 Thank you for staying with us. You're still on to the breakfast on Plus TV Africa and now it's time for a hot topic We're looking at Lagos assembly raises an old case 2.26 trillion Naira 2024 budget so Lagos State now has increased their budgets and this is a trend that we've seen but We're going to have someone who would come and you know just speak to us about all of this and is Joe Femi Danguro is the founder and president kusha fair chamber of commerce and industry. Good morning, sir. Thank you for joining us Hello. Good morning, sir. Oh I think there's a technical glitch, but we'll have him soon. So anyways, let's talk about the budgets We're looking at 2.26 trillion for Lagos States and We've seen how there's always a rise and increase in the budget But you know, one of the questions we'll be asking the guest is Is it proper to budget On money that you do not even know if you will realize everybody in Lagos is crying about the tax And then you're thinking about raising the budget based on the tax that Yeah, okay. Okay. I think we're having now. Thanks for joining us. Mr. Femi. Dagunro We're talking about the budget of Lagos State and it was a particular amount was sent to the to the House of assembly and they raised it up and then approved the raised budget and Our first question that we're trying to ask you and we are asking you right now is What do you think about the trend of Ministries and power status requesting a particular amount of money and the executive sending this amount Collate a collated amount to the assembly be it State or national assembly and then they change the figures and move it up Do you think it's a trend that is good or bad for our economy? First of all, we have to understand the fact that the law allows that You know as long as the law allows that that's not what we Can do and apart from that, you know, there is always this committee stage In in planning or defending the budget presenting the budget and Really in the budget and when it gets to that coming to stage there are opportunities for ministries and da's and to come up and defend it and At that point a couple of things could go up or down they could review it up and it was in all this is too Hello, sir. I Think maybe you might be muted because we can't hear you Hello Think we've lost them again. We lost the audio from Fermi Daguro as soon as we are able to rejoin He's able to rejoin. We are going to continue with him to give us his thoughts. Yeah, but Well, the law allows them to give them that because the law allows it doesn't mean he has to be a trend Doesn't mean you have to do that all the time because never been reviewed down Hello, sir, I can't remember Okay, sorry, we lost your audio for a bit there continue with your train of thoughts Yes, I was saying that you know, there's nothing we can do about that because the law allows that and at the same time Maybe during the committee stage if they are invited and they have to defend it and they can see that okay Let's review it What are to increase or to decrease and in most cases like I had you say He's always been in crisis as it has never been decreased. Yes this is politics and In some cases you see most of these things we talk about a budget honestly average Citizen every Nigerian does not even know what is all this budget about. They don't really care much about it Let's put it that way all they want to do all the want is for them to have food on their table All they want is for them to be able to take care of their children to be able to go to the Hospital I'm taking care of you see, but the good thing about this budget when I had the speaker Obersa When he was saying that look let's deviate let's move away from this palliative of give you rice and beans and all that Let's begin to you know have the palliative of providing medications drugs for the Public sector to do all the things I think that's a good one, you know if the government can do that line and You see in Lagos state the idea of thing that you are talking about is Lagos is highly populated when you look at it with about some millions of people coming in daily or monthly Hundreds of thousands of people still coming in so infrastructure has to be developed. It was first of choice. I have to be maintained Even if they have almost seven or eight percent of the national budget. Yes, I think it's just being Transparent with a execution. That is what is most important here Okay, so I want to talk about the impact of this budget on the citizens of Lagos state How is this budget going to even going to be impactful? What are the things that we start to see you were talking about infrastructure and all of these things So what are the things we might start to see when? When this budget is being realized? Yeah, we got just to join to that. There's also fear because the budget is premised on tax and You know revenue going up already a lot of people are complaining There's so much tax in Lagos and that's why so many companies Rather in Ogun state and then targeting the Lagos market and people are living in Ogun state and then coming to work In Lagos state so in talking about the impact What do you think will be for the average Lagosian in terms of tax because that is where the money the bulk of the money Is going to come from people are afraid should they be afraid or should they not be afraid? Good questions. It's just a matter of time. Most of the states almost it we have to Increase his own idea as well And so if anyone thinks of going to one state because we're moving away from tax What about if the other states you said, okay, we're increasing our taxes, but the thing is to have a Taxis streamline so that People are not bothered or people are not, you know, we need to feel there about pain. I mean here if you look at it if you have to pay for Your car registration and you have another one one thousand era for identification and the federal government is saying oh We have to pay another five thousand era for the same identification, you know, so the whole thing is really Worrisome, it's not just Lagos state the budget has to take care of so many things. Yes, but taxes are Boding on the people and there is worrisome It is when we go up like this and then before you open an account again if we are an NGO or you have to go and get FCC clearance. So all these things are not Something that any business man or woman want to go into we want the business friendly environment We want people to come and invest in our state in our country and we have to give incentives rather that this given Descentive, you know, we are this in the center by seeing the whole thing If there's anything like that, and then it's not going to be something that investors will like and and those of us who are here Doing business in Lagos, you know, Lagos is the commercial nerve center of Nigeria But then when you have to pay business premise registration, you have to pay your pay There are so many until it is streamlined But if it is not streamlined people will continue to complain and people will continue to look for a better place To put the investment is just straightforward like that But I know that it's just a matter of time most of these states that people go to When they have infrastructure problem as well, they will begin to increase their taxes in order to generate They are internally generated to increase the idea. Let me put it that way Yeah, but for now they still remain the darlings of the people who want to survive in this Nigeria because Lagos is quite Expensive in terms of taxation, but the question directly that she asked was that what will be the impact on the people you said you had the Speaker of the House of Assembly, Obasa talking about what they need to channel their energies to so what really According to your understanding of this budget is going to be the impact on the people the average Lagosian Yeah, you can understand it this way if we have Good transportation system like we have this blue rail all this Infrastructure beam providers and if you if you if you have the people we have to do more if the Fort Launland Bridge is Is coming up and it's been executed properly You have opportunities for people if you have the inland waterways Being well managed, you know a lot of things could come up and even at the end of the day We have the Coastal Tourism we have to boost the Coastal Tourism in Lagos state That would be job opportunities for some people a lot of all these opportunities could come but we have to execute this project You know, you know transparently and that is why people really here about Increasing budget people just think about the party. Why must you increase the budget after all? They knew what they wanted to do before presenting the budget to you. Yeah, okay. Why don't you do please? You know, so that is what I'm saying is Worrisome, but as long as the law allows it there's nothing we can do we can sit down here and talk about it tomorrow morning It won't change anything and by the way The the governor has not ascended to it But we just know that the governor will sign it and it will become law and it will become functioning You see the various days I see a situation whereby if citizens just look at what happened with the dr. Doherty he he saw a fault in what was uploaded and he wrote, you know, the gentleman wrote and at the end of the day The governor reacted the ministers reacted that it was a fault on our side This is what I was supposed to be uploaded if we are citizens who will see something wrong We should be able to connect with the government and let them understand it and the government would connect with us I'm just okay. This is truly a mistake or not a mistake and clarify the issue and we begin to understand I think the masses the citizens as well We have a role to play to assure that things are properly done That's by the father. Doherty was in the opposition. He, you know, he showed You know humility in writing and there was a color these respect as well I think these are the things the citizens are expected to do but just sitting down and complaining and You know gossiping and all that kind of thing. We're not here. We have to, you know Stand up and make our voices here All right, so let's talk about the number which is 2.26 trillion and Naira My question is is this even feasible? Is this feasible to achieve or are we just looking at a lot of Companies being taxed for this. So obviously the number then for them to realize that number It means heavy taxation sometimes even double taxation on companies So is this feasible, especially if our economy is the way it is at the moment? Well, you know, like I said, you know, the government has investments as well and they they are expecting on their investments as well and It's something that might let me say cautiously optimistic about you know being feasible to achieve Because they must have planned it. They know what it is and that is why it's a budget and It is not something that is compulsory that we must but then it would be good if the government achieves this But then it's a budget is planned and they work towards it and if they can achieve it fine It should be better because of some of these capital projects They are planning to risk it and because like I said Lagos is a place whereby you have to continue to you know improve on all these things, you know this capital projects and your current expenditures expenditures, they are high as well and they have to do more and as long as people keep coming here people keep Looking forward to coming to Lagos. You said Lagos is expensive It's just like when you stay in Frankfurt or you want to live in New York So you expect excuse me you expect this to happen and that is why Lagos still has to improve on its budgetary allocations as well Well, even though every time we talk about the The tax that people might be taxed and all that but experts have also said that The tax in Lagos may not be as bad as people are seeing it a lot of the money that people pay is extortion rather than tax What do you think can be done by Lagos to curb these Minutes of extortion because you are supposed to spend 10,000 for instance And you don't have the 10,000 or you don't want to pay somebody comes and says okay Give me five and let's forget about it You might end up paying those five five onto up to three times Which is now more than the amount that is supposed to be asked of you So what can it can be done to make sure that this multiple? I won't even call it multiple taxation They extortion fee that a lot of people have been paying in Lagos in the name of tax Will be curved That is why I said we have to streamline it if you don't streamline this because actually look at that Scenario you have just painted the five thousand is not going to government. So the government is losing Yeah, you know so the government cannot afford to be losing money that way So the most important thing is just why we streamline it with if the government can streamline some of these things And then the money will come directly to them and it should be something good for the government if you ask A local government to collect a certain tax from its people And some bunch of people will just be on the road and block your way and say you have to pay your radio and tv tax Just like that, you know, we see nothing But then if it has been streamlined in a way that you know, we are registering your car this You have a radio in your car. No doubt about that. You are paying all these things together Like what they have just done now if you look at when you are You know registering your car or renewing your vehicle license a lot of things have been put into it So you don't need to worry about paying one point to the other and you know rolling around to do that If we were insurance everything is packaging in one One point at one point. So if that can be streamlined I mean the government we have more money in their process and There will be no need for this multiple or double taxation We all complain about nobody likes that nobody likes to be embarrassed But then it's just that the government has to find its way To streamline and to bring back sanity into the means and ways of collecting these taxes Yes, you are correct when you have to do extortion, but You know, I think no government is interested in seeing these people Having been messed up that way, you know in terms of extortion and stuff like that Okay, so I was going to ask right This budget, do you think you can go far enough to address the issue of the state? And you know, what are the areas this budget can you know address? Like I said, the budget itself is not going to solve the entire problem of legal state at once to this 2024 We will still continue to have budgets 2025 or more years to come But it was so good and we have to begin to look at it. Whatever this can Resolve whatever this can maintain whatever this can, you know settle Let us do it carefully in a prepared manner and in a transparent manner That's the most important thing we have to look into So but it might not and it will not solve the problem of legal state in 2024 You know, each state we continue to improve on the You know budgetary system and they have to improve on their Recurrent expenditure. They have to improve on their capital expenditure. They just have to improve the people want to see Government Taking care of them. Yes in so many ways the businesses want to be considered and the government has to at the same time Dialogue with the smaller media scale entrepreneurs as well. It is not just only the trillionaire making Companies, you know, we have the smaller media scale entrepreneurs who feels they are not being considered They are not being you know talked to they are not being involved because they have the problem the artisans as well So I think The government has to look into that carefully to listen to these people and Even if you can't resolve all their problem at home, but engage them have a dialogue with them These are the the backbone of the economy whether you like it or not You have the micro and you have the micro as well So if the if the micro is suffering if you affect the micro economy as well So we have to begin to look into the micro economy and support them one way or the other It is not enough just to give 5,000 or 20,000 or 50,000 to them I mean we have to provide them a sustained development program whereby The government has to back up a few things and then you can you can take a loan A single digit loan with the government backing. I mean these are the things that have been done in in other countries And we should be part of this country in the world that we say look Investors of smaller media scale entrepreneurs. They can enjoy part of this budget as well So in in that chair, I think it looks to have to be done when it comes to the area of business development in legacy Yeah, um, I was going to ask you that uh, but I think you should just for more emphasis add some more solutions to it because you are A commercial expert, you know, you are the founder and president of course refer chamber of commons and this industry What are the things? What are the takeaways from 2023 into 2024 that you want the government specifically apart from the ones that you've mentioned to address to make sure that Lagos being the commercial nerf center of of Nigeria remains that commercial nerf center and Comments in Lagos would be easy for the people who want to engage in it You've talked about the smaller medium-scale enterprises and all that what other things can be done to make the commercial Atmosphere flourish in Lagos In 2024, we have to engage their youths as well You know, we have to train our youths We have to engage them to you know, pick up a skill and learn the skill and and and learn it well because you know Before you know it you already running short of skilled label, you know, and it's getting worse if Other countries european countries are coming to Africa To take our skilled label the way not only the medical doctors or the nurses they are beginning to look for bricklayers electricians and and and all these other skilled Artisans and so if we don't train more we should engage, you know, these youths to understand that look It is good to to to be trained and it is good to have the skill It is not enough to have a bsc in geography or bsc in In any of these courses, but it is good to have this training and that is why The government has to increase The area the training the aspect of training and in all their courses in the universities and polytechnic It has to be emphasized that hope should be made on the area or in the area of skill acquisition It is very important because if we don't have that it will mean the companies that are strategic here or look it in here But one day they begin to see that we have to bring in the skilled label from neighboring countries and which will not be a good thing for us Okay, well for me I know one of the things that I would love as a person is to ensure that there are no bottles On the road because I know how much One time I was driving and I went into a ditch and I spent over 200 k Repairing my car to fix the car So I'm sure there are other people like me that have other things that they would really love from this government or from Lagos state government Education for me is important Yeah, I was even going to go to bed I'm just telling you something about that Portugal thing. You see sometimes we have to look it might be a local government Road, you know, we have the roads that are on streets and some other places But because most of us we don't engage our lawmakers at the local level and at the state level So if we begin to engage them if you have that portal that's so bad and cost you so much It should have to just send a message to your Lawmaker, you know, or to begin to see that lawmakers are not great makers. They are not the rise distributors You see, but you know, people just wait until when there's any disaster or crisis I will be going to see them is put in a rise or whatever They are lawmakers They are supposed to have to do this oversight function if the road is bad And maybe it has been projected for and it's not done or it's not done well And you are sending a letter or a mail or phone call to you know, with the attached bill of your repairs, you know It might go in a long way. I'm not saying it might be an immediate thing that they will just react But if one or two or three people, you know educated people like you, you know, should come up with this They will listen at some point. It might not be an immediate thing But that's what I'm saying. We have to rise up as as citizens and begin to engage them If we do engage them and wait on it to become worse Then we are not doing our duties as well. Well, I don't I don't know I don't know for you I'll go to finish my question Okay, but carry on a lot of a lot of times we don't see our lawmakers except we have to write letters Open letters on the national daily, which we'll have to pay and all that But you just raised the question of engaging our local government chief teams What would you how would you assess the local government in lakers because or elsewhere? Everywhere in Nigeria local government doesn't seem to have anything So tangible that you can hold them accountable for so I don't know the rule that is belonging to the local government And another is for the state because I'm always federal as one or two things So how would you assess the local government in Lagos state? Do you think they really are autonomous and can be engaged in things like this and say you are responsible for this go and fix it Is it why you talk about being autonomous, you know, you want to look at what the law says But in reality it might be a different ball game but like I said, uh The law permits you as a citizen of as a citizen of this country to do certain things And one of them is just to engage your lawmakers your counselor your world representative your You know all your representatives in the house of assembly in the city and wherever they are But in most cases we are citizens. We don't do that. And as long as we don't do that Okay, it's another thing to say do you have their telephone number? Do you know their addresses? Why don't we write directly to the house of assembly? They all have Uh The portal that will take these letters to them if you can't reach them directly write to them They go to the house of assembly name get a name on online and get all these things online You see all these names their offices and whatever send it directly to them And if you can copy the speaker, you know the speaker who gets it or whoever the committee I'm there you say committee for that so until we begin to you know increase Our own effort in making sure that things work better for For us as well. Then when you talk about the the capacity or their ability to perform Yes, if it is based on performance, you might see that some are performing and some are not really performing And it is because we are not engaging I repeat if we engage them We have to engage them meaningfully but some of us are you know some you know You say I don't want to be involved in politics. I don't want to get myself involved in politics If you don't want to get yourself involved in politics and these are not being done well Then you have yourself to blame. So these are the areas whereby I want people You see most of us especially the so-called elites, you know, they don't even know who represent their world They don't even know who represent their constituency, you know So let's get involved one way or the other and begin to make sure that things work well for us Not just for them, but for all our citizens unless we do that and that's why I cited the example of that gentleman Don't have to what he has done. Look at what's going on in Lagos right now You know, you have ministries all over the place, but look at what that gentleman is doing. What have you know? This is this is 2024 and you see what the the the climate change You see what it has done and what it's doing in other countries and look at people Deliberately flouting the law of Lagos state and this guy came in focused and is doing what he's supposed to do So that is some of these people are focused and they want the assistance You know, they want the support of the masses and today in a ministry of environmental Lagos state and it is It's trending just because one man there decided that he's going to be focused to do the right thing So it's trending because of so many things and it's not about tribal issue It's not about any it's just about the facts and it's about the law So let's begin to get something done for ourselves All right, so in getting things done I think one takeaway here is for people to be able to engage yellow makers Most of the time we don't even have their their email addresses We sing we should all write to the all the phone. So how do I even write? How do I write to the state assembly and copy them copy? Anyway, you have Telephone number might be outdated the email might be outdated and that is why I said, you know writing straight emailing straight Or writing a straight letter straight to the state assembly straight to the national assembly They'll surely get it and in some cases they have offices anyway, but if their offices are not Open maybe regularly it's a different issue and when we begin to talk about state on national tv like this And they'll begin to say oh people are watching out But we concentrate too much on abuja, you know, and you know, we leave out the local government We leave out the state government and that is why you know, some of them will take it for granted after all is only abuja The president they are they are bombarding. I mean, let's keep, you know Let's keep our ways of you know So we have to begin to talk about states We have to begin to talk about a smaller medium enterprises Nobody's hearing mostly about smaller medium enterprises. You hear about the You know all these other big time companies and the people the the micro economy is suffering as well So if we begin to pick it up from the grassroots You know then each week, you know, there will be an effect in the long run But if we don't pick it up from the grassroots The changes will not really come the way we want it. So the grassroots has an importance And that is what we have to begin to look into Okay, um, I know you said we have to you know engage them But one thing I was um speaking about during off the press was the fact that Most of the time we don't really have like a maintenance culture in Nigeria And this is me talking about maybe like roads or whatever Shouldn't that be a team of people with you know, there's um representatives or Whichever government official shouldn't there be a team of people that monitor these things that needs to be done Do we have to do we have to write when it's already bad? Shouldn't they you know see these things and say, okay, we know that at such a time We need to maintain this road. We know that at such a time. Let's say what I don't even want to go into housing But you you have to because I want to believe that as a lawmaker you were supposed to be thinking for the people You're supposed to be thinking what can be beneficial. You're thinking out of the box. You're thinking of ideas You know that would work for the people of Lagos or for the people of Nigeria as a whole So shouldn't they have teams do we have to be the one that have to write to them to say, oh You know, this road is bad. Oh, oh my landlord has increased my rent with over a hundred percent Or oh like why can't we have all of these regulations in place? And teams that can start to carry out the job that they were being elected for or asked to do You see, that's why I mentioned that gentlemen's name Specifically We can see and we need more war halves. We need more people to you know to fully Be focused on what they are, you know appointed to do and that's the same thing at the further level I keep mentioning that gentleman or Joe at the interior ministry what is doing and we can see that But you know, let's begin to you know, mention their names. Let's begin to you know, you know Praise them when it's necessary You know, and those who are not doing well would begin to tell them to do well as well You know, that should be performance recognition for all these people as well So if we begin to do that There one of the things the assembly men and women are to do is this oversight function That is going around making sure that if you say you want to build route a that this route a is revealed And according to specification and based on what you budgeted for So there should be a monitoring team in in in in the state that should be a monitoring team Uh in the local government. Yes, there should be But when they are not performing well, the citizens have to wake them up And that is why we are the tax pay people. That's why we are citizens of Nigeria. That is our duties as well We have a duty Unless we don't want to be sincere to ourselves And it's part of our duty to do that if they are sleeping we wake them up and say look This is the time to do this. This is the time, you know, unless you begin to do that. Honestly speaking I don't think uh, we have to wait for them to think for us If somebody doesn't think for you and you think for yourself what is good Why don't you tell him listen? This is what I thought for myself I mean, it's as simple as that But it may not be as simple as that getting it done getting across to them And that is why we have to you know organizations have to be formed Look at even the chambers of commerce and industry We have to have in all local government that should be more local government Chambers, it shouldn't be just one at the top You know, we should have more so that the people at the grassroots at each local government Will begin to understand that look we can be you know To represented we cannot have advocacy group which you have, you know, what's it called? Trift organizations Which you have cooperative societies in all local government If you don't just be these when there's a crisis or take palliative and that's the end And you'll be waiting for the next crisis to get palliative No Let's begin to come together as citizens and plan for ourselves and execute some things we are saying You know our roads we can you can head maintaining Is it is it a government that would tell landlords to plant trees in front of his house or in his company? But we see houses being developed. You don't have trees. You don't have flowers I mean these are the things that people should do And when the government comes around and say look you want to build those one or two areas And begin to plant flowers and begin to plant trees then they say the government has come again. I'm not just to find I'm not you know, I'm not here to say the government is good or the government is bad But I'm saying some of the things we as citizens we need to do You know, if I plant flowers in my compound or in my in my house, it is for my own betterment If I plant trees around my house, but look at what is going on today Look at all these new buildings here and there fantastic architectural design But nothing Well, I mean, I'm glad that at least you've singled out one commissioner or one person in Lagos state Oahab and said that he's done a lot of good things Commissioner for environment is very good We do hope that he will also take into consideration the fact that Lagos has been ranked almost the highest When it comes to open defecation That these are culprit states that are not making it easy for that to be achieved The ban on open defecation Let him have his team since he has the team that goes around to tell it not just demolishing markets Let him have his team at least just go pass through the Pedestrian region or you do beggar for instance, which is like the welcome to Lagos that we've been hearing about That is where you enter Lagos and you find out that this Actually, you are in Lagos they They amount the amount of filth that is in that place Is is terrible because if a tourist is coming from america, it is not to come and see Banana island. It's not to come and see want to go into the street Yes It wants to go into the street take a keke as everybody else and see places that really make Lagos the bustling city In Nigeria and it will be an eyesore for someone to take a Pedestrian bridge and look down and see all kinds of nasty things The median That was so beautifully done. I was expecting there will plan some ornamental And all that but it wasn't done But even if it's not done, let it be clean enough because once you enter Lagos The first thing that strikes you is the stench which should not be so if you have his ear Please tell him well who if anybody else who is listening to us or watching us right now has his ear Let him do something about this a guest we had earlier on was talking about the fact that we don't have Public convenience and that's why a lot of things happen like this But let him look at the root causes and find out what can be done To clear the drains and to stop the open defecation and so many other things that are not very good for our environment Yeah, it's interesting you even talks about drains Right now we're in the dry season So you don't really see a lot of water But then when it starts to rain everywhere it's flooded especially on the island So these are things that you know, we need to start looking into but I mean I'm glad we've had this conversation at least now. I know that I need to write a mail To them and you know, just state all of our concerns. So as Nigerians or as Lagosians We need to start to state our concerns to these people so they can start to do the work And we we get to see the change that we actually desire But yes, this is where We will wrap it up here. Well with you. Thank you so much for coming and just having a conversation with us We really appreciate your time And your valuable contributions. Thank you so much, sir You're most welcome. I appreciate it. Have a good day. Happy new year to you. Happy new year That's good. Thank you. All right We've been sticking with Joe Femi dango road the founder and president of kosho fair chamber of commerce And industry and we're talking about the Lagos state budget of about 2.28 trillion Naira. But yes Sadly we were supposed to be talking about mapping your success as our second hot topic but Lagos And traffic happened to our second guest. Yes. That's that's what happened this morning But I'm sure we'll have it we'll have him again. Um, sometimes soon. Yeah, some somebody might say That's the beauty of technology could have had him on zoom or him or her on zoom Yeah, but there are some guests that we just want them to be in the studio. So Yes, exactly better than that But we promise you we're going to bring back that guest When it will be more comfortable for all of us and then we'll have that conversation because we're just starting 2024 Yeah, and we want you to start on the right notes and we want your success this year. So that's very crucial Maybe we'll do a part two of that so that you get to know that you can actually invest That small money that you don't need for the next three months or the next six months and all that And instead of being debited by the banks Interestingly, I even said I was going to call him. Um, the little money I have lying around I want to, you know gather everything together and then even if I want I mean I'm going to start small because as we all know and I've stated it so many times I'm not the risk taker I don't like and I've never done such because I'm like, um, I'm not sure I'll rather keep my money if I could dig a hole in my back I'm put the money there. I would have but I think I'm right now. I'm being open It's a new year So I'm being open to more opportunities and I'm like, okay Maybe we can just try this if it's two months three months and let's just see what we get Then we can now dip our legs into the pond later on So it just reminds me of the quote for the day that the impossibilities of yesterday's Or the achievements paraphrasing now the achievements of today were the impossibilities of yesterday So what you're thinking is not achievable or it's too risky or it's too You know, can I can I not tomorrow might be the the only thing that will make you Say yes, 2024 was really good for me. You have to take the risk You have to take the step otherwise things don't get done Yeah, I'm ready. I'm ready to take the risk. Yeah 2024 is my year of taking good and calculated risks So we're not just telling you to go there and just take risk Don't go and put your money into all these ponds these games Someone who does bought a new car the the first car, you know, you can't sleep well When you don't buy the first car, you're like, ah any small noise outside is that my car? That's why you should have insurance Yeah, especially if you don't have insurance That's why you should have insurance That you need to know have insurance for everything There's insurance for actually everything including your life. So you do these things Health insurance, life insurance, car insurance Yeah, it's been a wonderful run this morning And we're hoping that we'll meet again tomorrow morning We hope that you'll have a very, very wonderful day today Until tomorrow, my name is Nyam Gul Agaylu My name is Rume Paul Singh. Have an amazing day