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Every time I spend a lot of thought on a problem I always go back to F-Algebras and F-CoAlgebras.

Most recursion is through fold and unfold

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Folding 'fold' into contortions to use it as a generic List iterator does not "provide clarity".
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In functional programming, there is no "generic list iterator", though. It matters what the output is, whether you need to look at the value of previous iterations, etc.
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