You know your balance sheet is long AI twice. Now count the exposure and name who owns it.

H1 covers the next 90 days, the moves that have to land before your 2027 budget locks in AI savings and before the network rules for agent payments harden. H2 is the 12–24 month capability that lets you run AI as one measured position, and H3 is the 3–5 year shift you steer toward starting now.