b'When weour own resources into our local businesses, investwe create a self-sustaining cycle of economic independence. Resources recirculate across our island, forming a model of regenerative wealth. Providing access to capital for our local community allows us to build a strong economic foundation.As loans are obtained and repaid, our pool of Kauai-based funding replenishes fuller than before. These growing deposits translate into extending capital and resources for families and businesses pursuing goals such as home ownership and business growth.21'