 Hi, today I'm here to help out some of my very good friends who are SMEs, essentially small-medium enterprises. In today's hard, you know, hard-pressed times in a slowdown, there's always a liquidity crunch and people always finding ways of somehow keep their businesses going. So for any SME, there are two broad avenues of funding that he could access relatively quickly. You know, one could be loaned against property and the other one is an unsecured loan, typically what is called a business loan. Now, you know, if I was to cover both these sources of funding in the same place, there are four things, you know, which are common to both of these items and which any SME should conceivably be looking at. Another thing is, of course, the rate of interest, you know, whether in a loan against property, the rates of interest are typically a little bit lower than they would be against an unsecured business loan, but then the item to look at is typically if you're going for a fixed or a variable rate. A fixed rate is an attractive proposition initially because you are able to plan your financing and look ahead, you know, in a more constructive and concrete fashion. But in today's soft interest rate regime, a variable rate of interest linked to MCLR or sorry, not MCLR linked to any external benchmark is probably the best route to follow for closure charges because and also if there is a lock-in period, sometimes, you know, you may end up getting excess funding or excess certain liquidity after eight months and you discover that there is actually a lock-in period whereby you're paying interest, you know, on your loan on one side, you have excess funding on which you're earning a party maybe three, four, five percent, you know, you end up losing. So be careful to fully access and understand what the lock-in period and the prepayment or foreclosure rules are with respect to whichever route of funding that you are planning to access. And one thing, you know, life is full of uncertainties and I would imagine that an insurance that you must take out, any SMA, you know, has a family, has people, has always got people dependent on him. And if you take out loans, never forget to take out at least an appropriate insurance covering you for the amount of loan you take that way you protect your near and dear ones. Another option, the lastly, the point I would leave with you all is to figure out if you are able to convert this into an overdraft type facility whereby whenever it's more fluid, whenever there's excess funding that is available to you, it goes against the loan that you've taken. In essence, you end up paying only against the overdraft or the loan that you've taken for the period of time that you've taken it. Over a three-year time frame, you will be surprised at how low you have, how much lower the rate of interest has fallen because of the overdraft facility being available against your loan. So, you know, good luck, you know, even good things never last, bad things don't last. So I'm sure, you know, things will improve for all our SMA friends. But in case you need funding, here are the three or four items that I thought I should share with you.