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My daughter was, indirectly, the inspiration for the Capital One Digital Access (CODA) program. Two years ago, when she was in fifth grade, her school moved much of her education online. It required her to do her homework on Google docs and even switched her to virtual report cards. I had been financing affordable housing properties for almost 20 years, and I knew that many of the residents in the buildings we had financed would struggle to make this transition, simply for being on the wrong side of the digital divide.

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