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    <title>Kayad Liya — Journal</title>
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    <description>What we add, what we learn in the field, and the decisions worth explaining.</description>
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      <title>Why the credit book will stay free</title>
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      <description>This is not a launch promotion. It is a decision, and here is the reasoning behind it.</description>
      <pubDate>Sat, 05 Sep 2026 12:00:00 GMT</pubDate>
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