 Nigerian policies, the implementation and impact, Nigerian has been acknowledged in the world to have the best paper policy, the implementation of such policy and address to eat, as however, so far a lot of setbacks, this is evidence in the last scene in the formulation of such policies, which do not usually carry along necessary stakeholders, vulnerable Nigerians has always been at the receiving end of such policies. Taking a look at the four subsidy and the CBN new cashless policy, you will agree with me that a lot of adjustments need to be made going forward. The Nigerian policy makers need to improve on the ways and manner policies are formulated and implemented most especially the security brutality that comes with such implementation. Beyond the government lapses, fellow Nigerians need to stop taking on due advantages of things to make life harder for fellow Nigerians by hiking prices of goods and services to the tune of selling the Naira currency. But we complain about Nigerian leaders of which we engage in activities worse than what they do. In other aspects, you say fellow Nigerians should stop taking on due advantage. We are just talking about it now, about hike, the price hike, you want to withdraw 10,000, you pay 2,000. It is a process, it is a problem where we seek personal gratification over national value. Now there is scarcity of cash. Can a businessman just give out his money to POS and say please deposit this money in my account. You can use this money for this POS to give to other people so that they can have access to cash. Why must he be all money, no day, he can make money now or how much he could buy out. Have you done anything like that? Even if it's 10,000 or you gave the POS. Yes, that's what I've been doing for this last week. You've been giving this POS. Free of charge. Family business, we just go and deposit money with POS agents. Just give it to them and they are able to transfer the money back to your account. And they are able to use the cash to help other people that need the money. I don't have to use the POS. Before this cash, that is what is obtainable. You have a business person by your side who does good volume of cash. At the end of the day it comes to you. You don't need to charge this person because this person is helping you to reserve the cost of going to the bank. But immediately they knew that there is no cash. Everybody wants to take advantage of this situation. This thing you are suggesting, it's like a band-aid on when the head is off. You are putting the responsibility on the citizens to solve your problem. It shouldn't be the responsibility of the citizens that is just doing his own thing on his own. And you are not saying why can't he? It's not his business. It's affecting the public. It's affecting the public. We are talking about national values. Let's look at it now. On one hand we talk about policies, not taking cognizance of all the stakeholders. Now another point is, in a situation like this where all these points of implementation are started and we can see lapses. What do we expect leaders like the national assembly, the president? What do we expect them to do? Because I heard a lot of people say that they may feel that this is the governor of the central bank. But the point is, the box stops me. I mean that is one bit and I will talk on that. But I mean like what you said that when you were talking about saying we expect the citizens to solve the problem created by government. I agree with you, it's a problem created by government. But you see, that is part of the biggest problems we have in here. Because we separated government from the people. The people are the number one government. And I'll give you a very simple example. In Nigeria for example today, our professors are complaining. Asu, Nasu, San, everybody is complaining. And we the citizens, a lot of us. And when I say citizen, I don't mean we here alone, we may not have that money. But people with access to money, people who can volunteer, people like us who can volunteer. We look on our insult government. And the irony of it is that in other climes, in Europe and America, where they have all the money. You see people committing to this university. It's not hard. What we are seeing? No. I think the reason why we got into that point where we look on has to do with broken trust. I agree. We don't trust this people. And because when you see a senator or a president or a governor, the kind of budget they have on this land. I agree with you. You are now telling someone to go the extra mile. So you see, you understand. And I agree with you. And that is the reason for who we have become. Exactly. You understand. So it's a journey. It's a journey. Exactly. That's the reason for who we have become. What we feel to realize in Nigeria, in my view, is that we've become something. But we don't understand we've become this person. This is who we are now. So we still move back. We still move back. We still move back. We still move back. We still move back. We still move back. So who now, in my view, is that we need to start tracing our steps back. And that's why I told people that when you saw government every time. I agree with you. Government is nasty. The policies bad. Everything. But if you look at the people, the average local government chairman today. Let's take Lagos State for example. In Lagos State was not an important person 15 years ago. Of course. It was just like you and I. Exactly. But it's coming to government. And because it's become like government. It does things like government does. And it doesn't even feel it that I'm hurting the people. So we need to start tracing it back. And this, the mistake we make is when you speak like this. A lot of people say you are blaming the people. No. But it's the truth. You are not blaming the people. But you are saying we have subconsciously. We have subconsciously walking the same path as government. And so nothing much is changing. It's just like looking into the mirror. You are blaming government for the scarcity of the era. You don't have the era. You are not. You are not. And they are saying it. Okay. And like you said. Let's look at it this way now. Because I think one of the reasons why policies we get. A lot of people get surprised about the policies of government. It's because our political consciousness is a bit low. Very much so. Because if you ask people what is it about cashless policy. I think a lot of people will tell you they don't understand what is going on. They don't understand it. So I think one of the things we need to do is to drive home. You know this political consciousness. And also people are excited to participate. What is your take on that? Okay look. See I agree with you up to a level. So there is this course I just finished this last year. School of politics, policy and governance. And there was a lady that came. There is a person. Yeah, a lady that came on board. And she spoke about the work she has been through with communities. She goes directly to what you said about effectiveness of policies. And what she does is she goes to communities. She goes to carpenters. They have associations. She goes to bricklayers. And she tells them, sits down with them. When they go for their regular monthly or weekly meetings. And she says okay for instance we are trying to prevent HIV. This is what it can do. This is what it cannot do. This is how to prevent it. And the effectiveness is so high. Telling us that it's not so much about the policy. As it's about the way of implementation. And if you sit from the top. You are kind of distanced from. I'm telling you that for someone that is ending 1000 or 2000 a day. Or whatever. Your reality is so far from them that they might be. They might as well have been in different countries. So it has to be from the grassroots. They understand. Then there's a back and forth. It's not just we finished it. This is it. It's not working. We are just. Until you have it perfected. Then you can roll out. What I realize is that. The only time. I think there's a lot of budget around policy implementation. And I find out that. The only thing they do when it comes to implementation. Is the one that benefits them. Now when you say go to the grassroots. And you don't do what is implementation. You can do what is called focus group. All of that. They won't do it. Because it doesn't bring everything directly to them. We understand that. Sorry for cutting you. I'm just trying to say that. While the government is failing. There are individuals. Who are taking up responsibility. Which is why I was against you saying that. Reach people in quotes. I mean we are all reach people. They are the ones. I don't agree with that kind of. Not reach people. But I'm saying that. Some people already solve these problems. Find them out. And you don't use them. Thank you very much gentlemen. Thank you very much. Although the lack of Ojilabi. Is next after the break.