 Okay, hello everyone and thank you so much for joining us tonight. I'm going to get started as it's five o'clock. Welcome everyone to the money management webinar. I'm your host, my name is Shamima and I'm a student recruitment officer of the University of Greenwich. And you're also joined by my colleague, you bet who's going to be managing the Q&A. If you have any questions during the presentation or even afterwards feel free to put them in the Q&A box or the chat box. So I'm just going to start off with housekeeping rules. As you've joined this meeting with Zoom, if you wish to say anonymous you can do so by changing your identity, so changing your name. Please just make sure that you join with our video and that you turn off your audio as well just to make sure that you can have a better experience in listening to this webinar. And like I've mentioned before, if you have any questions, feel free to put them in the Q&A function or the colleague that will answer your questions. And if you do want to come on camera and ask us questions at the end, please make sure they change your background so your identity will remain anonymous. I'm going to give a couple of things just to mention, please do not share your telephone or phone number in the chat box, sorry in the chat function, or share your email address, any photos, any home addresses, or use inappropriate languages. And make sure that you do not reveal any identity of other attendees if they want to remain anonymous. Let's get started. So what is the whole point of this webinar? So this webinar will be giving you some advice on how you can manage that money that you receive as a maintenance learner or tuition learner when you go to postgraduate. And this is an estimate, this is to estimate your income needed to survive at universities because there are various expenses that you need to consider when you come and study at any university, not just ours. And it's also to identify your personal attitude towards money management and spending. So are you a type of person that as soon as you receive that money, spends it all splashes and to go shopping, or are you a more careful person where it saves up, knows what they need to spend on and how to make sure to manage their needs and their wants as well. And also for us to give you any tips or budgeting tools to make sure that if you do want to track your money and your spending, you know how to do so. And also learn how to make some extra money while studying as well. Let's go off with the key fact that you might have known already or you might haven't. So 70% of students wish they had better financial education before going to university, definitely that that is myself as well. Sometimes our schools don't teach us completely how we should be managing our money. But obviously that is a learning curve for us when we come to university and hopefully this webinar will give you a good understanding. And you're not winning that 70%. Then we have 75% of students that end up working a part time or temporary job to supplement their student loan. Okay, because that money that you receive, trust me will not cover your costs, because you will see that especially if you're living out of a home that you need to pay your rent, your groceries or your travel, and even for sometimes equipment that is required within your courses. And the average student loan debt back in 2021 was 45. And bearing in mind, this is nationally and not specifically for London, for London is I think about around 50k and 75% of students are unlikely to pay off their student loan within the 30 years of agreement. Okay, so that's why we want to make sure that you understand the value of money and we want to change your attitude. So I have a couple of scenarios and I want you to put in the Q&A, sorry in the chat box, what is your attitudes towards money? The first scenario is you get 50% for your birthday and what would you do with that 50 pound, sorry not 50%, 50 pound, what would you do with that 50 pound? Would you A, hit the shops and spend it all, B, buy a treat and save the rest, or C, put it all in the bank for a rainy day. I'm just quickly going to open the chat and see what people's opinions are towards that first question. Okay. All right, okay, so we've got a mix of answers, so we've got a couple of people that are saying B and C, which is good. So you have a list of good understanding of the money and how should we spend. Okay, interesting. Okay, so most of you have said B or C. Okay, let's do the next question. So the next scenario is, do you know how much you spend in a week? A, no, I haven't got a clue, B, sometimes I know but don't often keep track and C is yes, I'm very organised and know exactly what and when I spend my money on. So again, let's see what people are saying. Okay, interesting. Again, very similar to the first question, which is B and C. All right, I just made a much too big. Okay. And then last scenario is what best describes you as a spender. A, I think I should be more careful, B, I'm always in control and C, I'd rather not spend much at all. Okay, a couple of viewer things. C, anyone else wants to put an answer forward? Okay. So again, we're getting this similar type of answers from the previous scenarios, which is B and C. All right then. So based on what your answers you have given, I'm just going to tell you a little bit of what that means. So if most of your answers were B, then you're a say B spender. You like to spend your money, but you know your limits, which is a very good thing when it comes to university. Make sure that you don't overspend though. Okay. I know sometimes you might have those odd impulses and want to go and buy a new laptop when you might not need one or a MacBook straight away, where you could have another brand that does the same exact job. Okay. But you know how to keep on continuing to keep a good balance as well. And then if most of you have put C, then you are definitely a super saver. You really know and enjoy saving the money. It gives a sense of power, control and security. Who doesn't want that. And then, but are you, you're paying your way when hanging out with friends though. So make sure that you don't rely on the spender Holic's friend who pay for your for your drinks when you go out for your food. When you go again when you go out, you want to make sure that some time to time you want to treat your friends as well. I'm not saying every day, but here and there you want to make sure that you go and treat your friends as two. All right, great. That's fantastic. So let's move on to the next part. So this again, I'm going to go for some couple of scenarios and I want to see what you guys think about the scenario. So this is the student violence calculator. If you've got, if you can do this, if you can go to Google and just type student violence calculator, it will take you to the government website where you will be able to see that if your household income is this amount, how much maintenance loan that you might receive. Okay. So this is a good way to estimate. Okay. I'm going to get this amount of money. This is how much is to spend it on certain items. And this is how much is to save. Okay. I'm going to go through some scenarios to see based on these people circumstances, how much maintenance loan they could receive. Let's start off with Oliver. He lives in London and is studying in London as well. And his household income is 25,000. So based on that, how much maintenance loan do you think he will receive? Do you think it's A, which is 7,450, B, which is 3,516, C, which is 11,001 pound, or D, which is 9,488, and lastly E, which is 7,987. So he lives in London and studies in London as well. And his household income is within the threshold, which is 25,000. Any guesses for anyone? Okay. So let's have a look. So he will receive, if this works perfectly, he will receive 7,987 pounds up for his maintenance loan. Okay. So this is not exactly the lowest amount and it's not the highest amount. It's an average of how much he could get based on where he's studying and where he's also staying and his household income as well. So next person. So we've got Minters that are home is in Leeds. Okay. But she is studying and living in London. So she's not staying at home. She's, she's, she's an accommodation place, which is based in London, at London University. However, her household income is a little bit more compared to Oliver, which is 35,000. So based on that scenario, how much do you think Minter will receive? Anyone? Any guesses? Okay. Someone said D, so the 9,488. Anyone wants to contradict me about or agree? Yes. Okay. So most people are saying D. So let's see. So Minter will receive actually the highest amount or one of the highest amount, which is the 11,001 pound. So the reason why is because she is going from a pace. So she's going from somewhere from outside of London to live in London and study in London. But as you guys all know, London is very expensive. Even though her household income is a little bit more compared to Oliver, she still will receive a higher amount compared to him because she's living outside. So she has to think about accommodation, rent, groceries, and all of that, all of that. So that is why this is in finance. It takes all of that into consideration and decided to give her that amount. So next person. So we've got Khaleefa's home is in London. She's studying and living in Bristol, though. And her household income is 18,000. Okay. So now this is kind of the reverse for Minters. So she, her home is in London, but she is outside of London to study and staying. And her household income is 18,000. So based on that, what amount do you think she will receive? Anyone any guesses? We've got three answers left. Okay. So I'm on for the 11K. The 11K has already gone to Minter. So what are the amounts she thinks she could receive? So we've got still A, which is 7,450, B, which is 3,516, or D, which is 9,488. Okay. So a lot of people are going with D. Okay, let's see what hers. Right. So you guys are correct. She will receive the 9,488 because the government is taking into account the fact that she does live in London and her household income is 18,000. She won't receive the higher amount, which is 11,000 because of the fact that she's going to live in Bristol. So it's not as expensive as London. Okay, perfect. So the next scenario, we have Diane, who lives in Kent and studying in, ooh, that got covered because I don't know. Okay, I think she is studying in London and her household income is 40,000. I'm just going to double check again. Oh, I can't see that. Okay, yes. So she lives in Kent. She's studying in London and her household income is 40,000. So out of the remaining two, which one do you think she will receive? Okay, a lot of you are saying A. Okay, some people are saying B as well. All right, let's have a look. So she will actually receive the A amount. So she is, because she lives in Kent and again she's living in London and London is very expensive. And even though her household income is above the threshold, she will receive the 7,450. Okay, so there are a lot of contributing factors that go into making a decision of how much maintenance you will receive. So feel free to always go and check on the student finance calculator if you're unsure of how much you can receive and then put an application for them. Okay, last one, apologies that I got covered again. So Pam's home is in London. She is studying in London as well, but she's thinking their minimum no means tested loaner. So how much, which is the last answer, but with the no mean tested loan is the 3,516. Okay, so this is the minimum that you could get. So as you can see, regardless of your income, you can still get household income. You can still take out and maintenance. Okay, so we've seen different scenarios of the of these different people, the household income and then the amount that they could get. But again, the best thing would be to go and check out the student finance calculator where you can put your own household income where you will be studying. And if you're staying in or out of outside of London, and potentially see how much amount you could get. Okay, so the next part is why budgeting matters. Okay, so budgeting matters because it helps you plan how you manage your money while studying at universities. As mentioned before, they are going to be situations where you will, you could run out of that money that you've been given by this, the government, and you will need to be able to pay rent, pay for grocery travel, and the equipment that you might need for your course. Okay, so that's why budgeting is very, very crucial. It also helps to control your spending. Okay. So it gives you a understanding also for the future when you're not studying anymore, but you are working, and you know exactly how much you need to spend, how much you want to spend on something if you want to go shopping, and also to maintain and to also have some savings for, for example, if you want to go and buy a house later on. But it also helps you track your income and expenses. And it helps you prepare for emergencies because you never know an emergency could happen. For example, you could have spent all your, your maintenance loan, and let's just say that you, you drop your phone, are you able to have you got enough money in your bank to be able to repair your phone at the moment, or your laptop. Imagine if you've got any sign coming up, and your laptop just broke, what are you going to do? Have you got money to go and repair that? Okay. You're not going to be able to save money. Okay. So it's not just about expenses, but it's also about saving money for something that you want to buy later or you want to consider putting, for example, deposit for a house. Okay. So I'm going to talk about some budgeting techniques, or I've gone a bit too far. Okay, so budget techniques that we have. So we've got, for example, the traditional budgeting technique where, so this is technique is what, where you list your income, you list expenses, and find the difference. Then you set goals for how much you want to spend in each category, such as rent, grocery, and transport or travel. Then we've got the 80-20, and this technique you spend 80% of your income and save the 20%. Or the technique that is the kind of optimal technique we would say, and depends on each person to be honest, is the 50-30-20 rule. So this is a simplified technique where you break down your expenses into three categories. Your needs, your wants, and your saving. So 50% of your income should go towards your needs. 30% should go towards your wants. So what do you want to, if you want, for example, your phone, if you want your laptop, and 20% should go into savings. Okay. So this is kind of like the budgeting technique that we would recommend. Okay. So you've got the, so again, yeah, 50% that go into your needs. So that's rent, groceries, travel, equipment, and then 30% of which is your want, and 20% is your savings. Okay. Now, okay. As you can see, we've divided what are your needs, which is spread through the books, utilities, your wants, data, shoes, a new phone, new laptop savings, to be savings towards a deposit. It could be also saving towards a new phone or a new laptop, or saving for an emergency fund, for example, laptop breaks, or your phone breaks, or something else. Okay. Now I'm going to go back to kind of like the case that is that we mentioned before, and we're going to look at these people's expenses. And with your help, I want you to tell me if they are budgeting well or not really. I want you to tell me if a cliff is monthly expenses. So how spending, so she receives maintenance loan, if I'm not wrong, she received the 9488 pound per year. Okay. Bearing in mind that this amount doesn't come in one go. It will come in three instalments. So the first instalment in September, the next in January, and the last in April. So that is only for a year though. In the next year, you will apply again and that amount could change again based on your circumstances and your household income. So she has all these costs, so she's got rent. Okay, so she's studying in London. Okay, no, sorry. Her home is in London, but she's studying in Bristol and staying in Bristol. So she pays rent. Okay. Then she's going to membership, entertainment, transport, groceries, her mobile phone, shopping and socialising. All right. So with the 9488, that comes to 790 pound at 66 pence per month. Okay. And based on her cost, we can see that her footwork is above her income. Okay. So technically, she would be in a 3,000, sorry, not 3,354 pound and 94 pence in depth. Okay. Because her cost is way more than her income. So she will need to get a part-time job to supplement her for the cost that she has. Okay. So definitely rent is a need. You'll need to pay your rent membership. I would say is more of a want because you could go, for example, join a couple of classes that the university offers. Some of them are free as well. Okay. You don't have to go and get the gym membership from pure gym or active gym or whether other like Virgin James. Okay. You don't need that. You could go also outside, go for a run or do some activities outside. Trust me, there is a lot of options out there. Now, entertainment, again, that's a want. Okay. You don't need to have a Netflix subscription, a hoonus subscription at Amazon Prime. You don't need that. There are other ways to watch TV. Free, good, old, free view TV is a way for entertainment as well. Transport, that is definitely a need. Grocery, that is a need as well. Mobile, that's a need. And then we've got shopping, that's a want. Okay. So bearing in mind when do you want to go and buy the new laptop or do new phone or new shoes? Okay. And again, socialising is also a want. You don't have to go out every single day to go and see your friends. You want to go once or twice a week, not every day. Okay. Now, let's look at the next scenario. So we've got Oliver, who lives in London, so his home is in London and is also living and studying in London. And his household income is 25,000. And from our previous scenarios, we've seen that he receives a maintenance loan of £7,987, which monthly comes up to £665.58. Okay. So that's his monthly income. Let's have a look at his cost. So his cost is, he doesn't have rent. The reason why? Because he's staying at home. So that is something to bearing in mind. He is very useful to stay at home. Definitely, I stayed at home and he has saved me so much money. And again, I could have used that money that I could have put in rent. I've used it to them. But if I could actually afford to go and get a gym membership, or I could afford to get a Netflix account or a Amazon Prime account. Okay. Or I could have pulled more money towards transport or get, I don't know, the latest phone or something else. Okay. So we can see that his gym membership is the same, entertainment, transport, and all of these, as you can see, are wants and needs as well. And his total cost is coming up as £648.97. So at the moment, he's saving about £16.61. So as you can see, he is making a saving after all those costs. But of course, it helps when you have a little bit more. Who doesn't want to save a little bit more? So when you're comparing both of their cases, we can see that Canifa needs to get a part-time job to make sure that those expenses are being covered. And Oliver is not needing so much of a part-time job. However, if Canifa put towards, she used the 50, 30 and 20 method, so she wouldn't realise that a 50% she needed at 458.38, a 30% is 275. And then a 20% is 183. So make sure that when you do receive that maintenance note, you understand what your expenses are going to be, what you want, what your needs and what your savings are going to be. Okay. Okay. So from the Student Money Survey back in 2020, you can see that these are kind of average amounts. Again, these are nationally, this is not based on what it's under. Now expenses have gone up in London. So rent is usually £418. Then you could have grocery, which is £100 a pound per month. And then you could have, for example, coming out to £46, £43. So there are various budgeting tools that you could have a look and see how much you're putting towards all of your expenses. And yeah. So some budgeting tools that you could have access to is a great way to go on Google and find a budgeting template. Okay. These are free for anyone to use. It's not specifically for university students, but it's also for anyone, for example myself as well. So you could go and find these spreadsheets, put in all your costs, so your wants, your needs and your savings, and it gives you how much you're spending if you're going over or if you're going under, you've got more to spend, so more to save or not. So you have all those links and we will have also at the end of the presentation, all the links on the things that we've mentioned that you can go and look for. So something to bear in mind when you come to universities, the first thing that you would want to do is open a student bank account. Okay. But there are a couple of things that you need to consider very carefully when opening a student bank account. The first thing is an overdraft. Okay. As soon as you come to university, you get all of these universities, so all these banks are telling you, come and join us, we've got this, we've got that, the overdraft is 2,000, some of us is 1,000, some of us are 500. Okay. So if you hit the overdraft, please make sure that you know how much interest you need to pay, or how quickly you need to pay that money back. Some things that different banks do is also some extras. So they give you different perks. For example, a 16 to 25 railcard, which is a great way to save on travel. Because if you join them with your oyster card, if you come to study in London, you can get a third of your off-pick travel and a third of your monthly travel. Okay. So that is a great way. So that's the kind of something that I used personally. So I used to travel off-pick from zone 2 to 3. I think it used to be, usually it's a pound 15. I was a pound 55. And I used to pay just a pound literally for my travel. So that was very helpful. And it reduced a lot of my costing. Some others do, for example, you can get free Amazon Prime, a taste card, there are so many incentives that different banks give. So have a look at the types of incentives. And make sure that also, you've got a bank close by to where you're staying or studying, because if there is an emergency, you can go to the bank and get that emergency sorted out. So here are some top picks of the different banks that kind of give different incentives and the different perks that they give out. So we've got, for example, HACC, which has a 0% overdraft. First you get 1000, second you get 2000, and third you get up to 3000. That's very good just to think about. And the perks you get is a free 80 pound and plus a choice of your 20 pound Uber Eats voucher. So there are various incentives that you can see the banks are offering. Please bear in mind that these can change when you go and start university in September. So when you sign September, you will get those information and you can see all the banks close by to you. And you can choose based on the perks or the overdraft or the terms and conditions that they offer. Now, how do you, oh, sorry, my button doesn't work all the time. Let's go back. Okay. So how to avoid bad debt. Okay. So don't borrow or you can't pay back. Okay. So that is literally the first rule. So if you can't pay back, don't borrow. Okay. So if you've taken an overdraft with a high interest charge, okay. Yeah, that goes back to the first question. If I can't pay that interest charge back, then don't take the overdraft. Avoid borrowing to fund staples purchases and pay off your overdraft balance in monthly in front. Okay. So if you've taken an overdraft, it could happen because of an emergency. Just make sure that you're able to pay off in full. If you do have, if you're not very good at managing the balances, however, if you do use it and you know how to use it, please make sure that you use it wisely. Avoid, avoid, sorry, avoid payday loans and focus more on your needs and not what you want. I think it's very in mind when it comes to when it comes to the university and to any university, we realize that living away from home is a big change. And we tend to go with going and getting take away. Okay. We tend to go out very often. We tend to go get Uber. It's not because of all these different delivery companies is so much easier to get further very quickly. But as you know, delivery costs, even if it's a one or two pound delivery, on top of that, you get in, you get in the mill that you could easily make a home for so much more cheaper. And you're saving money on top of that. And it will taste so much more better as well. So for example, if you go to Nando's, you get a half a chicken, five, one in a drink that could cost about 25 pound. And on top of that, that takes about 30 to 40 minutes. Whereas if you buy a whole chicken, again with rice, one in drink, that will only cost you seven pound. Okay, you don't have to use the whole chicken. It could use the legs, the wings, and then you can save the rest for another time. And then it will only cost you seven pounds, which is so much more cheaper compared to 25. And it takes only about 20 to 30 minutes. Okay, go on YouTube, Google how to make Nando's, pay, pay chicken or something like that. Trust me, there are so many different options that you can make at home. Very quick, very cheap and so much more taste deal. Another example is going to Subway. It's easier to go and get in a Subway mill during lunchtime. Six inch with crisp and drink and cookie that could cost up to 12 pound and takes about 20 play minutes. You could do the same. And I actually did that over the weekend as well. I literally went to as a test guide, got a submarine roll and some things crisped for drinking and cookies. It tasted so much more better than the actual silver because it was fresh the ingredients I just bought it there and came home and just made it. And it cost me like it didn't cost me that much. So here it costs eight pound and it was very quick to make as well. Now the next thing is five guys. So a cheeseburger fries and a shake could cost up to 25 pound and each takes about 30 to 40 minutes, whereas you can go and get that fresh meat. And then you can make a shake at home, which will cost you only 10 pound and very quick to make. So you can see home delivery. Yes, it's very tempting because very quick, you don't have to even get out. You see only just to open the door, but making the home cooked meal. It is so much easier and also you can milk prep for the whole week. We've been for a couple of days. So you don't have to constantly make everything fresher, literally prepare some stuff put in the fridge and come back and just preheat it and then you're done. It is so much more cost effective. You're saving so much money and you're having tasty food rather than home delivery all the time or the junk go into your body. It's not nice. Some sample that we want to give you. We have the original flower, who this is a recipe that they've made for six portions only cost six pound is easy to make is healthy nutritious. So you can share with the people if you're living in accommodation, even with your family. Okay, so it's literally an easy recipe. There is so much out there that you can go just Google on YouTube. This is what I do every time I've got make it is a Google how to make that is a Google how to make that new lasagna recipe or new result or whatever it is is out there. You need to just go and have to get the ingredients and and and YouTube and look at that video and just make it. Yes, so that's the food station. Now we come to the. Sorry, and I apologize for that. Okay, so to the options. So when it comes to university, like we've mentioned before, maintenance is not going to be enough. You will have to get a part time job. And there are various, various ways they can get a part time job. For example, you can join the student ambassador scheme that is something that we offer at the University of Greenwich. And you could also work in hospitality or attempting tutoring, retail, or even other university jobs. So there is a lot of out there for students. It's a great way to make money, and also to get some experience or work studying. Now, next things, there are also 20 ways. So this is just a couple of ways that you could make money. And it's very easy. So, for example, it's literally completing a survey. You can become a tutor, you could do that because of COVID or COVID is just about to go. But we're still in that stage where a lot of tutoring happens online. So even the comfort of your home or your little room in accommodation. You could be a tutor during some, some kids and get that money. You could also become an extra in the film. So if you want to be in the next, the Fast and Furious film or something else, you could be an extra and make some money. And there are various clinical trials you can join. You can do Mr Shopping, competition babysitting. Trust me, there is a lot of out there. Okay. So if maintenance money is not enough for you, you're going to want to go and make money. You can go and find out because there is stuff out there. But also other ways to get some money is through scholarships and bursaries. So, for example, the University of Greenwich offers the Great Skills Scholarship and the Anne Packersport Scholarship. So those are, for example, the Great Skills Scholarship is specifically a 2000s scholarship, like it's paid in three installments. However, there are conditions that you have to meet in order to receive it. And same goes with the Anne Packersport Scholarship. And some bursaries that the University offer is, for example, the community's bursary. So if you are living at home, but you are studying a little bit further than where you are located, you can get up to 1000 pound per academic year. And again, there are different conditions that you have to meet in order to get the bursary. Or if we've got the 700 bursary, sorry, the Greenwich bursary, which is a 700 pound bursary paid into an Aspire card, maybe you get in your first year academic year, and it's a base and it's given to students who have a household income of less than 25,000. So as you can see, there are various scholarships that you can go out and find out. Some of them that we have listed are from the University of Greenwich, but they're also outside of the universities. So for example, you could go to the scholarship hub, which shows you all the scholarships that are out there, the different companies are sponsoring. And yes, you just have to see the conditions that you need to meet the legibility criteria, and if you need that, just go and apply. So that is another great way to get money. And now just a little summary of what we've talked about. So estimate how much maintenance you will receive. Make sure that you go to a student finance calculator, where you will be able to see the, you can put your household income, where you're studying, where you're currently staying, and then they will give it a rough estimate. Then you can also estimate how much you need to earn on top of this. Okay, because like we've seen with Khalifa and Oliver's, the maintenance might not always be enough based on your costs. So your needs and your wants. Practice budgeting and money, say, try and save money basically. That's what we want to tell you. And that is kind of the tip that you want to take the most out of this presentation. So make sure that you know how to budget. Notice before you start universities that don't want to be in a financial situation where you're in debt. And then you're like, okay, maybe have a problem and I need to go and save up money. So know what work you can do to help make and meet and where to find them. So, for example, the student ambassador scheme, you could become an extra in a movie, you could have service tutoring. There was a lot of options out there. And investigate if there are any bursaries or scholarships are available based on your eligibility. So if you're eligible for them, why not fight that? That is an easy way to go and get that money. So, like I mentioned before, we have some links, useful links that you guys could just leave it there so you can take a screenshot and go and read it off later. So feel free to take a screenshot for that. And now I'm just going to open it to you guys and see if you guys have any questions. Feel free to unmute yourself and or put your hand up if you have any questions. Thank you very much in terms of the presentation. Any questions at the moment. I hope everything was clear. If there is something that wasn't clear or you think I missed, I should mention again, so feel free to let me know and I'm more than happy to do so. I'm glad that it was very informative. I just want to quickly open the Q&A box if anyone has any questions. I can't see anything. So if no one has any questions, I'm just going to say thank you so much for everyone for joining us tonight. And if you do have any further questions or anything that comes up to you in your mind later on, feel free to get in touch with us. Either by calling us at 0208 double three nine thousand double three one nine thousand. Or if you want to also get in touch with us by email, or you can go to our website and you'll see a little pop up with the icon where you can speak to our team and they will give you any other information that you might want to. So yeah, and also feel free to follow us on our social media accounts you can see what the University of Greenwich is up to and see if you like that content. And yeah, so that's it from me. Thank you very much again for everyone coming tonight. And I hope you have a lovely evening.