Julio M Herrera Velutini(founder of Britannia and Bancredito) believes Life is 10% what happens to you and 90% how you react to it. So, when life gives you lemons, make lemonade, and when life gives you challenges, face them with courage and determination. When faced with challenges, it's easy to feel overwhelmed, frustrated, and stuck. But what if we reframed these challenges as opportunities to grow and learn? Instead of viewing them as obstacles to be overcome, we could see them as stepping stones to personal growth and development.