MOST ADMIRED LEADER TO WATCH IN 2025
Beyond Tradi onal Advisory How Human-Centered Consul ng Drives Sustainable Business Results?
Lessons from Recent Market Vola lity Leadership in Banking During Economic Uncertainty
Senior Consultant 2 | Deloitte
WEAVING TOMORROW’S TAPESTRY:
Threads of Insight and Innovation
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Intoday’sdynamicworld,leadershipisnolonger
definedsolelybyauthorityorposition.Itisdefinedby vision,integrity,andtheabilitytoinspirepeople towardmeaningfulprogress.Aswestepfurtherinto2025, thedemandforleaderswhocombineempathywith innovation,resiliencewithforesight,andauthenticitywith resultshasneverbeengreater
ThisspecialeditionofCIOLooktitled, Most Admired Leader to Watch in 2025,shinesalightonindividualswho embodytheseveryqualitiesleaderswhoarenotonly shapingtheirorganizationsbutalsosettingnewbenchmarks forindustriesworldwide.Amongthem,weareproudto featureAkankshaSGulia,aremarkableleaderwhose journeystandsasatestamenttoperseverance,strategic acumen,andadeepcommitmenttoimpact.
Asreadersexplorethisedition,theywilldiscoverhow admiredleaderslikeAkankshaSGuliaarenotjustadapting tochangebutactivelycreatingit.Theyarereshaping industries,advocatingforinclusivity,andprovingthattrue leadershipliesinthecouragetoenvisionabetterfutureand thedeterminationtobringittolife.
Wehopethisissueleavesyouinspired,motivated,and readytoembracethespiritofleadershipthatdefines2025.
Akanksha’sstoryisoneofbreakingbarriersandcreating pathwaysforothers.Herapproachtoleadershiptranscends conventionalpracticessheprioritizescollaboration, nurturestalent,anddrivestransformationwithahuman-first mindset.Indoingso,shereflectstheevolvingnatureof leadershipintoday’sinterconnected,ever-changing environment.Herinfluenceextendsfarbeyondthe boardroom,inspiringbothpeersandthenextgenerationof professionalswholooktoherasarolemodel.
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Weaving
Threads of Insight and Innovation
16.
Beyond Traditional Advisory How Human-Centered Consulting Drives Sustainable Business Results?
Lessons from Recent Market Volatility
Leadership in Banking During Economic Uncertainty
18.
Senior Consultant 2
Deloitte
Someleadersmovewiththetide,othersbecomethe
tide,quietlyreshapingtheshorearoundthem.Ina worldgovernedbydisruptionandovernight transformation,themostadmiredleadersaren’ttrendfollowers,buttheoneswhoarepattern-spotters,acting decisivelybeforeopportunitiesslipaway.
AkankshaGulia,SeniorConsultant2atDeloitte,stands amongthisrareleague.Herinstinctfordecoding complexitytransformshigh-stakeschallengesintohighimpactstrategies.Sheblendsbusinessprecisionwitha people-firstmindset,focusingondeliverablesandaligning visionwithexecution,technologywithtransformation,and teamswithleadership.Akankshabringsclaritytochaos, whetherconsultingonlarge-scalesolutionsorsparking innovation.
Herinfluenceisn’tmeasuredbygrandgestures,butby steady,transformationalresults.Akankshaleadsnotby authority,butbywisdom,quietlyredefiningleadershipin modernconsulting.Asorganizationsreimaginethemselves for2025,sheisn’tjustkeepingpace,sheissettingthe direction.
Herjourneyremindsusthatthefutureisn’tdiscovered.Itis built,withcareandboldness,bythosewhoseactionsspeak louderthanwords.
Akanksha’sjourneyisdefinedbyconstantmovementand adaptability,rootedinafamilylegacyspanningthree generationsintheIndianDefenceServices.Growingup acrossdiverseregionsofIndia,shediscoveredthathomeis notafixedplace,butasenseofbelongingcreatedthrough opennessandempathy.
ImmersedinIndia’srichculturaltapestry,Akanksha developedadeepappreciationforconnection,inclusivity, andrespectfulleadership.Shereflects,“My family, which cherished tradition and welcomed difference, taught me that leadership is rooted in respect: for heritage, diverse viewpoints, and the stories that shape us.”Heracademic foundationinarchitecturesharpenedherabilitytofind opportunityinambiguityandstrengthenedherresiliencein facingchallenges.
Professionally,Akankshagravitatestowardrolesthatblend visionwithaction,consistentlybuildinginclusiveteams andchampioningpeople-centeredinnovation.Shethrives onempoweringothersanddrivingmeaningfulimpact.
I have learned that true leadership is not about having all the answers, but about asking the right questions and empowering others to find their own.”
Today,Akankshaleadswithculturalintelligence,empathy, andaclearsenseofpurpose,believingthatevery experienceandchallengehaspreparedhertoserve thoughtfullyandeffectivelyinanever-changingworld.
Akanksha’sprofessionalpathhasneverfollowedarigid blueprint.Itbeganwithapassionforarchitecture,a disciplinethattaughthertoseepossibilitiesinempty spacesandtodesignenvironmentsthatfosterconnection. Througharchitecture,shedevelopedadeeprespectforthe relationshipbetweenformandfunction,andalasting curiosityaboutthehumanexperience.
Hergrowingfascinationwiththeintersectionofpeople, technology,andcultureinspiredhertoexplorethehuman storiesbehindinnovation.Akankshaembraceddesign thinkingasamethodologyandamindsetrootedin empathy,adaptability,andmeaningfulimpact.
Thisperspectivenaturallyguidedhertransitionintouser experienceandstrategy,whereshebegancraftinghumancenteredsolutionsacrossdigitalproducts,organizational cultures,andbusinesstransformations.Akankshabelieves thatthemosteffectivesolutionsemergefromadeep understandingofpeople’sneedsandaspirations.
Whattrulydefinesherapproachisacommitmentto bridgingdisciplinesandconnectingdiverseperspectives. Shebelievesinnovationflourisheswhenitblendstheart andscienceofexperiencedesignandisanchoredby purpose.
Shenotes,“I have learned that true leadership is not about having all the answers, but about asking the right questions and empowering others to find their own.”
Herjourneycontinuestoevolve,drivenbyapassionfor impactandpurposeful,human-centeredinnovation.
ForAkanksha,thepursuitofbalancehasneverbeenabout achievingperfectsymmetrybetweenworkandlife,but abouthonoringthenaturalseasonsofeach,knowingwhen toleaninandwhentostepback.Herprofessionaljourney hastakenheracrossbordersandtimezones,oftenrequiring rapidadaptationandcomfortwithambiguity.Throughout everytransition,herfamilyhasremainedhersteadfast anchor.Dailyconversationswiththem,whetherbriefor leisurely,serveasherreset,groundingherinwhattruly matters.
Shehaslearnedthatresilienceislessaboutrelentless enduranceandmoreaboutbeingattunedtoherneedsand limits.Therehavebeentimeswhenworkcalledforherfull creativeenergy,andotherswhenrestandreflectiontook precedence.Sheintentionallymakesspaceformovement, stillness,andlaughter,relyingonpersonalritualstorestore andrefocus.
Culturalintelligenceprofoundlyshapesherapproachto bothleadershipandlife.Navigatingdiverseenvironments hastaughthertorespectdifferentrhythms,communicate boundaries,andcreatespaceforotherstodothesame. Whenchallengesarise,sheleansintotransparencyand collaborativeproblem-solving,believingthataskingfor helpfosterstrustandbuildscollectivestrength.For Akanksha,fulfillmentisfoundinintegratingpurpose, connection,andself-careacrossallaspectsoflife.
ArichtapestryoflivedexperiencesshapesAkanksha’s leadershipstyle,timeswhenshewasanewcomer,a challenger,andaconnectoracrossculturesanddisciplines. Leadingglobalteamshastaughtherthatauthentic leadershipisrootedinstewardshipandtheabilitytounlock collectiveintelligence.Sheseesherselfasacatalyst, fosteringtrustandamplifyingthestrengthsofothers.
Groundedinculturalagilityandapeople-firstmindset, Akankshavalueslisteningdeeplyandembracingdiverse perspectives.Herdecision-makingprocessblendsintuition withanalysis,alwaysconsideringthehumanimpact.
My family, which cherished tradition and welcomed difference, taught me that leadership is rooted in respect: for heritage, diverse viewpoints, and the stories that shape us. ”
Sheviewsambiguitynotassomethingtofear,butasa spaceforgrowthandinnovation.Lastly,Akankshastates, “What has propelled my success is the courage to unlearn and reinvent, the humility to learn from setbacks, and the conviction to lead with empathy and purpose.”
BoldPivotfromChallengetoCollectiveTriumph
Akanksha’spassionisrootedinamosaicofexperiences shapedbyuncertainty,boldpivots,andtheprivilegeof witnessingpeople’stransformativepotential.Sheisdrawn totheintersectionwherechallengemeetspossibility,and collaborationtransformstheunfamiliarintoopportunity
Earlyinhercareer,beinganoutsidertaughthertolisten deeply,askcourageousquestions,andupliftunheard voices.Guidedbyculturalintelligence,sheexcelsat readingcontext,sensingtheunspoken,andadapting empathetically.Whatfuelsherisweavingtogetherdiverse cultures,disciplines,andperspectivesintoaunified purpose.Akankshathriveswhenhelpingothersgrow, creatingenvironmentswherepeopleflourishandpotential becomesreality
Akanksha’sVoyageofTrustandTransformation
TracingthearcofAkanksha’scareer,herdefiningmoments oftenarosefromdiscomfort,catalyststhatsparked profoundgrowth.Hergreateststrengthliesinherappetite fortheunknown.Whethernavigatingunfamiliarcitiesor enteringnewindustries,shehaswelcomedeachchallenge asanopportunitytolisten,adapt,andreimaginewhat’s possible.
Empathyhasbecomehercompass,guidinghertobridge dividesandfostergenuinebelonging.Akankshaexcelsat championingothersandnurturingearlypotentialinto confidenceandmeaningfulimpact.Herjourneyhasalso demandedpersonalreflection.Onceviewingresilienceas self-reliance,shehasembracedvulnerabilityasasourceof strength.ForAkanksha,trust,collaboration,andinnovation flourishwhengrowthbeginswherecertaintyends.
ForAkanksha,achievementisnotachecklist,butaliving tapestrywovenfrommoments,lessons,andmeaningful connections.Growingupintheever-changingworldofa navalfamily,shelearnedearlytoembraceuncertainty, celebratediversity,andfindmeaningintheunfamiliar.
Culturaldancebecameherfirstbridgetotheworld, blendingheritagewithglobalconnection.“My journey has always been a pursuit of breadth: the exhilaration of crosscountry running, the grace of horse-riding, the discipline of karate, the precision of piano (Royal School of Music, London), the harmony of singing, and the teamwork of athletics and soccer instilled in me resilience, focus, and the courage to step into the unknown,”mentionsAkanksha.
My journey has always been a pursuit of breadth: the exhilaration of cross-country running, the grace of horse-riding, the discipline of karate, the precision of piano (Royal School of Music, London), the harmony of singing, and the teamwork of athletics and soccer instilled in me resilience, focus, and the courage to step into the unknown.”
Herachievementsspanpersonalandprofessionalarenas: earningabluebeltinkarate,ranking11thinstateScience andMathsOlympiads,andfinishingamongDeloitte’stop 10SpringChallengeparticipants.Shethrivesatthe intersectionofpersonalgritandcommunity
Professionally,herimpactisrecognizedthroughDeloitte’s ‘OurFinestHour’Awardfortransformativeworkin BankingandCapitalMarkets.
Akankshadefinesleadershipasalegacyshapedbygrowth, empathy,andpurpose,strivingtobuildaninclusive, human-centered,andextraordinaryfuture.
ForAkanksha,leadershipisnotadestination,buta dynamicjourneyshapedbycuriosity,courage,and compassion.Herpathhasbeennon-linear,spanningdiverse industries,cultures,andmomentsofreinvention.What defineshermostisthewillingnesstostepintounfamiliar territoryandtrulylisten.Earlyinhercareer,shediscovered thatprofoundbreakthroughsarisefromhumility,asking questions,andembracingdiverseperspectives.
Culturalintelligenceservesashercompassforleading globalteams.Shebelievesthatempathyandagenuine efforttounderstandandwelcomedifferingviewstransform diversityintoastrategicadvantage.Adaptabilityanchors herapproach,encouragingexperimentation,unlearning,and innovationamidambiguity.
Aboveall,Akankshastates,“My advice is to lead with purpose and heart. Ask yourself: What legacy do I want to leave? Define your mission not by titles or accolades, but by the lives you touch and the bridges you build.”She measuressuccessnotbytitles,butbyherimpactonpeople, theculturessheshapes,andthelegacyofpossibilityshe fosters.ForAkanksha,leadershipmeansliftingothers, amplifyingstrengths,andinspiringanenduringshared vision.
Akanksha’sjourney,markedbyconstantmovementanda willingnesstoembracetheunfamiliar,hastaughtherthat realprogressdemandsempathy,boldaction,andagenuine appreciationfordiverseperspectives.Shebelieves transformationisrootedinlisteningdeeply,leadingwith curiosity,andcultivatingaculturewherebelongingand innovationflourish.
Herexperiencesdemonstratethattrueprogressbeginsby honoringeverystoryintheroom.Akankshathrivesby listeningacrosscultures,embracingdiscomfortasacatalyst forgrowth,andempoweringteamstoturndifferencesinto collectivestrength.
Inthecurrentbusinessenvironment,companiesare
alwaysunderthepressureofgrowthcoupledwith sustainabilityinthelongrun.Whileconventional consultingparadigmsfocusonsystems,financesolutions, andoperationaleffectiveness,theydonotgivedue recognitiontothemostcriticalingredientinanysuccess tale—thepeople.
Thatiswherehuman-centricconsultinghascomeinasan equallypotentalternative.Byputtinghumanneeds, motivations,andbehaviorsatthecenterofdecisionmaking,itnotonlyimprovesorganizationalperformance butalsosetsthestageforsustainablebusinessoutcomes.
Essentially,human-centeredconsultingisamethodology thatacknowledgeshumanbeingsasthekeydriversof organizationalsuccess.Itisnotaquestionofimposing standardframeworksorapplyingblueprints-for-allanswers.
Rather,itisaquestionofacknowledgingtherealpeople's experiencesandthencraftingstrategiesoutofit. Consultantsadoptingthisapproachmarryempathy,cocreation,andresponsivenesstocraftsolutionspeopleown andarealignedwithlong-termbusinessgoals.
Thispeople-firstphilosophyborrowsfromdesignthinking andchangemanagementbutisprocessesandtools.Itis creatingsharedownership,establishingtrust,andthe emphasisonmakingorganizationalstrategiesworkforthe humansthattheyserveandimpact.
Themajorityofchangeeffortsfailbecausethehuman factorisassumed.Anorganizationcanspendalotonnew technology,butifitdoesnottrainstafforevengetthemto useit,itgoesnowhere.Likewise,asustainabilityinitiative canhaveveryimpressive-lookingreportsbutloseif stakeholdersarenotemotionallyinvestedinitspurpose.
Human-focusedconsultingsidestepsthesepitfallsby acknowledgingthatpeoplearenotrecipientsofchangebut agentsofchange.Inengagingthepeople,organizationsget morebuy-in,lessresistance,andanadaptabilityculture. Theoutcomeisnotonlysmootherimplementationbutalso strategiesthatlastlongbeyondshort-termrewards.
Today,sustainabilityisnotaboutcomplianceorbeinggreen responsible;it'saboutbuildingbusinessesthatcanendure fordecades.Peoplestrategiesinherentlycontributetothis effortbyleadingtoinnovation,improvingretention,and buildingcustomerloyalty
Considerdigitaltransformationasanexample.Aconsultant concernedwithpeoplewouldnotonlybeinterestedinthe technicalroll-outbutalsointhemannerthattheemployees playwiththenewsystem,howthecustomergainsfromthe change,andhowitservesthefunctionofthecompany Focusingonthepeoplewillbringasmootherroll-out, reducedisruption,andyieldhigherreturnsoninvestment. Whenindividualsareworkingtowardsthemissionofan organisation,theyaregoingtodedicatetheirenergiesforits long-termsustenance.
HowHuman-CenteredConsultingPerformsintheReal World?
Therealityofpeople-focusedconsultingstartsthrough empathylisteningtostakeholdersandemployeesattentively toheartheiractualneeds.Consultantsthenworkwiththe individualsmostimpactedtoco-createastrategythatturns themintostakeholders.Theremustbeflexibility,asevery twoorganizationsareuniqueandstrategiesneedtoadaptto shiftingconditions.
Forexample,withafirmthatisbeingrestructured,classic consultingcanbeaimedatcostmanagementonly.Peopleorientedconsultingwouldaddressitself,inthesameway, withthefears,expectations,andconcernsofemployees.By havingstaffcontributetothedesignofthenew organizationalconfiguration,leadersareabletomaintain morale,buildloyalty,andpreventproductivityblowingup intransition.Incustomer-orientedbusinesses,thisisno exception.Companiesthatengagecustomersactivelyin designingtheirproductshaveahigherprobabilityof establishingstrongerrelationshipsandachievinggreater brandloyalty
Therehastobecommitmentfromleadershipforhumancenteredconsultingtosucceed.Leaderswillhavetodo morethansetobjectives;theywillhavetoadoptempathy
andtransparencybehaviors.Whenleadersareseentolisten genuinelywell,speakfreely,andpracticeinclusive tendencies,theemployeeswillbemoreprobabletotrust andadoptorganizationaltransformation.
Leadersaretheoneswhomakechangestick,though consultantsassistinmakingthatpossible.Leaderscreatean environmentinwhicheveryoneisheardandvaluedand throughsodoingestablishtheconditionsuponwhich sustainableresultsareguaranteedtoensue.
Itisnotalwaysastraightforwardthingtodo.Itinvolves givinguptop-down,data-drivendecision-makingand takingonmoreparticipative,longer-termapproaches.This ispainfultoorganizationsthatareresult-focusedinthe shortrun.Therewillberesistance,particularlyin organizationsconditionedtotheoldmodelofdoing business.Buttherewardmoreengagement,more innovation,andmoresustainablebusinesspracticesfar outweighsthepainatfirst.
Asglobalpressuresfromclimatechange,digitaldisruption, andsocialresponsibilitybuild,thedemandforhumancenteredsolutionswillgrowevenstronger.Employeesever moreexpectpurposefulwork,customersexpectresponsible business,andcommunitiesexpecttobeheldaccountable. Organizationsthatembracetheseexpectationsontheir strategicagendasfromahuman-centeredperspectivewill bepositionedtoflourishinthefuture.
Sustainablesuccessisnolongerdefinedintermsof financialreturnsbutbythecapacityofanorganizationto learn,innovate,andcreatelastingvalueforthepeopleand theplanet.Human-centeredconsultingisthewaytosuch success.Basedonempathy,withpartnership,andwith inclusiveness,firmsnotonlygetinvolvedmore,butthey alsohavesustainablestrategies.
Finally,whenbusinessesthinkintermsofhumandesign, theydomorethansucceedintheshortruntheycreate lastingfutures.
Duringeconomiclimbo,everyindustryintheworld isputtothetestofhowvisionary,resilient,and adaptabletheyare.Lendingalongsidethemisthe bankingsectorrightattheheartoffinancialsystemsand entrustedwithpeople'strust,liquidity,andtakingcareof businessesandindividualswhennecessary.Bank managementduringuncertaintyceasestobeamatterof operationaleffectivenessandbecomesamatterofsurvival, confidence,andplanning.
Financialuncertaintyisusuallytriggeredbyinternational financialcrises,geo-politicaltensions,epidemics,or technologyshock.Banksexperiencethisuncertaintyin differentforms:lossofconfidenceinlending,volatile interestrates,volatileassetprices,andincreased supervisorymonitoring.Corporateandconsumercustomers alsodesirecertaintyandstabilityfrombanking counterpartiesduringtimesofuncertainty.
Thisiswhereleadershipinbankingisneeded.Bank managersneedtoreinforceriskmanagementthrough innovation,preservecustomerconfidencewhilekeepingthe institutionprofitable,andundertakelong-termplanning againstshort-termcrises.
Atitscore,bankleadershipisnotalwaysafunctionof precipitousdecision-making.It'saboutvision,compassion, perseverance,andtheabilitytoinstillconfidenceintheface ofadversity.Greatleadersofferclaritywhenthefutureis cloudy Theyarticulatestrategywithconviction,take responsibilityforriskincurred,anddemonstrategenuine understandingofthehumandynamicsfacingcustomersand employees.
Effectiveleadersarethepredispositionofstrategicvision, flexibility,andtransparentcommunication.Thesearethe elementswhichdistinguishfailingbanksintimesofcrisis fromthosethatemergestronger
Economicuncertaintyalwaysincreasesriskcreditdefaults, liquidity,andoperatingstressincreaseinvolume. Executivescannotrespond;theymustseeaheadand constructstrongrisksystemsthatrespondsensitivelyto evolvingrealities.Regulatorypressure,meanwhile,will onlyintensify.Executivepowerisnotcompliancewith
regulationbutalsocooperationwithregulatorstohelp shapepracticalstructuressobankscanbecompliantand competitive.
Themostvaluedassetofabankeristrust.Intimesof uncertainty,customersneedtofeelconfidentinplacingsafe depositsandemployeestoadviseandstability.Banking leadershipisrootedinopencommunication.Transparent communicatorswhotalkopenlyaboutchallenges,articulate plans,andtakeresponsibilitybuildtrust.Transparencynot onlywardsoffhysteriabutalsoboostscommitmentfrom thecustomersandtheemployees.
Timesofuncertaintydrivedigitaladoption.Customers increasinglydemanduser-friendlydigitalbanking,and banksarefacedwiththeneedtomakeitaffordableand simple.Digitaltransformationchampionsputtheirbanksin positiontothriveoverthenextfewyears.Byputtingdatadrivendecision-making,AI,andblockchaintechnology frontandcenter,theyalignresilienceandinnovation.
Buttechnologyisnotsomuchaboutchange,it'sabout mindset.Effectiveleadershipguaranteesdigitalsolutions respondtochangingcustomerdemandandalignwithbest practiceandorganizationalobjectives.
Nobankingleaderneedstoweathereconomicstormsin isolation.Successfulinstitutionsarefoundedonresilient teams,andstrongleadershipisempoweringemployeesto respond,build,anddeliverinchallengingtimes.Indifficult times,expertswrestlewithroleuncertainty,increased stress,andmoreintenseworkloads.Managerswhoinvestin theiremployees'development,emphasizewell-being,and recognizeeffortcreateacultureoftogethernessand resilience.Organizationalresilienceallowsinstitutionsto weatherandultimatelysucceedsthroughdifficulttimes.
Oneoftheaspectsofgreatbankingleadershipistobea responsibleplayerintheshorttermbutneverlosesightof thelongterm.Crisismanagementmayentaildoing somethingonanimmediatebasis,cuttingcosts,managing liquidity,orrestructuringloans—buttheleadersmustalso seekopportunitiesinthelongterm.
Economicuncertaintyalsopresentsnewopportunitieslike acquiringweakerrivals,venturingintoless-penetrated markets,orinvestinginnewtechnology Thetwo-eyed leadersrendertheirinstitutionsnimbleevenyearsafterthe stormhaspassed.
Historyteachesusimportantlessonsonleadershipin action.Whenthe2008financialcrisishit,somebankCEOs bufferedtheirbanksfromthecrisisbyrecapitalizingearly, rethinkingriskexposure,andbuildingwarmerclient relationships.Likewise,attheheightoftheCOVID-19 pandemic,banksreleasedmoratoriums,rampedupdigital products,andsupportedsmallbusinesses—movesthat createdtrustandmadethempartnersinthecommunity,not merelymoney-generatingmachines.Suchexamplesremind usthatleadershipisnotcrisispreventionbuttakingcrises andconvertingthemintoachancefordevelopment.
Economicuncertaintyseversintoindividuals'lives, livelihoods,andcommunitiesmoredeeplythanitserves intomarketsandbalancesheets.Humanbankingleadership acknowledgesthisfact.Compassionatebankers,saving strappedcustomers,andparticipatingincauseswithinthe communitybuildbanks'reputationsandthesocialfabric. Humanitariandeedsduringtimesofdistresscarryenduring impactsthataretransmittedtocustomers'long-termloyalty
Bankingleadershipduringeconomicuncertaintyisartand science.Ittakesfiscalprudence,innovation,grit,andmost importantly,empathy Walkingthetightropeofshort-term crisismanagementandlong-termvision,andwalkingthe tightropeofdigitaltransformationandhumanleadership, bankingleaderscanconvertuncertaintyintoachancefor rebirth.
Itistheoneswhoarecuttingedgewithempathy,flexibility, andbeingresponsivethataregoingtobeabletogettheir banksnotonlysurvivebutthriveastheworldeconomy grappleswithvolatilecycles.
