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The traditional retail bank branch is experiencing a growing decline in its presence. Driven by the rise of online and mobile banking, users are increasingly preferring to electronic channels for their financial needs. This shift has caused to a drop in branch openings, and many institutions are closing existing branches to reduce costs. However,

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 a range of devastating/alarming/concerning consequ