
Combined Life Settlement Notes - no external credit warrantor
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The Problem: Three Crises Colliding
Sarah Martinez, a paralegal in Phoenix, received a layoff notice last month. The law firm installed
AI software that handles document review in minutes instead of hours. Sarah's 15 years of
experience became obsolete overnight.
Meanwhile, Marcus Johnson, a financial analyst in Detroit, watches his firm's trading algorithms
eliminate three positions each quarter. He knows his name will appear on the next list.
In rural Iowa, the Hendersons' farm uses robotic harvesters that require one operator instead of
twelve seasonal workers. The town's unemployment office stays busy while John Deere's profits
soar.
These families represent millions facing the same reality: AI creates enormous value while
eliminating human livelihoods.
Three concurrent crises demand immediate action:
Housing Crisis: Over 7 million American families cannot afford decent homes. Traditional
affordable housing programs primarily benefit wealthy investors through tax credits while families
remain trapped in rental cycles, never building wealth.
AI Displacement: Technology companies develop artificial intelligence in corporate isolation
while workers worry about job elimination. Communities bear the costs of technological
unemployment while seeing no benefits from AI progress.
Historical Injustice: Sites where people were enslaved remain symbols of exploitation while
technology development repeats old patterns—wealthy corporations extract value from
communities while residents bear costs without sharing benefits.
The Solution: Partnership Economics
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