The human brain is not naturally designed for consistency or self-monitoring—it seeks comfort, avoids effort, and easily repeats unstructured patterns. The CRS Approach addresses this gap by converting daily actions into a structured, measurable, and continuously improvable system.
To solve the problems of present pension system, New Financial Model proposes a Universal Pension System in which there will be no burden on the governments, individuals & employers to contribute in any pension scheme for old age security of citizens / themselves / employees