[Fiserv's CEO just fled](https://www.marketwatch.com/story/fiserv-ceo-flees-after-presiding-over-71-percent-stock-drop-in-his-short-tenure-b92b9270?mod=mw_rss_topstories) after a 71% collapse — that's not a market cycle, that's earnings deterioration masked by accounting. Enterprise software leadership turnover at this scale usually precedes margin compression that was already baked into the quarterly accruals.

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