To follow this post, you need to know what a Nix expression is and have access to nix repl. No category theory, no algebraic effects, no free monads.
Another approach:
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The recent bankruptcy of Tricolor Holdings illustrates how bank lending to NDFIs can lead to significant losses, Moody’s said. However, many in the sector have been quick to point out that in cases such as Tricolor and First Brands, there is a distinction between fraud and credit issues driven by poor performance.