answer those three questions using this specific website please
https://content.schwab.com/web/retail/public/about-schwab/SEC_Form10k_2019.pdf
7.5.Does the organization have positive personal and professional relationships among employees and alliance partners? Is the organization missing opportunities to forge strategic alliances?
7.6.Does the organization effectively use technology to transfer best practices across the organization, codify knowledge, and develop dynamic capabilities for competitive advantage?
7.7.Does the organization have intellectual assets it can legally protect?
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