 I guess there's an interesting statistic here from the business DailyAfrica.com. It's a very long passage, but I'm going to shorten it so that we build up on that regarding matter of savings. And it says, let me get it very fast, it says Kenya, like most African countries, still suffers from chronic law-saving threats, primarily attributed to financial illiteracy. And according to a 2021 report by EFJ Hammers, Kenya's savings rate calculated as the difference between income and consumption, expressed as percent of the GDP was at 15%, which is way below Africa's average of 17% by contracts. The neighboring Uganda and Tanzania have already crossed the 20% mark, even though the per capita income is significantly lower. Today more than ever, financial education is a core life skill, and as the more households are living from paycheck to paycheck, loosely defined as the ability to understand and apply different financial skills effectively, including personal financial management, budgeting and saving, financial literacy, making individuals self-sufficient. Now here's where it gets interesting, and I love it. Kenyan sports-saving culture is attributed to high-spending power, especially by young people who follow international trends closely. The report further cites minimal mentoring and financial illiteracy as contributing to the low-saving culture. Achieving financial well-being is more than how much money you make or whether you know how to make or how to invest in the stock market, especially the digital wallet space. And then the last part that I think will build up on what you're going to talk about. It says, like most African countries, Kenya has alarmingly low financial literacy levels, so the population of approximately 50 million people, only 38% of Kenyans are financially literate. That is according to a 2021 Global Financial Literacy Survey, interesting and shocking at the same time. And joining us live in studio, our powerful gentleman, we have Shadrak Sakayon Sameri. He's three names. He's a student leader from RVICT, R-V-I-S-T, beg your pardon. And then next to him is Kiprop Edgar, who's also president at RVICT. Good morning, guys. Good morning. I'm going to start off with you, Shadrak. Maybe just a brief intro, like in less than 20 seconds, who you are and what you do and you guys, where you come from. Okay. Thank you for these terms. I'm Shadrak Sakayon Sameri from Kajada County, a student in left-of-all-insure of Samsung Technology taking a course in diploma in civil engineering. This is my colleague from the same institution, School of Discipline and Best Performance. Thank you. All right. My name is Kiprop Edgar, student president from the Rifty Valley Institute of Samsung Technology, that is Nakuru main campus. No. Okay. I'm here today. I'm glad to be back again in the interview. All right. Based in Nakuru, we are doing well. Okay. We are okay as a school. So I think the topic that you're going to run today is relevant to us, the comrades and even those people like the local one-inch. So let me get back to you, Shadrak. This interesting research says only 38% of Kenyans are financially literate. Do you agree that in our country, a lot of people come from backgrounds where they are never taught how to have a relationship with money? And I love the fact that on our Tuesday segment, you talk about money a lot, having a personal relationship with money, and it starts at a very, very, very young age, especially the first time you are introduced to handling big money, or rather, let's just say small money. And I'm sure it starts from when I pass a DACA, Shikha 50 Bob and Opiana charge. But I know for a brilliant kid with a panel like 30 Bob and then 20, you serve or you buy a suite or something. Do you agree with the sentiment? Yes, of course. Okay. You have talk of the percentage that is 38. And I agree because at some point even I can talk of even around 47 to 50%. The reason behind it, you talk of beginning from childhood, that is Sunday surface, Sunday school surface, you save that little amount. When you reach to age of colleges or even high school, you even save more. But the little concept we are not getting, we don't get the literacy training concerning or pertaining the saving, the saving culture. You see, just you come with your own ideas, you save without any training. So by attaining an age of adulthood, you realize yourself, you have saved a certain amount. But the reason why we are not attaining the big percentage or the population, like 60% and above, is we don't get the trainings while we are from childhood to youth. That is the reason why their percentage is below 40, as you have talked, 38%. I agree also that 38% figure is for those who are able to save, isn't it so? So that means that remaining or the bigger percentage of Kenyans, those are Kenyans who do not save. And that is a very big percentage. And I agree that literacy is the first thing that is affecting Kenya and even affecting Africa. Number two, we said in Kenya, we calculate that is the income you subtract by the consumption. So you find in Kenya or even in Africa, like let me use Kenya, the consumption rate is higher than the income rate. You earn a small salary, but your consumption is very high. And what is the reason or what is the cost of this consumption rate being high? It is the cost of living that you are experiencing right now in Kenya. You cannot be eligible to save something just because you earn as it goes, as your budget. Affecting common monarchy, affecting most of the comrades. With the cost of living now, we promise even the percentage will increase of those who will not be eligible of saving something. This part caught my attention. It said Kenya's possible inculcations attributed to high spending power, especially by young people who follow international trends closely. I don't know what that means from a student's mindset. Yeah, for me, the meaning of that, like if I can use an example, whenever there is something new now, youths are the first people to run for it. Like for example, a new smartphone on the market now. The youths will be the first one to run for that. An example of a new brand of a car. So I think that the meaning of that is... So you find a Kenyan person has no money, yes, but has seen something new in the market. So he or she will use all the money to access some loans in order to purchase that new thing. And that's what I can call an unbudgeted budget. You are running a budgeted budget. That is according to me. That's how I understand. But sometimes you can't spend what you don't have. Yeah. It makes people to go in the indulge in other things that later on affect their mental health. Exactly. Also being a mental health awareness month. Yeah. And also Mother's Day just a bit. Let me get back to you, Shadrak. When they say, do you feel like even in campus there's a certain pressure to spend what you don't have? And that will lead to people getting out of hand and engaging in other ridiculous and scrapless deals. In other words, they call it wash wash. And then there's a certain pressure called mocha. And also in campus it plays a huge role in terms of appearance as well. You have to look on point. You have to appear that you have something going on. So that the ladies can like you or the teachers can like you or just whoever will like you so that you have a peaceful stay in campus. Do you think that contributes to especially young people to not have savings? Of course, yes. That one I can agree with you and in the same case, you have talk of the youth in the campuses or the comrades running for the day. In fact, we talk of living the other people's life or the lifestyle of the other people. You want to, let's call it peer pressure. You just get influenced by other people because you want to, maybe the comrades are going for parties and you want as well not to be left back by your friends. You feel shy and that one is getting the comrades to have that pressure. And that one, in fact, I can add a value back in the campuses where we live as comrades. It is causing most of the comrades to get into debt or so that they can obtain or they can obtain what their friends are sharing like parties. So for me, I can say that one is making the comrades live their life standard. A comrade who is, you come from a humble background and you find you get a friend who come from a rich family. That's on another different perspective. So you are forced because you want to get what your friend have. You can get close to that guy. Maybe a girl or a boy. So that you can live the same life. So because I can see my friends want to add this. I have an addition to that. I can give an example of you biting what you cannot chew. That is what is affecting the young men right now in the world, especially here in Kenya. We want to gain something that you are not at that level. So the moment we as youth will accept ourselves and it affects across gender, it's not for the men only or for the ladies gender. It's across. I can use an example for the ladies like what we see in college universities. You find a lady wanting to dress same as maybe a comrade from, let's say Nairobi. I use an example and this student or this lady comes from a humble background there in the remote areas. So you will find she is struggling more to reach there. For ladies they are not, I cannot say I can put it like they are not thieves actually mostly but this time we hear something, but it affects the men side most. You find now an attack to fly, but you have to tear up and it forces and that's why I put it as biting what you cannot chew. I think at the same point, in the same case, biting what you cannot chew. You find most of the comrades come from, at the same point come from the humble background and you find the parents are able just to obtain the usual or to pay the school fees only. So you find most of the comrades because they want to get maybe what their friends are eating, their life standard, that one forced them to get or to get influence. Yes, of course they are not getting to be, they don't get to be thieves, but the situation or the circumstances is forcing them, is forcing them to get into close. For example, a friend come from a rich family have enough amount in their pocket and you find the student from the humble background need to acquire the needs, the basics one. You find comrades need to live here, so you find that one, the condition you are will force you to get close to the rich child either when you are forced to get close or engage with him so that you can get the little amount, the upkeep for the basic need and even that one is contributing to the unhealthy relationship because you are forced to get close, maybe the humble background, not me, my drugs, because of the little amount. Right, you know the constant thing that I have gotten from what you guys have mentioned is that sometimes when you come from a home where you know you are not being provided for enough, it might cause you to get out of hand and engage in some other things to survive. But then I am also questioning that you know as a father, as a mother, you are taking your kid is in campus or as a guardian, you understand very well that they need support. One of the financial support, let's say these are one of those that we call toxic parents as in, is it one of those types? Exactly and that was the point I was coming, Mr. Brian Sacco, I was coming at that point. You find an example, parents are not providing, some not all are not providing enough requirements for their students, especially in campuses, colleges and even in high school. So parents also are supposed to chip in in their responsibility to support their children in various institutions. For example now, you find a parent giving less pocket money to his, let me not call a child but a student. So this student in a few days, the pocket money will be over so it will force to act on other things. I cannot blame also the parents, sometimes we are not all at equal average but what I can say like our institution at least is a center of equalization. That means when you join like our institution, we are all equal. So sometimes in any institution, we need to be treated at an average level to avoid this overspending or those who are low on the bar, you say. So I think also what is affecting the youths now, we the youths, is the technology. The technology is really running too fast and we youths, we are chasing it. You know, we thought technology is there to aid us in even having an easier life, it's giving more opportunities even in terms of the digital space. It is doing so but to some extent, we the youths are getting confused in length. Why should I say so? What parts exactly are confusing? Like I gave you an example of having a latest smartphone. When there is a new brand in the market, you will find any youth or even me, I want to have that phone. And the same function will be the same. The phone that you have previously that you had performs the same function just like the other one that has been. It's only a few different cases. So you find we youths, what is affecting us is that we are chasing technology and we really we want to be rich very fast. We are not going the pace of our parents or we remember our former parents used to go step by step but now you see it's an extent of even you find men gambling or students gambling to win a million. So those are the things that are affecting us that you can see we are not saving. So you discuss about the just starting a point to my colleague here that is Edgar. You talk of technology and for us we say technology for industrialization. Technology is made to my understanding or as technicians we talk of technology for industrialization it's just to get more innovated in the industries, not getting the techniques. So when a new firm or a good brand in the market you go for it and you start getting the new, you don't need to add any new, you don't need to wash, wash, you don't need to go. Like but for me to my understanding you talk of humble background. When you say a student or a comrade come from a humble background, students, most of the students maybe one part of your family, parent, student must do the main wing and then it's like you just decide we are talking about saving, right? So what you have saved we talk of from childhood or from high school you decide to begin a small course and so on. So when you are just a chance to take the others through the secondary level or high school level you decide to start or begin a short course for short term self-saving. So when you come to campus or for such institution like Arvist you realize that you have come while you are innocent, but you want to obtain their culture in your own studio that you get into that meaning of a spending that when I end up at a building, I will show to course in New Orleans and that's why most of the students want to get a nice. Another point concerning about the humble background, other students want to come to a scholarship maybe from area or account level. So you go to the Nene, to such institution, so they provide you with the basic need but they don't give you the upkeep like the students who come from the rich family. So you find that will force you because your friends want to force you to raise standards. But I feel like that's from peer pressure mindset and then it also stems down from I think from a moral perspective because I'm sure if you come from a grounded home where you are taught how to behave, you are modeled for how to be a gentleman or how to be a respectable woman even in campus as a kid, those things that you will not take off your moral compass. But anyway, let's switch gears. Also before you have savings, you must at least either be walking, you have a business. I don't think borrowing loans can make someone to have savings but then 90% of the young people especially in our country that are unemployed, they don't have savings. In short, when you don't have a job or you don't have a business, you don't have money. So if you must have then you must have sources of revenue that are coming in streaming and flawlessly and consistently as well. So how do we how do we tackle this monster? You don't have a job, you don't have a business, you're running. But yet here there is the pressure to at least have savings. And you know savings, it's not just even having savings, it's having savings and multiplying them, you know, having money in the bank but then investing again. Here it is in MacArthur for 40,000, it's 40,000 but being invested in other areas. We sometimes you're not sure, they're going to give you profit or returns. Now from a student's perspective still, at what point do you start saving and where do you get the money to save and how do you structure your expenditure to a point for example for parent is giving you 5,000, at least you're spending, you're spending, you know, the required amount and then saving the required amount, I just don't know. Let me start with you. To begin with, that is my point on saving. In my mind, I have two different ways of saving. Number one, according to me, you can have a forced saving. What do I mean by a forced saving? I can use an example. You are given by your parent, let's say a pocket money of 10,000. Then you've done your budget is that you can run, maybe, you can use around 7,000. So the other 3,000 will force you, due to your, to your, that's why I use it. Sacrifice, sacrifice. I just want to sacrifice and save this 3,000. Then the other perspective of saving is when now you're in job, you're earning a salary or you're running a business. So a normal saving in that or that understanding of saving at that account is that you're running a business that has profit. So that profit is what you are saving. I don't know if you're understanding me. I'm getting it very clear. So there's forced saving and you have that one that you do it just because you have run to a profit. So you can keep. So what is affecting most of us as youths? And the biggest insecurity and threat to our country today is unemployment to the youth. Personally, I'm worried that when I'll finish, maybe my school, I'm not that sure that I'll be employed because if we have 20 10 students still time marking and tracking at home. Even to get internship. Even to get internship. So the remedy of this is first the government to come up with a policy that can ensure that when students are done with their compasses or learning, they can get assured that they're employed somewhere. Okay, I know it can be a pressure to the government. Since we're youth, we are the majority now. I think in the world I live in here in Kenya. So managing the youth now is a bit tricky to the country. But I want to echo before you, I want to echo Mr. President that is Dr. William Ruto. Recently he came up with an idea of having a connection with the German in that you can finish schooling here and you're employed in Germany. That is at least when you have a multiple number of youths being taken there to work. I think now that's when the youth when we look, that is when they can answer and that's when they will save. Is that not brain drain? But anyways, we'll not talk about brain drain. No, not right now. Okay, thank you. I will add the point to my colleague that as comrades, we are short of man that we can save. Because we are not employed in the same case, we don't have businesses that we own. But to my understanding. Just a minute. But what happened to starting Ali? When you look at the histories of the biggest empires, even in business, I started mine with just two Mandazis. I was hooking, but now here you have a mega mall. What happened to starting Ali and looking for alternatives? Possibly, I know someone who started off in campus selling sweets, Seizi. She's a brand ambassador of a very, very, very big company that she has shares in. What happened to having that creative mind as Ali is first here in campus? Okay, before you continue, I can cut short and say, look at now, how many are we now like, for example, in Kenya? I can dispute you that there were examples of Ali investors who started very low. Look at that time and look at this time now. You gave an example of a Mandazi. Go outside and start hooking Mandazis. How many people are hooking Mandazis? I'm also saying, Seizi now, sir. Yes, how many people are hooking the Mandazis? Right now. So you find it is also the pressure in that. Even today, let's not go for cheap things like Mandazis. Let's go to a boutique. How many boutiques are here in Nairobi? And compare with that investor who started Ali. That's why you can find Ayut as often about taking here in Nairobi, but he can go there all week without selling anything. Just because. But that's part of the hustle and bustle. And that's what is returning us behind because there's no, like you stay all week without selling. And you want to sell. You never know tomorrow. You try again tomorrow. That's why I'm giving you an example. You find the first time with those Ali investors, they had an opportunity because you find maybe he was the only person selling the only commodity. But now I can say there's stiff competition. Is this stiff competition or lack of market and opportunities? Because competition is competition must be there. Whether you're in business or any career, you're always competing against someone or someone is always competing with you so that you stay in check and you guys have a market margin as well. So you can say competition is the problem. Maybe it's not that there are no opportunities or there's just no space. According to me, you cannot say that it's lack of what you said. I mean, to me, it's that stiff competition. Like for example, you have a boutique near stage where people drop from the vehicle or light. So the person will not have that time to go deep inside the town to buy from your boutique the same commodity that he or she could have, buy here. So it is disadvantageous in a way. So what environment will favor you? But we'll come back to that. We'll talk about it later. I will just add the point to my guide. You have talked about saving Ali. And he's starting Ali? Yeah. You're talking, you're communicating with the right person. I'm a good example. Although you had mentioned that your savings are intact. Before we come on here, you had said yours are anything I end up with, kind of, kind of. So what made people begin saving? Like, let me talk of comrades back in the institution where, like, my friends, when you're talking about all that, while you're beginning to knock up old tree, kiddo, kiddo, go to that, like, you have talked of two mandas. But you're talking about business, you're talking about you. What made them to start, me, my friends, while you're talking about normalization from far and is like, that was the end of their education, what if you got the peak of their success in education? So they decided, why should we start with Nini, he, he, ma'am, born up old tree too? Because they dwell on agriculture, or if I'm not, agriculture. So they decided to continue. Just to give a short story, but the guys saw that we can have the lessons. So this guy, this guy's begin with poultry farm, kiddo, go to Yakuji, Limisha, short course. And later on, they had the noble objective concerning the innovation, that later they came to expand the business, came with ideas of the easy incubators, the heap incubators, I mean, which can be used for coming up with a good number of chicks compared to one hen. So their objective was to expand their skills. And at the same time, it is a way of investment on their own. Now, meet me up in the foundation. And they don't want to pay? No, they don't want to pay. Now currently, we can't do it. And harvest is a good example. We have one guy, Sairna, supply all over Kenya in cubator at affordable price. So that, at the moment, he's from four, and I have afforded them in cubator. And at the same time, and I said, come on, invest me. Yes, you're burning your body. Many brands. I cannot dispute your point on, like, what you said, that having to start up somewhere small so that you can grow. Why is it not picking up at this moment compared to before? This is because the high cost of living now. And I'm sorry to say that. I'll repeat. Even 20 times, the high cost of living. So you find somebody can start that business of Mandazi, selling Mandazi, selling Mandazi. But the same profit that he will earn will just still come back to the same commodity he or she is buying from the current cost of living. And that's what is affecting us. Number two, we have said in Kenya, majority are illiterate on budgeting on, let's say, when running a business. Why should I say so? You find you are running a business without knowing that there are some extent you can have emergencies. So have you budgeted that when I have an emergency, I can use this amount? Avoiding moving it from the profit account. So you find in Kenya, we the youths, you can start up a business, yes, but you don't have the emergency saving. So you save the profit, but whenever an emergency arises, you lose the same profit. So is that an achievement or it is like a backbone movement? So it's a continuous process. The day that our youths will be more educated on budgeting, that will really make us to strive and go forward. And I cannot speak as I'm a 100% fewer. I remember only Jesus Christ was there. If I can put it, so it's affecting all of us. And that's why I'm saying we, all of us, yeah. Why are we having some disputes in colleges, universities, we are having even an extent of killings. It is because people, let's say, join in a relationship together. Instead of focusing on the relationship on building one another, one becomes a tick on the other. If you understand the characteristics of tick. And right now, you can't date if you don't have money. Exactly. You can't marry. Over the weekend, I was in a wedding that was very close to me. And there's demands from both sides. If you can't give this huge amount of money, then you can't take our baby girl because she has some certain levels of where she has achieved. But then I was looking at it from a point of, what happened to negotiating and networking? But anyways, that's a story for another day. Also now for a person who's working. Maybe for example, you're getting 100,000. And the standard, they say more money, more problems. You are living in this Porsche apartment. Yes, the money you're getting, you can afford it. But then when it comes to even spending now, yes, you're paying your rent. You're able to take some of these house bills. But when you're done, everything is done. There's no savings. Now for such a person, how can they budget to a point, yes, you're living in a good house and you can afford to pay the house. But then there's at least something small in a savings account. And I understand the dynamics of savings is the forestry must have an account. And then the second is you must have the money. And then the third one, maybe assets that bring money, maybe sources of revenue. How can a person balance that? Yeah, sure, you can go first. Okay, let me just tell you what my friend could have said. That we are talking about to balance the supply and equilibrium. Is that to balance the supply and demand at equilibrium point, is it? So that what you get, the income and the income and what you consume must balance at certain point, right? So, let me talk about the some people we wish to live a high life standard. Like reandiko, chakula, all the logistics like transport, you still need to share or share your, your, to say many, that you want to, you have some savings and you want to share to your friends, right? So, let me talk of, if you want to balance what you consume and what you get, you must have a budget, right? Yeah, I appreciate it mentioned. If you don't have a budget, then the supply must be higher, not the supply, but what you consume might be higher than what you. Because that's a regular spending and it's not intentional spending. But now my point is, how do you balance spending habits? Because spending habits contribute to whether you'll have savings or not. So if you have good spending habits, it means you'll have something to store. When if it's just like, let's say a thousand bucks, you can be saving a thousand bucks every week and you still, at the end of the day. There's always bad days, bad days will always be there. Before I drive my point, I can come this way. Number one, for you to save or for you to have a good saving, as per now, as per this generation, as per the time you are living in, you are girlfriend or your wife or the friends around you will determine your savings. Why did I use the three examples? If you have a girlfriend who is a spend drift, always on your pocket, or you want to do this, or you want to do this, or you want to eat this, like there's no single day she can do without. I promise you there's no day you'll save. Number two, that is a girlfriend. I'm speaking now. Not even a wife? Yeah, I'm going now to a wife. That's a girlfriend. You know, girlfriend. You're going to side check. Yeah. Okay. So a wife also, also does not understand you. She is always bringing those all lots of problems unto you that there's no day he will give you as a man a room to have peace of mind you'll never save. You see? Number three, I mentioned about friends. If you are friends who are at every time, oh, let's go out for a shisha. Let's go for liquor. I promise you those are miscellaneous expenses that you cannot incur. You'll be like you'll be going, you take liquor, which was not in your budget that I'm going to take liquor. So what can we do to, for that, for that person now you mentioned that yes, he has the money, he has done everything, but the problem is on saving. I promise you that that person following the three people I mentioned, that is where he or she loses the money. And I'm not talking of a man, even the same applies to the both sides. So that person is rotating among the three things I've said. So if that person can come out of that environment of poor friends, of poor girlfriend, you know a girlfriend is that one good that can tell you oh we can buy this, not about let's go out, let's take a plane to South Africa. Let's, you find yourself using a lot. You've not saved anything. So what you head for as your profit is not good. Okay, in just less than a minute, and then we sample feedback. So just to add a point about what he has said, at some point what make some people have, may wish to have saving, but they are unable. You find, let me use an example like I'm working in a remote, let's talk, let me use an example of a teacher who is working on a remote areas and another one in a band sender. So a person who is on a remote area doesn't have those logistics, right? Like and compared to a band sender, you pay, you rent, compared to a teacher who is in remote areas who can get just a structure or he's living in his home or our home. So I'm talking about the geographical position, right? You can as well decide to get close to where you work so that you can reduce the logistics. All right, I'd love you to sound off on this one very fast before I sample the feedback as it's coming in. What if for this kind of a person, they're attempting to save, immediately they start saving to, if you could do like 30k, something pops up and the expenditure cup puts. Immediately and I figure 100k, something happens. And at the end of the day, see at a fault here, external events that contribute to the depletion of their savings. And as I say, I take my share, now survive. And that's where I began my friend, Sakwa, when I said here in Kenya, we cannot differentiate between saving and emergencies, you see? So saving can be on its own other side, while emergencies can be. So in short, savings account, emergencies account and expenditure accounts. All right, I'm told we have to sample feedback very fast. We had asked you a question on our social media before I get back to you. Saving is not going to be an impact to our channel. It's going to be an arambic or arambic. But you guys will see your social media. Let me see the one that's relevant to the topic of savings. That is, savings can be on a daily basis. That is Babashantel. And then there's one, I need to bring one to my channel and see if it's going to be good or bad. Okay. Oh, my goodness. Bless it, Brian. Scoop on a good topic. But then I'm going to say it's a complaint there to my partner. Ah-ha. Djibu, I'm going to say Val, my all-year crush. Val, you have a crush. Evansu Vida, Zakaum to Oshura, Meneke Angu. Wow, wow, wow, wow. Kate Rinshiko, I'm going to say my kagandam ranga, well-represented. Come on, Yusvenian Assayma, count me in Bouterika-Komega county to conduct us. Thank you. And the last one, now, second last one, Libusi Austin, and Assayma Wa, Vituzingina, and Ko-Kumbusho, and E-Moto, who have a heartbreak, anyway. And I'm just enjoying the show, Aditamati. Thank you. And the last but not least, Dawrac, We are out of time, social media. Don't say any other one, social media too. Oh, my social media platform? Yeah, very fast. Yes. Facebook Edgar Keep. TikTok Edgar Keep. What's up Edgar Keep? Yes. Facebook Shadra Sakayun. Sameer. All right. I have been speaking to these two powerful gentlemen and we have been talking about the Seven Skull Chair. We are out of time, time ran really fast. They say, you know, when you're having a good time, time goes very fast. Thank you so much for interacting with us on that hashtag. Go in the morning. We can call it a day. You can find me at Brian Sakuanohan. See you tomorrow for Entrepreneurship Tuesday. It's going to be fun with the rest of the amazing trios. That is at Kalami Val, at Stefania Jeter. See you tomorrow.