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  <!-- Climate risk & insurance data: Hurricane Melissa's 14-day CCRIF payout vs. 7-month homeowner claims, the property-data gap behind it -->
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  <!-- Credit infrastructure & data sovereignty: Creditinfo Group's 6 August 2026 acquisition of EveryData Group, consolidating credit bureaus across Jamaica, Barbados, Guyana and the ECCU under one foreign-headquartered operator, and the credit-invisible population the deal does not reach -->
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