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The traditional retail bank branch is experiencing a sharp decline in its presence. Driven by the explosion of online and mobile banking, customers are increasingly preferring to virtual channels for their financial needs. This shift has resulted to a drop in branch establishments, and many institut

Climate change is a grave/serious/pressing threat to the planet, posing significant risks/challenges/dangers to human societies and natural ecosystems. Driven/Caused/Influenced by human activities/increased greenhouse gas emissions/the burning of fossil fuels, climate change leads/results/causes in