Loss of knowledgeable people make it extremely difficult to build out products that won't take down core systems or allow V to clearly track profitability. Cronies get hired with little to no payment system experiance and fear of job loss is impacting ability to work collaboratively across functional groups. Siloed environments are rampent and Sr. management is shielded from truth. Retirement plan, 401K and medical plans are cut, bludgeoned and cost prohibitive now. Short term goals are going to bring down Visa as Management does not care about long term goals since they will not be around.