“you kind of have to just stop yourself and say okay what does the new reality look like and divorce yourself from your previous decisions... we basically had to really stop doing everything that we had told our investors and our customers and everything else that we were going to do.”

When a Black Swan Hits, Divorce Yourself From All Previous Commitments Immediately

Monarch had promised investors and users a major goals-and-planning feature overhaul. The Mint shutdown forced a complete roadmap freeze to handle infrastructure scaling, Canadian expansion, and the massive CS backlog. Sunk-cost bias makes it psychologically hard to abandon committed plans, but the teams that win in black swan moments are the ones that wipe the slate and re-stack-rank from scratch based on the new reality.