 Hello, my name is Memby Facy and I'm a manager at the Central Bank of Nigeria. I joined the FMA Academy to increase my financial knowledge coming from an economic background. I have no financial knowledge and financial background, so I joined the course to help me interpret financial statements because at the Central Bank, our job is to go through loan appraisals and appraise them according to if they deserve to get a loan and some of them sent financials and in the past what I've been doing is googling what the financials mean to interpret to make a decision. So I wanted to deepen my knowledge and have an understanding on how to interpret financial models and also develop a financial model myself. The course has exceeded my expectations. It was very detailed, very hands-on and very gave a lot of explanations. They taught us not only to pass the exam also to get knowledge for the future. So in case they twist the exam or somebody comes up and asks us a question in a different way, we're more equipped to handle the questions. So I'm very glad and I'll recommend the financial model to Brown Consulting to anybody that wants to do the financial model exam. Thank you.