthepeoplearoundhimratherthan controlthem,andtomeasurehisownsuccessbyhowwell othersarethriving.
Thatsamephilosophygovernshisapproachtobalance.He bringstohispersonallifethesameintentionalityhebrings toafinancialrestructuring-planningahead,communicating clearly,andadjustingquicklywhencircumstancesdemand it.Everyevening,withoutexception,hecooksdinnerfor hisfamily.Itisaritual,aboundary,andastatementof priorityallatonce.AccordingtoHernan,aleaderwho exemplifiestruebalanceallowshisstafftofollowsuit,and wheneveryonefeelsempowered,theorganizationasa wholeperformsbetter
PayingItForward
Hernan'sleadershipdoesnotstopatTitan'sdoors.He servesontheboardoftheCFOAlliance,acommunitybuilt byCFOs,forCFOs,wherehegiveshistimeandexperience tohelpnewandemergingfinanceleadersfindsteady groundinoneofthemostdemandingexecutiverolesthat exists.Heknowstheweightofthatseatbetterthanmost. Thescopeisbroadertoday,thestakesarehigher,the timelinesaretighter,andthestrategicexpectationshave grownbeyondanythingthetraditionalCFOroleonce required.Hernan'smissionistomakethattransitionless isolatingforthosewhoaresteppingintoitforthefirsttime.
ThePrincipleThatHoldsEverythingTogether
WhenHernanisaskedtodistill25yearsofexperienceinto somethingtransmittable,hedoesnotreachforaframework oraformula.Heoffersamantra: Stay curious, reliable, trustworthy, and deliver results. Fourwordsthatcarrythe weightofacareer.
Hebelievesinmomentumoverperfection-intakingthe nextrightstepratherthanwaitingfortheidealone.He believesthattrustistheinfrastructurethatmakes performancepossible,andthatrealprogressbelongsto leaderswhochoosetoelevatethepeoplearoundthem beforeelevatingthemselves.Thosearenotborrowedideas. Theyaretheprincipleshehasstress-testedacrossfive industries,dozensoforganizations,andmorecyclesof growthanddisruptionthanmostexecutivesencounterina lifetime.
AtTitanInternational,thoseprinciplesarealready producingresultsthattheindustryissittinguptonotice. Andinthelivesofeveryteammember,boardcolleague, andemergingCFOwhohascrossedhispath,theimpact runsdeeperthananymetriccanmeasure.
HernandidnotsimplycometoAmericaandsucceeded.He arrived,builtsomethingfromnothing,andspenthiscareer makingsureotherscoulddothesame.
Integrating Financial Strategy in withTechnology Risk Management
Cybersecurityisnolongeratechnicaloperationthat isexclusivetoITdepartmentsinthedigitalera, whichisgettingfasterandmoredigital.Ithas becomeastrategicfocusthathasadirectimpacton financialperformance,brandimage,andcompetitivenessin thelongterm.Thecybersecuritystrategyleadershipis becomingadecisivefactorintherealizationofsustainable growth,especiallywithorganizationscombiningfinancial strategyintechnologywithdetailedriskmanagement systems.Totechnologyindustryleaders,thisintegrationis notoptional,anditiscoretoresilienceandgrowthinan evermorecomplexthreatenvironment.
TheStrategicImperativeofCybersecurity
Themoreorganizationsundergotheprocessesofdigital transformation,themoreconnected,data-intensive,and reliantoncloud-basedinfrastructuretheybecome.This connectivityallowsbusinessestothriveininnovationand scalability,butitalsoputsthebusinessatriskofcyberattacksinransomwares,aswellasintellectualproperty theft.Theeconomicoutcomesofthesebreachesmaybe devastating,suchasregulatorypunishment,business interruptions,civilliabilities,andanegativeimage.
Thesevulnerabilitiesarehandledatthestrategiclevelby thecybersecuritystrategyleadership.Insteadofresponding toevents,leadersdeveloppreventivestructuresthatwill synchronizesecurityinterestswithcorporategoals.When organizationsincorporatecybersecuritywithintheoverall planningoftheenterprise,theyaretransitioningtoan offensiveapproachinsteadofadefensiveonethat,inturn, promotesinnovationanddevelopment.Thisway,thereisa guaranteethatsecuritymeasuresarestrengthenedandnota problemwithtechnologicalprogress.
IntegratingFinancialStrategyinTechnologywithRisk Management
Arobustcybersecuritystrategyleadershipneedstobe tightlyconnectedwithfinancialplanning.Theinvestments intechnology,beitartificialintelligence,cloudmigration, ordigitalplatformshavetheirownrisks,whichneedtobe evaluatedintermsofbothtechnicalandfinancialaspects. Bycombiningfinancialstrategyintechnologyandrisk management,organizationscanconsidercybersecurity effortsasnotexpensecentersbutrathervalue-savingand growth-makinginvestments.
Financialleadersareinstrumentalinthequantificationof cyberrisk.Theycanbeusedtotranslatetechnical vulnerabilitiesintofinancialimpactusingscenarioanalysis, riskmodeling,andcost-of-breachanalysis.Thisfinancial transparencyhelpsinmakinginformeddecisionsregarding securitybudgets,insurancecover,andcapitalallocation.As abudgetoncybersecurityisadjustedtothelevelofrisk exposureandstrategy,itisastabilityandtrustinvestment overanoverheadcost.
BalancingGrowthandProtection
Amajordilemmafacingindustryleadersinthetechnology sectorishowtointegrateveryfastinnovationandwelldevelopedriskmanagement.Thiscanbeunknowinglydone throughacceleratedproductreleasesandaggressivemarket expansion,whichleavesgapsinitssecurity.Incorporation offinancialstrategyintechnologyandriskmanagement wouldbeusedtoensurethatgrowthplansareconsidered withpossibleweaknesses.
Theprocessesofstrategicplanningaregradually implementedwiththeinvolvementofcybersecurity assessmentsduringthemergerandacquisition,theselection ofavendor,andtheimplementationoftechnology.Cyber maturityandincidentresponsecapabilitieshavenowbeen assessedaspartoffinancialduediligence.Organizations reducerisksofnullifyinglong-termreturnsbyinternalizing theseappraisalsintobiggerinvestmentsystems.
Cybersecuritystrategyleadershipisalsosubjecttochange. Thethreatenvironmentisdynamicandisbeingfueledby thedevelopmentofautomation,artificialintelligence,and geopoliticalconflicts.Financialmodelsshouldtakeinto considerationuncertainty,thecontingencyreservesareto bedistributed,andthesecuritysolutionsshouldbechosen infavoroftheirscalability.Managerswhoadoptagile
developmentplanningarebetterplacedtohandle unpredictabledisruptionswithoutaffectinggrowthpatterns.
BuildingOrganizationalResilience
Thefinalgoalofcybersecurity-financialstrategyintegration isresilience.Risk-awareorganizationsthatplan strategicallymanagetorecoverfasterincaseofanincident andretaintrustinthestakeholders.Theresilienceis cultivatedbytheleadersinthetechnologyindustrythrough investinginemployeetraining,incidentresponseplanning, andsystematicmonitoring.Thesearetakentominimizethe riskandtheconsequencesofcyberevents.
Notably,resilienceisacontributortoenterprisevalue.The preparednesstocybersecurityisbecomingaratingfactorof long-termfeasibilitybyinvestors.Firmsthathavegood leadershipintermsoftheircybersecuritystrategiesareless volatile,andthosethathavegoodgovernancewhichis appealingtobothshareholdersandotherstrategicpartners.
ThePathForward
Cybersecuritystrategyleadershipwillcontinuetoformthe coreoforganizationalsuccessasdigitalecosystemsbecome biggerandcyberthreatsincreasinglysophisticated. Combiningthefinancialstrategyintechnologyand controlledriskmanagementwillturncybersecurityintoan activerequirementintoagrowthinstrument.Leadersinthe technologicalindustrythatareembracingthisintegrated approachofferabetterplacementoftheirorganizationsto innovatewithalotofconfidenceandensuringthe protectionofimportantassets.
Intheend,ittakesmorethanaknowledgeoftechnologyto pushthegrowthinthedigitalage.Itrequiresleaderswho arecognizantofthefactthatsecurity,finance,andstrategy gohandinhand.Thisorganizesthecybersecurityefforts aroundfinancialgoalsandriskmanagementprinciples,thus providingorganizationswithaconsistentbasisfor sustainablegrowth.Throughthis,theydriveupconfidence, resilience,andlong-termcompetitiveadvantagesinamore digitalizedworld.
A Blueprint by Growth Strategy Leaders
Financialleadershipintechnologyisnowa characteristicoforganizationsthatsurviveand prosperintheageofdigital-firsteconomy,and whichfailtomaintainpace.Withincreasingspeedin technologyinnovationacrossindustries,corporate managementmustdecidebetweenambitiousproduct developmentandstrictfinancialmanagement.This balancingactivityhasmadetheleadersofgrowthstrategya keycomponentofbusinessperformance,astheyare workingatthepointofcontactbetweenbothfinance, innovation,andlong-termbusinessplanning.Theyarenot limitedtotheirtraditionalfinancialstewardshipfunctions, buttheyareforcesthatinfluencethesustainablegrowthin theverycompetitiveandever-changingmarkets.
FromTraditionalFinancetoStrategicPartnership
Inthepast,financialleadershipwasfocusedoncost management,regulatory,andproperreporting.Allthese responsibilitiesarestillbasic,buttechnology-driven companiesneedawiderstrategy.Thetechnologyaspectof financialleadershipnowrequiresaprogressiveanalysis, scenarioplanning,andaproactivepositioninleading investmentsininnovation.Technologyfirmstendtoinvest anenormouscapitalinresearchanddevelopment,platform infrastructure,andtalentacquisitionwithoutcashingin. Undertheseconditions,financialleadersshouldexamine thefeasibilityofinvestmentsandatthesametimetheir orientationtolong-termstrategicobjectives.
Thekeytothistransformationisplayedbythegrowth strategyleaders.Theycombinefinancialplanningwith corporatestrategy,andfiscalselections,therefore,donot
limitinnovationbutpromoteit.Thisincludesthemaritime knowledgeaboutproductlifecycles,markettiming,and competitivedynamicsaswellascustomeradoption patterns.Insteadofactingbeinggatekeepersofexpenditure, thecontemporaryfinancialleadersarestrategicconsultants whoworkhandinhandwithexecutiveunitsandoperations departments.Theirinformationassistsorganizationsto focusoninitiativesthatarebothriskyandopportunity based.
CapitalAllocationinInnovation-DrivenMarkets
Capitalallocationisoneofthegreatestrolesinfinancial leadershipintechnology.Technologycompaniesareunder continualpressuretocomeupwithinnovation,but resourcesarelimited.Makingdecisionsonwhichprojects shouldbeinvestedinwillrequirestrongfinancialmodeling, considerationofthereturnsthatarelikelytobeobtained, andanunderstandingofstrategicpositioning.Predictive analyticsandscenarioplanningaresomeofthetools appliedbygrowthstrategyleaderstotesttheirassumptions andpredictdiverseoutcomes.Thiswouldminimize uncertaintyandhelpinmakinginformeddecisions, especiallyinasectorwheredisruptionisaregularpattern.
Disciplineisalsoneededduringstrategiccapitalallocation. Excessiveallocationofresourcestospeculativeprojects mightresultinacrunchofcashflows,andinsufficient investmentmightresultinfailureofcompaniestoachieve groundbreakingopportunities.Goodfinancialleadership willmakesurethatinvestmentportfoliosarebalanced, diversified,andconnectedtolong-termcorporatevision.
OperationalEfficiencyandCostGovernance
Anotherimportantareaoffinancialleadershipin technologyisoperationalefficiency.Technologybusinesses tendtohavecomplicatedcostingframeworks,suchascloud infrastructureventures,cybersecurityinvestment,and specializedtalentacquisition.Theseexpendituresmayvery soonrunoutofcontrolwithoutstrictcontrol.Good financialexecutivesalsofocusontransparencyand accountabilityandproducesystemsthatmonitor performanceinrealtimeandshowinefficienciesatanearly stage.
Growthstrategyleadersfrequentlyencouragecollaboration betweenfinance,engineering,andoperationsteams. Combiningfinancialdatawithoperationalmetrics, organizationscanrevealcost-savingopportunitieswithout compromisinginnovativepower.Suchacombinedstrategy
developsresilienceandmakestheorganizationmore adaptivetonewmarketconditions.
NavigatingRisk,Uncertainty,andStakeholder Expectations
Scalabilityisoneofthedifferencesbetweentechnology enterprisesandmosttraditionalindustries.Theproductsof digitalnaturecangrowatafastrateinanymarketofthe world;however,theprocessofexpansionneedsthorough financialplanning.Theleadersneedtopredicttheflowof revenue,thecostofacquiringcustomers,andprojected changesindemandtrends.TechnologyFinancialleadership entailsmatchingexpansionstrategiestoactualfinancial forecasts.
Growthstrategyleadersscrutinizethemarketstatisticsand competitioninordertoknowwhentoexpand.They determinetheadequacyofinfrastructure,talent,andcapital reservesinaidinggrowth.Theiranalyticalfocuscanassist organizationstopreventoverextensionandevenensure stabilityintheiroperationseveninthetimewhenthe organizationisacceleratingataveryhighrate.
TheFutureofFinancialLeadershipinTechnology
Withthetransformationofindustriesbyemerging technologies,thesignificanceoffinancialleadershipin technologywillcontinuetoincrease.Thedevelopmentof artificialintelligence,automation,anddigitalinfrastructure requiressignificantamountsofinvestmentsandrisk evaluation.Theleadersofgrowthstrategiesneedto combinetheleveloftechnologicalliteracyandfinancial understandingtoleadorganizationsthroughcomplexityand change.
Financialleadershipintechnologyendsupbeingabuilding missiontocreatearobuststructurethatfacilitates innovationtoprotectfiscalwellness.Growthstrategy leadersgiveablueprintofsustainablesuccessby integratingdisciplinedfinancialmanagementandforwardlookingstrategy Theirskilltocombineanalyticalrigorwith strategicinsightmakessurethattechnology-driven organizationsarecompetitive,flexible,andatthelong-term growth.
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