sample

.gitignore

@@ -3,3 +3,7 @@
 *.session-journal
 .env
 Secrets.md
+*.mp4
+*.png
+json2vtt.py
+example.py

App/Shaders/utils.py

@@ -2,7 +2,7 @@ import os
 
 os.environ["WINDOW_BACKEND"] = "headless"  # Use software rendering
 os.environ["SKIP_TORCH"] = "1"
-
+os.environ["DOCKER_RUNTIME"] = "1"
 from DepthFlow import DepthFlowScene
 import uuid
 

requirements.txt

@@ -32,6 +32,7 @@ numpy
 broken-source
 
 
+
 # git+https://github.com/snowby666/poe-api-wrapper.git@2c91207598ad930901cb9fb09734705056b7b6a9
 # git+https://github.com/Mbonea-Mjema/ballyregan.git
 

stt_output.txt

@@ -0,0 +1,8519 @@
+1
+00:00:00,000 --> 00:00:00,260
+ All
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+2
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+right,
+
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+00:00:00,460 --> 00:00:00,480
+so
+
+4
+00:00:00,480 --> 00:00:00,700
+today
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+5
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+we're
+
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+heading
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+7
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+over
+
+8
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+to
+
+9
+00:00:01,760 --> 00:00:02,740
+Tanzania.
+
+10
+00:00:03,440 --> 00:00:03,840
+ Yeah,
+
+11
+00:00:03,840 --> 00:00:04,240
+Tanzania.
+
+12
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+ Taking
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+ Absolutely,
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+ NMB
+
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+bank
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+26
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+CRDB
+
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+
+29
+00:00:11,419 --> 00:00:11,619
+ Yep.
+
+30
+00:00:12,000 --> 00:00:12,259
+ We're
+
+31
+00:00:12,259 --> 00:00:12,619
+gonna,
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+you
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+33
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+ See
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+35
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+what's
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+36
+00:00:14,099 --> 00:00:14,240
+what?
+
+37
+00:00:14,320 --> 00:00:14,599
+ Yeah,
+
+38
+00:00:14,679 --> 00:00:14,839
+figure
+
+39
+00:00:14,839 --> 00:00:15,000
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+an
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+00:00:18,399 --> 00:00:18,879
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+55
+00:00:19,120 --> 00:00:19,260
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+00:00:19,460 --> 00:00:19,600
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+57
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+yeah.
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+ Okay.
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+ Yeah.
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+their
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+00:00:41,420 --> 00:00:41,600
+ Yeah.
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+ So
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+that's
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+NMB.
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+ Okay.
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+
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+00:01:24,168 --> 00:01:24,328
+ Yeah,
+
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+00:01:24,487 --> 00:01:24,587
+definitely.
+
+266
+00:01:26,027 --> 00:01:26,027
+ Market
+
+267
+00:01:26,027 --> 00:01:26,527
+cap,
+
+268
+00:01:26,587 --> 00:01:27,527
+TSH1
+
+269
+00:01:27,527 --> 00:01:28,408
+.67
+
+270
+00:01:28,408 --> 00:01:29,128
+trillion.
+
+271
+00:01:29,768 --> 00:01:29,968
+ Okay.
+
+272
+00:01:30,048 --> 00:01:30,188
+ So,
+
+273
+00:01:30,188 --> 00:01:30,287
+a
+
+274
+00:01:30,287 --> 00:01:30,468
+little
+
+275
+00:01:30,468 --> 00:01:30,747
+bit
+
+276
+00:01:30,747 --> 00:01:31,227
+smaller.
+
+277
+00:01:31,647 --> 00:01:31,647
+ A
+
+278
+00:01:31,647 --> 00:01:31,727
+little
+
+279
+00:01:31,727 --> 00:01:32,147
+smaller,
+
+280
+00:01:32,628 --> 00:01:32,707
+but,
+
+281
+00:01:32,707 --> 00:01:32,707
+you
+
+282
+00:01:32,707 --> 00:01:32,888
+know,
+
+283
+00:01:33,128 --> 00:01:33,347
+not
+
+284
+00:01:33,347 --> 00:01:33,768
+insignificant.
+
+285
+00:01:34,007 --> 00:01:34,247
+ No,
+
+286
+00:01:34,247 --> 00:01:34,367
+not
+
+287
+00:01:34,367 --> 00:01:34,507
+at
+
+288
+00:01:34,507 --> 00:01:34,608
+all.
+
+289
+00:01:34,787 --> 00:01:34,888
+That's
+
+290
+00:01:34,888 --> 00:01:35,048
+still
+
+291
+00:01:35,048 --> 00:01:35,247
+huge.
+
+292
+00:01:35,268 --> 00:01:35,807
+ No,
+
+293
+00:01:35,967 --> 00:01:35,967
+no,
+
+294
+00:01:36,108 --> 00:01:36,168
+absolutely.
+
+295
+00:01:36,228 --> 00:01:36,408
+ Yeah.
+
+296
+00:01:36,888 --> 00:01:37,147
+ CEO
+
+297
+00:01:37,147 --> 00:01:37,787
+is
+
+298
+00:01:37,787 --> 00:01:38,007
+Abdul
+
+299
+00:01:38,007 --> 00:01:38,507
+Majid
+
+300
+00:01:38,507 --> 00:01:39,128
+Nisekela.
+
+301
+00:01:39,388 --> 00:01:39,628
+ Okay.
+
+302
+00:01:40,108 --> 00:01:40,168
+ And
+
+303
+00:01:40,168 --> 00:01:40,228
+they
+
+304
+00:01:40,228 --> 00:01:40,388
+got
+
+305
+00:01:40,388 --> 00:01:40,587
+a
+
+306
+00:01:40,587 --> 00:01:40,787
+team
+
+307
+00:01:40,787 --> 00:01:41,247
+over
+
+308
+00:01:41,247 --> 00:01:41,628
+4
+
+309
+00:01:41,628 --> 00:01:42,048
+,000.
+
+310
+00:01:42,268 --> 00:01:42,668
+ Wow.
+
+311
+00:01:43,108 --> 00:01:43,608
+ So
+
+312
+00:01:43,608 --> 00:01:43,927
+a
+
+313
+00:01:43,927 --> 00:01:44,268
+slightly
+
+314
+00:01:44,268 --> 00:01:44,728
+larger
+
+315
+00:01:44,728 --> 00:01:45,287
+team
+
+316
+00:01:45,287 --> 00:01:45,847
+than
+
+317
+00:01:45,847 --> 00:01:46,367
+NMB.
+
+318
+00:01:46,967 --> 00:01:46,967
+ Interesting.
+
+319
+00:01:47,312 --> 00:01:47,792
+And
+
+320
+00:01:47,792 --> 00:01:48,112
+their
+
+321
+00:01:48,112 --> 00:01:48,352
+share
+
+322
+00:01:48,352 --> 00:01:48,812
+price
+
+323
+00:01:48,812 --> 00:01:49,392
+is
+
+324
+00:01:49,392 --> 00:01:49,852
+at,
+
+325
+00:01:49,852 --> 00:01:50,092
+let's
+
+326
+00:01:50,092 --> 00:01:50,292
+see,
+
+327
+00:01:50,572 --> 00:01:50,592
+T
+
+328
+00:01:50,592 --> 00:01:50,932
+.S.
+
+329
+00:01:51,152 --> 00:01:51,272
+H
+
+330
+00:01:51,272 --> 00:01:52,052
+.640.
+
+331
+00:01:52,352 --> 00:01:52,632
+ Okay.
+
+332
+00:01:52,832 --> 00:01:53,092
+ So
+
+333
+00:01:53,092 --> 00:01:53,392
+this
+
+334
+00:01:53,392 --> 00:01:53,632
+is
+
+335
+00:01:53,632 --> 00:01:53,732
+what
+
+336
+00:01:53,732 --> 00:01:53,772
+I
+
+337
+00:01:53,772 --> 00:01:53,912
+think
+
+338
+00:01:53,912 --> 00:01:54,152
+is
+
+339
+00:01:54,152 --> 00:01:54,372
+super
+
+340
+00:01:54,372 --> 00:01:54,752
+interesting.
+
+341
+00:01:55,012 --> 00:01:55,232
+Right
+
+342
+00:01:55,232 --> 00:01:55,432
+off
+
+343
+00:01:55,432 --> 00:01:55,612
+the
+
+344
+00:01:55,612 --> 00:01:55,732
+bat.
+
+345
+00:01:55,792 --> 00:01:56,032
+ Yeah,
+
+346
+00:01:56,172 --> 00:01:56,212
+come
+
+347
+00:01:56,212 --> 00:01:56,292
+in.
+
+348
+00:01:56,312 --> 00:01:56,412
+ You
+
+349
+00:01:56,412 --> 00:01:56,612
+got
+
+350
+00:01:56,612 --> 00:01:57,112
+NMB,
+
+351
+00:01:57,612 --> 00:01:57,612
+right?
+
+352
+00:01:58,532 --> 00:01:58,992
+Older,
+
+353
+00:01:59,092 --> 00:01:59,352
+a
+
+354
+00:01:59,352 --> 00:01:59,412
+little
+
+355
+00:01:59,412 --> 00:01:59,592
+bit
+
+356
+00:01:59,592 --> 00:01:59,852
+bigger
+
+357
+00:01:59,852 --> 00:02:00,032
+in
+
+358
+00:02:00,032 --> 00:02:00,172
+terms
+
+359
+00:02:00,172 --> 00:02:00,412
+of
+
+360
+00:02:00,412 --> 00:02:00,572
+market
+
+361
+00:02:00,572 --> 00:02:00,912
+cap.
+
+362
+00:02:01,152 --> 00:02:01,572
+Right.
+
+363
+00:02:01,671 --> 00:02:01,891
+But
+
+364
+00:02:01,891 --> 00:02:02,292
+their
+
+365
+00:02:02,292 --> 00:02:02,531
+share
+
+366
+00:02:02,531 --> 00:02:02,912
+price
+
+367
+00:02:02,912 --> 00:02:03,371
+is
+
+368
+00:02:03,371 --> 00:02:03,692
+way
+
+369
+00:02:03,692 --> 00:02:04,152
+higher.
+
+370
+00:02:04,311 --> 00:02:04,632
+Interesting,
+
+371
+00:02:04,871 --> 00:02:05,111
+yeah.
+
+372
+00:02:05,152 --> 00:02:05,371
+Which
+
+373
+00:02:05,371 --> 00:02:05,552
+says
+
+374
+00:02:05,552 --> 00:02:05,772
+to
+
+375
+00:02:05,772 --> 00:02:06,072
+me.
+
+376
+00:02:06,091 --> 00:02:06,352
+Different
+
+377
+00:02:06,352 --> 00:02:06,792
+strategies.
+
+378
+00:02:07,132 --> 00:02:07,412
+Yeah.
+
+379
+00:02:07,552 --> 00:02:07,751
+Different
+
+380
+00:02:07,751 --> 00:02:08,032
+ways
+
+381
+00:02:08,032 --> 00:02:08,792
+of
+
+382
+00:02:08,792 --> 00:02:09,012
+going
+
+383
+00:02:09,012 --> 00:02:09,352
+about
+
+384
+00:02:09,352 --> 00:02:09,611
+it.
+
+385
+00:02:09,711 --> 00:02:09,872
+It's
+
+386
+00:02:09,872 --> 00:02:09,951
+like,
+
+387
+00:02:10,012 --> 00:02:10,092
+what
+
+388
+00:02:10,092 --> 00:02:10,252
+kind
+
+389
+00:02:10,252 --> 00:02:10,352
+of
+
+390
+00:02:10,352 --> 00:02:10,711
+investor
+
+391
+00:02:10,711 --> 00:02:10,891
+are
+
+392
+00:02:10,891 --> 00:02:10,951
+they
+
+393
+00:02:10,951 --> 00:02:11,151
+going
+
+394
+00:02:11,151 --> 00:02:11,391
+after?
+
+395
+00:02:11,512 --> 00:02:11,972
+Exactly.
+
+396
+00:02:12,252 --> 00:02:12,491
+Yeah.
+
+397
+00:02:12,572 --> 00:02:12,611
+And
+
+398
+00:02:12,611 --> 00:02:13,252
+that's,
+
+399
+00:02:13,252 --> 00:02:13,711
+that's
+
+400
+00:02:13,711 --> 00:02:13,812
+the
+
+401
+00:02:13,812 --> 00:02:14,092
+question
+
+402
+00:02:14,092 --> 00:02:14,352
+for
+
+403
+00:02:14,352 --> 00:02:14,592
+you.
+
+404
+00:02:14,611 --> 00:02:14,812
+Yeah.
+
+405
+00:02:14,991 --> 00:02:15,252
+Like,
+
+406
+00:02:15,431 --> 00:02:15,572
+who
+
+407
+00:02:15,572 --> 00:02:15,912
+are
+
+408
+00:02:15,912 --> 00:02:16,292
+you?
+
+409
+00:02:16,292 --> 00:02:16,491
+Right.
+
+410
+00:02:16,632 --> 00:02:16,852
+As
+
+411
+00:02:16,852 --> 00:02:16,951
+an
+
+412
+00:02:16,951 --> 00:02:17,252
+investor.
+
+413
+00:02:18,035 --> 00:02:18,435
+Right,
+
+414
+00:02:18,515 --> 00:02:18,675
+right.
+
+415
+00:02:18,935 --> 00:02:18,935
+Are
+
+416
+00:02:18,935 --> 00:02:19,015
+you
+
+417
+00:02:19,015 --> 00:02:19,215
+the
+
+418
+00:02:19,215 --> 00:02:19,335
+kind
+
+419
+00:02:19,335 --> 00:02:19,495
+of
+
+420
+00:02:19,495 --> 00:02:19,795
+investor
+
+421
+00:02:19,795 --> 00:02:20,475
+who
+
+422
+00:02:20,475 --> 00:02:20,595
+is,
+
+423
+00:02:20,595 --> 00:02:20,715
+you
+
+424
+00:02:20,715 --> 00:02:21,415
+know,
+
+425
+00:02:21,535 --> 00:02:21,715
+wants
+
+426
+00:02:21,715 --> 00:02:21,895
+to
+
+427
+00:02:21,895 --> 00:02:22,055
+park
+
+428
+00:02:22,055 --> 00:02:22,255
+their
+
+429
+00:02:22,255 --> 00:02:22,515
+money
+
+430
+00:02:22,515 --> 00:02:22,855
+somewhere
+
+431
+00:02:22,855 --> 00:02:23,075
+and
+
+432
+00:02:23,075 --> 00:02:23,235
+just
+
+433
+00:02:23,235 --> 00:02:23,355
+see
+
+434
+00:02:23,355 --> 00:02:23,835
+it
+
+435
+00:02:23,835 --> 00:02:23,835
+like
+
+436
+00:02:23,835 --> 00:02:24,355
+slowly
+
+437
+00:02:24,355 --> 00:02:24,895
+steadily
+
+438
+00:02:24,895 --> 00:02:25,395
+grow.
+
+439
+00:02:25,815 --> 00:02:25,815
+Yeah.
+
+440
+00:02:26,235 --> 00:02:26,295
+You're
+
+441
+00:02:26,295 --> 00:02:26,415
+not
+
+442
+00:02:26,415 --> 00:02:26,635
+in
+
+443
+00:02:26,635 --> 00:02:26,835
+it
+
+444
+00:02:26,835 --> 00:02:27,035
+for
+
+445
+00:02:27,035 --> 00:02:27,295
+like
+
+446
+00:02:27,295 --> 00:02:27,835
+the
+
+447
+00:02:27,835 --> 00:02:27,855
+the
+
+448
+00:02:27,855 --> 00:02:28,115
+quick,
+
+449
+00:02:28,235 --> 00:02:28,335
+the
+
+450
+00:02:28,335 --> 00:02:28,515
+quick
+
+451
+00:02:28,515 --> 00:02:28,995
+jackpot
+
+452
+00:02:28,995 --> 00:02:29,475
+or
+
+453
+00:02:29,475 --> 00:02:29,915
+are
+
+454
+00:02:29,915 --> 00:02:30,075
+you
+
+455
+00:02:30,075 --> 00:02:30,415
+someone
+
+456
+00:02:30,415 --> 00:02:30,975
+who's
+
+457
+00:02:30,975 --> 00:02:31,575
+like,
+
+458
+00:02:32,235 --> 00:02:32,235
+I
+
+459
+00:02:32,235 --> 00:02:32,415
+want
+
+460
+00:02:32,415 --> 00:02:32,635
+high
+
+461
+00:02:32,635 --> 00:02:33,055
+growth.
+
+462
+00:02:33,495 --> 00:02:33,595
+Yeah.
+
+463
+00:02:33,815 --> 00:02:33,955
+I'm
+
+464
+00:02:33,955 --> 00:02:34,135
+willing
+
+465
+00:02:34,135 --> 00:02:34,715
+to
+
+466
+00:02:34,715 --> 00:02:35,055
+take
+
+467
+00:02:35,055 --> 00:02:35,215
+a
+
+468
+00:02:35,215 --> 00:02:35,375
+little
+
+469
+00:02:35,375 --> 00:02:35,695
+more
+
+470
+00:02:35,695 --> 00:02:36,015
+risk.
+
+471
+00:02:36,831 --> 00:02:37,151
+To
+
+472
+00:02:37,151 --> 00:02:37,611
+see,
+
+473
+00:02:37,611 --> 00:02:37,611
+you
+
+474
+00:02:37,611 --> 00:02:37,771
+know,
+
+475
+00:02:37,912 --> 00:02:38,211
+potentially
+
+476
+00:02:38,211 --> 00:02:38,632
+bigger
+
+477
+00:02:38,632 --> 00:02:39,072
+returns.
+
+478
+00:02:39,831 --> 00:02:40,012
+And
+
+479
+00:02:40,012 --> 00:02:40,271
+this
+
+480
+00:02:40,271 --> 00:02:40,572
+is
+
+481
+00:02:40,572 --> 00:02:40,971
+where,
+
+482
+00:02:40,991 --> 00:02:41,091
+you
+
+483
+00:02:41,091 --> 00:02:41,572
+know,
+
+484
+00:02:41,951 --> 00:02:42,111
+really
+
+485
+00:02:42,111 --> 00:02:42,431
+digging
+
+486
+00:02:42,431 --> 00:02:42,611
+into
+
+487
+00:02:42,611 --> 00:02:42,831
+the
+
+488
+00:02:42,831 --> 00:02:43,491
+financials
+
+489
+00:02:43,491 --> 00:02:43,572
+is
+
+490
+00:02:43,572 --> 00:02:43,751
+going
+
+491
+00:02:43,751 --> 00:02:43,792
+to
+
+492
+00:02:43,792 --> 00:02:44,111
+help
+
+493
+00:02:44,111 --> 00:02:44,412
+you
+
+494
+00:02:44,412 --> 00:02:44,651
+figure
+
+495
+00:02:44,651 --> 00:02:44,931
+that
+
+496
+00:02:44,931 --> 00:02:45,072
+out
+
+497
+00:02:45,072 --> 00:02:45,292
+because
+
+498
+00:02:45,292 --> 00:02:45,731
+it
+
+499
+00:02:45,731 --> 00:02:45,871
+can,
+
+500
+00:02:45,871 --> 00:02:45,871
+it
+
+501
+00:02:45,871 --> 00:02:45,991
+can
+
+502
+00:02:45,991 --> 00:02:46,171
+give
+
+503
+00:02:46,171 --> 00:02:46,491
+you
+
+504
+00:02:46,491 --> 00:02:46,891
+a
+
+505
+00:02:46,891 --> 00:02:47,091
+sense
+
+506
+00:02:47,091 --> 00:02:47,271
+of
+
+507
+00:02:47,271 --> 00:02:47,471
+that.
+
+508
+00:02:47,572 --> 00:02:47,792
+Okay.
+
+509
+00:02:47,811 --> 00:02:47,931
+So
+
+510
+00:02:47,931 --> 00:02:48,591
+let's,
+
+511
+00:02:48,591 --> 00:02:48,731
+let's
+
+512
+00:02:48,731 --> 00:02:48,931
+pop
+
+513
+00:02:48,931 --> 00:02:49,091
+the
+
+514
+00:02:49,091 --> 00:02:49,211
+hood
+
+515
+00:02:49,211 --> 00:02:49,371
+on
+
+516
+00:02:49,371 --> 00:02:49,512
+these
+
+517
+00:02:49,512 --> 00:02:49,572
+things.
+
+518
+00:02:49,572 --> 00:02:49,731
+Yeah.
+
+519
+00:02:49,852 --> 00:02:49,912
+See
+
+520
+00:02:49,912 --> 00:02:49,971
+what
+
+521
+00:02:49,971 --> 00:02:50,031
+we
+
+522
+00:02:50,031 --> 00:02:50,311
+got.
+
+523
+00:02:50,391 --> 00:02:50,531
+See
+
+524
+00:02:50,531 --> 00:02:50,611
+what
+
+525
+00:02:50,611 --> 00:02:50,671
+we
+
+526
+00:02:50,671 --> 00:02:50,692
+got.
+
+527
+00:02:50,692 --> 00:02:50,692
+See
+
+528
+00:02:50,692 --> 00:02:50,692
+what
+
+529
+00:02:50,692 --> 00:02:50,692
+we
+
+530
+00:02:50,692 --> 00:02:50,912
+got.
+
+531
+00:02:50,912 --> 00:02:50,912
+See
+
+532
+00:02:50,912 --> 00:02:50,912
+what
+
+533
+00:02:50,912 --> 00:02:50,912
+we
+
+534
+00:02:50,912 --> 00:02:50,971
+got.
+
+535
+00:02:51,211 --> 00:02:51,371
+See
+
+536
+00:02:51,371 --> 00:02:51,371
+what
+
+537
+00:02:51,371 --> 00:02:51,371
+we
+
+538
+00:02:51,371 --> 00:02:51,371
+got.
+
+539
+00:02:51,471 --> 00:02:51,852
+Let's
+
+540
+00:02:51,852 --> 00:02:51,991
+start
+
+541
+00:02:51,991 --> 00:02:52,231
+with
+
+542
+00:02:52,231 --> 00:02:52,651
+revenue.
+
+543
+00:02:53,271 --> 00:02:53,572
+Okay.
+
+544
+00:02:54,091 --> 00:02:54,231
+And
+
+545
+00:02:54,231 --> 00:02:54,491
+MB
+
+546
+00:02:54,491 --> 00:02:54,852
+bank
+
+547
+00:02:54,852 --> 00:02:55,171
+comes
+
+548
+00:02:55,171 --> 00:02:55,352
+in
+
+549
+00:02:55,352 --> 00:02:56,031
+just
+
+550
+00:02:56,031 --> 00:02:56,391
+a
+
+551
+00:02:56,391 --> 00:02:57,051
+higher
+
+552
+00:02:57,051 --> 00:02:57,792
+than
+
+553
+00:02:57,792 --> 00:02:58,451
+CRDB.
+
+554
+00:02:58,632 --> 00:02:58,911
+Okay.
+
+555
+00:02:59,132 --> 00:02:59,331
+We're
+
+556
+00:02:59,331 --> 00:02:59,792
+talking
+
+557
+00:02:59,792 --> 00:03:01,252
+TSH
+
+558
+00:03:01,252 --> 00:03:01,632
+1
+
+559
+00:03:01,632 --> 00:03:02,252
+.44
+
+560
+00:03:02,252 --> 00:03:02,971
+trillion
+
+561
+00:03:02,971 --> 00:03:04,211
+versus
+
+562
+00:03:04,211 --> 00:03:04,831
+TSH
+
+563
+00:03:04,831 --> 00:03:05,211
+1
+
+564
+00:03:05,211 --> 00:03:05,831
+.42
+
+565
+00:03:05,831 --> 00:03:06,331
+trillion.
+
+566
+00:03:06,331 --> 00:03:06,572
+Yep.
+
+567
+00:03:06,783 --> 00:03:07,063
+It's
+
+568
+00:03:07,063 --> 00:03:07,403
+close.
+
+569
+00:03:07,563 --> 00:03:07,584
+So
+
+570
+00:03:07,584 --> 00:03:07,763
+neck
+
+571
+00:03:07,763 --> 00:03:07,923
+and
+
+572
+00:03:07,923 --> 00:03:08,063
+neck
+
+573
+00:03:08,063 --> 00:03:08,263
+pretty
+
+574
+00:03:08,263 --> 00:03:08,483
+much.
+
+575
+00:03:08,503 --> 00:03:08,743
+Yeah
+
+576
+00:03:08,743 --> 00:03:08,983
+revenue
+
+577
+00:03:08,983 --> 00:03:09,203
+is
+
+578
+00:03:09,203 --> 00:03:09,524
+close,
+
+579
+00:03:09,723 --> 00:03:09,823
+but
+
+580
+00:03:09,823 --> 00:03:09,923
+it's
+
+581
+00:03:09,923 --> 00:03:09,963
+the
+
+582
+00:03:09,963 --> 00:03:10,043
+only
+
+583
+00:03:10,043 --> 00:03:10,263
+part
+
+584
+00:03:10,263 --> 00:03:10,343
+of
+
+585
+00:03:10,343 --> 00:03:10,463
+the
+
+586
+00:03:10,463 --> 00:03:10,864
+picture.
+
+587
+00:03:11,223 --> 00:03:11,304
+Right.
+
+588
+00:03:11,423 --> 00:03:11,563
+You
+
+589
+00:03:11,563 --> 00:03:11,623
+know,
+
+590
+00:03:11,683 --> 00:03:11,763
+the
+
+591
+00:03:11,763 --> 00:03:11,943
+real
+
+592
+00:03:11,943 --> 00:03:12,223
+question
+
+593
+00:03:12,223 --> 00:03:12,804
+is
+
+594
+00:03:12,804 --> 00:03:13,683
+how
+
+595
+00:03:13,683 --> 00:03:13,903
+much
+
+596
+00:03:13,903 --> 00:03:14,003
+of
+
+597
+00:03:14,003 --> 00:03:14,203
+that
+
+598
+00:03:14,203 --> 00:03:14,343
+are
+
+599
+00:03:14,343 --> 00:03:14,483
+they
+
+600
+00:03:14,483 --> 00:03:14,663
+actually
+
+601
+00:03:14,663 --> 00:03:14,864
+holding
+
+602
+00:03:14,864 --> 00:03:15,123
+on
+
+603
+00:03:15,123 --> 00:03:15,364
+to?
+
+604
+00:03:15,443 --> 00:03:15,623
+Right.
+
+605
+00:03:15,763 --> 00:03:16,003
+How
+
+606
+00:03:16,003 --> 00:03:16,383
+much
+
+607
+00:03:16,383 --> 00:03:16,623
+is
+
+608
+00:03:16,623 --> 00:03:17,003
+trickling
+
+609
+00:03:17,003 --> 00:03:17,263
+down
+
+610
+00:03:17,263 --> 00:03:17,503
+into
+
+611
+00:03:17,503 --> 00:03:17,864
+actual
+
+612
+00:03:17,864 --> 00:03:18,423
+profit?
+
+613
+00:03:18,503 --> 00:03:18,783
+Right.
+
+614
+00:03:18,883 --> 00:03:19,003
+Because
+
+615
+00:03:19,003 --> 00:03:19,123
+a
+
+616
+00:03:19,123 --> 00:03:19,364
+company
+
+617
+00:03:19,364 --> 00:03:20,144
+can
+
+618
+00:03:20,144 --> 00:03:20,343
+can
+
+619
+00:03:20,343 --> 00:03:20,563
+make
+
+620
+00:03:20,563 --> 00:03:20,703
+a
+
+621
+00:03:20,703 --> 00:03:20,804
+lot
+
+622
+00:03:20,804 --> 00:03:20,864
+of
+
+623
+00:03:20,864 --> 00:03:21,084
+money.
+
+624
+00:03:21,243 --> 00:03:21,343
+But
+
+625
+00:03:21,343 --> 00:03:21,403
+if
+
+626
+00:03:21,403 --> 00:03:21,584
+they're
+
+627
+00:03:21,584 --> 00:03:21,843
+spending
+
+628
+00:03:21,843 --> 00:03:22,103
+at
+
+629
+00:03:22,103 --> 00:03:22,263
+all.
+
+630
+00:03:22,283 --> 00:03:22,503
+Right.
+
+631
+00:03:22,503 --> 00:03:22,603
+If
+
+632
+00:03:22,603 --> 00:03:22,783
+they're
+
+633
+00:03:22,783 --> 00:03:23,003
+imaging
+
+634
+00:03:23,003 --> 00:03:23,343
+money.
+
+635
+00:03:23,403 --> 00:03:23,503
+It
+
+636
+00:03:23,503 --> 00:03:23,723
+doesn't
+
+637
+00:03:23,723 --> 00:03:23,863
+do
+
+638
+00:03:23,863 --> 00:03:24,003
+us
+
+639
+00:03:24,003 --> 00:03:24,183
+a
+
+640
+00:03:24,183 --> 00:03:24,283
+lot
+
+641
+00:03:24,283 --> 00:03:24,423
+of
+
+642
+00:03:24,423 --> 00:03:24,623
+good.
+
+643
+00:03:25,183 --> 00:03:25,183
+Exactly.
+
+644
+00:03:25,463 --> 00:03:25,584
+Exactly.
+
+645
+00:03:25,723 --> 00:03:25,943
+Okay.
+
+646
+00:03:25,943 --> 00:03:26,103
+So
+
+647
+00:03:26,103 --> 00:03:26,283
+let's
+
+648
+00:03:26,283 --> 00:03:26,483
+look
+
+649
+00:03:26,483 --> 00:03:26,603
+at
+
+650
+00:03:26,603 --> 00:03:26,883
+that
+
+651
+00:03:26,883 --> 00:03:27,363
+profitability
+
+652
+00:03:27,363 --> 00:03:27,963
+then.
+
+653
+00:03:28,024 --> 00:03:28,204
+Let's
+
+654
+00:03:28,204 --> 00:03:28,363
+do
+
+655
+00:03:28,363 --> 00:03:28,563
+it.
+
+656
+00:03:28,563 --> 00:03:28,743
+This
+
+657
+00:03:28,743 --> 00:03:28,903
+is
+
+658
+00:03:28,903 --> 00:03:28,983
+where
+
+659
+00:03:28,983 --> 00:03:29,163
+we
+
+660
+00:03:29,163 --> 00:03:29,304
+see
+
+661
+00:03:29,304 --> 00:03:29,543
+how
+
+662
+00:03:29,543 --> 00:03:29,923
+efficiently
+
+663
+00:03:29,923 --> 00:03:30,363
+they're
+
+664
+00:03:30,363 --> 00:03:30,704
+actually
+
+665
+00:03:30,704 --> 00:03:30,983
+running.
+
+666
+00:03:31,123 --> 00:03:31,363
+Right.
+
+667
+00:03:31,663 --> 00:03:31,743
+Yeah.
+
+668
+00:03:32,183 --> 00:03:32,263
+Are
+
+669
+00:03:32,263 --> 00:03:32,503
+they
+
+670
+00:03:32,503 --> 00:03:32,923
+managing
+
+671
+00:03:32,923 --> 00:03:33,323
+their
+
+672
+00:03:33,323 --> 00:03:33,603
+costs
+
+673
+00:03:33,603 --> 00:03:33,963
+well?
+
+674
+00:03:34,003 --> 00:03:34,363
+Right.
+
+675
+00:03:34,563 --> 00:03:34,704
+That
+
+676
+00:03:34,704 --> 00:03:34,823
+kind
+
+677
+00:03:34,823 --> 00:03:34,963
+of
+
+678
+00:03:34,963 --> 00:03:35,084
+thing.
+
+679
+00:03:35,408 --> 00:03:35,888
+So
+
+680
+00:03:35,888 --> 00:03:35,988
+N
+
+681
+00:03:35,988 --> 00:03:36,248
+&B
+
+682
+00:03:36,248 --> 00:03:36,548
+bank,
+
+683
+00:03:36,628 --> 00:03:36,828
+they're
+
+684
+00:03:36,828 --> 00:03:37,288
+reporting
+
+685
+00:03:37,288 --> 00:03:38,128
+Tsh
+
+686
+00:03:38,128 --> 00:03:39,268
+596
+
+687
+00:03:39,268 --> 00:03:40,248
+.97
+
+688
+00:03:40,248 --> 00:03:40,908
+billion
+
+689
+00:03:40,908 --> 00:03:41,108
+in
+
+690
+00:03:41,108 --> 00:03:41,608
+earnings.
+
+691
+00:03:41,728 --> 00:03:42,028
+Okay.
+
+692
+00:03:42,408 --> 00:03:42,608
+With
+
+693
+00:03:42,608 --> 00:03:42,868
+a
+
+694
+00:03:42,868 --> 00:03:43,108
+net
+
+695
+00:03:43,108 --> 00:03:43,468
+profit
+
+696
+00:03:43,468 --> 00:03:43,808
+margin
+
+697
+00:03:43,808 --> 00:03:44,128
+of
+
+698
+00:03:44,128 --> 00:03:44,408
+41
+
+699
+00:03:44,408 --> 00:03:45,268
+.59
+
+700
+00:03:45,268 --> 00:03:46,048
+percent.
+
+701
+00:03:47,028 --> 00:03:47,668
+CRDB,
+
+702
+00:03:48,448 --> 00:03:48,488
+they're
+
+703
+00:03:48,488 --> 00:03:48,748
+coming
+
+704
+00:03:48,748 --> 00:03:49,068
+in
+
+705
+00:03:49,068 --> 00:03:49,528
+with
+
+706
+00:03:49,528 --> 00:03:49,968
+Tsh
+
+707
+00:03:49,968 --> 00:03:50,968
+519
+
+708
+00:03:50,968 --> 00:03:51,868
+.69
+
+709
+00:03:51,868 --> 00:03:52,408
+billion
+
+710
+00:03:52,408 --> 00:03:52,628
+in
+
+711
+00:03:52,628 --> 00:03:53,108
+earnings.
+
+712
+00:03:53,208 --> 00:03:53,388
+Yeah.
+
+713
+00:03:53,528 --> 00:03:53,728
+And
+
+714
+00:03:53,728 --> 00:03:53,948
+a
+
+715
+00:03:53,948 --> 00:03:54,328
+36
+
+716
+00:03:54,328 --> 00:03:55,248
+.53
+
+717
+00:03:55,248 --> 00:03:55,888
+percent
+
+718
+00:03:55,888 --> 00:03:56,308
+profit
+
+719
+00:03:56,308 --> 00:03:56,688
+margin.
+
+720
+00:03:56,908 --> 00:03:57,128
+Okay.
+
+721
+00:03:57,588 --> 00:03:57,728
+So
+
+722
+00:03:57,728 --> 00:03:57,848
+N
+
+723
+00:03:57,848 --> 00:03:58,428
+&B...
+
+724
+00:03:58,428 --> 00:03:58,648
+Then
+
+725
+00:03:58,648 --> 00:03:58,908
+N
+
+726
+00:03:58,908 --> 00:03:59,068
+&B
+
+727
+00:03:59,068 --> 00:03:59,268
+looks
+
+728
+00:03:59,268 --> 00:03:59,468
+like
+
+729
+00:03:59,468 --> 00:03:59,548
+they're
+
+730
+00:03:59,548 --> 00:03:59,748
+doing
+
+731
+00:03:59,748 --> 00:04:00,228
+a
+
+732
+00:04:00,228 --> 00:04:00,428
+better
+
+733
+00:04:00,428 --> 00:04:00,888
+job
+
+734
+00:04:00,888 --> 00:04:01,348
+of
+
+735
+00:04:01,348 --> 00:04:01,888
+squeezing
+
+736
+00:04:01,888 --> 00:04:02,788
+profit
+
+737
+00:04:02,788 --> 00:04:03,068
+out
+
+738
+00:04:03,068 --> 00:04:03,208
+of
+
+739
+00:04:03,208 --> 00:04:03,648
+every
+
+740
+00:04:03,648 --> 00:04:04,208
+shilling
+
+741
+00:04:04,208 --> 00:04:04,408
+they
+
+742
+00:04:04,408 --> 00:04:04,608
+bring
+
+743
+00:04:04,608 --> 00:04:04,928
+in.
+
+744
+00:04:04,992 --> 00:04:05,372
+Right,
+
+745
+00:04:05,572 --> 00:04:05,712
+yeah,
+
+746
+00:04:05,832 --> 00:04:06,172
+they're
+
+747
+00:04:06,172 --> 00:04:06,472
+making
+
+748
+00:04:06,472 --> 00:04:06,892
+more
+
+749
+00:04:06,892 --> 00:04:07,092
+from
+
+750
+00:04:07,092 --> 00:04:07,332
+what
+
+751
+00:04:07,332 --> 00:04:07,492
+they
+
+752
+00:04:07,492 --> 00:04:07,672
+what
+
+753
+00:04:07,672 --> 00:04:07,732
+they're
+
+754
+00:04:07,732 --> 00:04:08,012
+bringing
+
+755
+00:04:08,012 --> 00:04:08,212
+in,
+
+756
+00:04:08,412 --> 00:04:08,652
+which
+
+757
+00:04:08,652 --> 00:04:08,872
+is
+
+758
+00:04:08,872 --> 00:04:08,952
+a
+
+759
+00:04:08,952 --> 00:04:09,132
+good
+
+760
+00:04:09,132 --> 00:04:09,352
+sign
+
+761
+00:04:09,352 --> 00:04:09,492
+for
+
+762
+00:04:09,492 --> 00:04:09,852
+investors,
+
+763
+00:04:10,312 --> 00:04:10,372
+right?
+
+764
+00:04:10,692 --> 00:04:10,712
+It
+
+765
+00:04:10,712 --> 00:04:11,092
+is,
+
+766
+00:04:11,352 --> 00:04:11,472
+yeah.
+
+767
+00:04:11,812 --> 00:04:11,912
+But
+
+768
+00:04:11,912 --> 00:04:12,092
+again,
+
+769
+00:04:12,392 --> 00:04:12,732
+it's
+
+770
+00:04:12,732 --> 00:04:12,912
+not
+
+771
+00:04:12,912 --> 00:04:13,252
+just
+
+772
+00:04:13,252 --> 00:04:13,752
+about
+
+773
+00:04:13,752 --> 00:04:14,252
+the
+
+774
+00:04:14,252 --> 00:04:14,452
+what,
+
+775
+00:04:14,712 --> 00:04:14,852
+it's
+
+776
+00:04:14,852 --> 00:04:15,112
+about
+
+777
+00:04:15,112 --> 00:04:15,712
+the
+
+778
+00:04:15,712 --> 00:04:16,152
+why.
+
+779
+00:04:16,752 --> 00:04:16,831
+Right.
+
+780
+00:04:16,831 --> 00:04:17,052
+Okay,
+
+781
+00:04:17,172 --> 00:04:17,312
+right.
+
+782
+00:04:17,492 --> 00:04:17,652
+So
+
+783
+00:04:17,652 --> 00:04:17,852
+we
+
+784
+00:04:17,852 --> 00:04:18,032
+see
+
+785
+00:04:18,032 --> 00:04:18,192
+that
+
+786
+00:04:18,192 --> 00:04:18,372
+they're
+
+787
+00:04:18,372 --> 00:04:18,692
+profitable.
+
+788
+00:04:18,972 --> 00:04:19,212
+Right.
+
+789
+00:04:19,375 --> 00:04:19,695
+But
+
+790
+00:04:19,695 --> 00:04:19,935
+why
+
+791
+00:04:19,935 --> 00:04:20,115
+are
+
+792
+00:04:20,115 --> 00:04:20,295
+they
+
+793
+00:04:20,295 --> 00:04:20,695
+profitable?
+
+794
+00:04:21,135 --> 00:04:21,135
+Yeah.
+
+795
+00:04:21,375 --> 00:04:21,596
+Like
+
+796
+00:04:21,596 --> 00:04:21,875
+what
+
+797
+00:04:21,875 --> 00:04:22,015
+do
+
+798
+00:04:22,015 --> 00:04:22,235
+they
+
+799
+00:04:22,235 --> 00:04:22,555
+do
+
+800
+00:04:22,555 --> 00:04:22,755
+it?
+
+801
+00:04:23,055 --> 00:04:23,055
+Yeah.
+
+802
+00:04:23,235 --> 00:04:23,395
+Wait,
+
+803
+00:04:23,555 --> 00:04:23,795
+what's
+
+804
+00:04:23,795 --> 00:04:23,895
+what's
+
+805
+00:04:23,895 --> 00:04:24,015
+the
+
+806
+00:04:24,015 --> 00:04:24,315
+secret
+
+807
+00:04:24,315 --> 00:04:24,675
+saw?
+
+808
+00:04:24,795 --> 00:04:25,315
+Exactly.
+
+809
+00:04:25,555 --> 00:04:25,615
+Is
+
+810
+00:04:25,615 --> 00:04:25,875
+it,
+
+811
+00:04:25,975 --> 00:04:25,975
+you
+
+812
+00:04:25,975 --> 00:04:26,275
+know,
+
+813
+00:04:26,475 --> 00:04:26,555
+are
+
+814
+00:04:26,555 --> 00:04:26,655
+they
+
+815
+00:04:26,655 --> 00:04:26,935
+just
+
+816
+00:04:26,935 --> 00:04:27,175
+really
+
+817
+00:04:27,175 --> 00:04:27,435
+good
+
+818
+00:04:27,435 --> 00:04:27,635
+at
+
+819
+00:04:27,635 --> 00:04:27,915
+managing
+
+820
+00:04:27,915 --> 00:04:28,355
+their
+
+821
+00:04:28,355 --> 00:04:28,675
+internal
+
+822
+00:04:28,675 --> 00:04:29,195
+costs?
+
+823
+00:04:29,315 --> 00:04:29,675
+Okay.
+
+824
+00:04:29,855 --> 00:04:30,175
+Are
+
+825
+00:04:30,175 --> 00:04:30,335
+the
+
+826
+00:04:30,335 --> 00:04:30,655
+loans
+
+827
+00:04:30,655 --> 00:04:30,875
+they're
+
+828
+00:04:30,875 --> 00:04:31,115
+giving
+
+829
+00:04:31,115 --> 00:04:31,635
+out
+
+830
+00:04:31,635 --> 00:04:32,055
+performing
+
+831
+00:04:32,055 --> 00:04:32,455
+really
+
+832
+00:04:32,455 --> 00:04:32,735
+well?
+
+833
+00:04:32,735 --> 00:04:33,055
+Right.
+
+834
+00:04:33,135 --> 00:04:33,355
+Have
+
+835
+00:04:33,355 --> 00:04:33,915
+they,
+
+836
+00:04:33,915 --> 00:04:34,395
+you
+
+837
+00:04:34,395 --> 00:04:34,596
+know,
+
+838
+00:04:34,675 --> 00:04:34,955
+made
+
+839
+00:04:34,955 --> 00:04:35,375
+some
+
+840
+00:04:35,375 --> 00:04:35,875
+smart
+
+841
+00:04:35,875 --> 00:04:36,635
+investments
+
+842
+00:04:36,635 --> 00:04:38,235
+in
+
+843
+00:04:38,235 --> 00:04:38,735
+technology?
+
+844
+00:04:39,155 --> 00:04:39,155
+Yeah.
+
+845
+00:04:39,215 --> 00:04:39,735
+Streamline,
+
+846
+00:04:40,015 --> 00:04:40,015
+some
+
+847
+00:04:40,015 --> 00:04:40,295
+things.
+
+848
+00:04:40,455 --> 00:04:40,955
+Streamline,
+
+849
+00:04:41,175 --> 00:04:41,175
+some
+
+850
+00:04:41,175 --> 00:04:41,375
+things.
+
+851
+00:04:41,635 --> 00:04:41,635
+Yeah.
+
+852
+00:04:41,755 --> 00:04:41,915
+Made
+
+853
+00:04:41,915 --> 00:04:42,195
+themselves
+
+854
+00:04:42,195 --> 00:04:42,536
+more
+
+855
+00:04:42,536 --> 00:04:42,875
+efficient.
+
+856
+00:04:43,055 --> 00:04:43,315
+Right.
+
+857
+00:04:43,975 --> 00:04:43,975
+Right.
+
+858
+00:04:44,355 --> 00:04:44,555
+These
+
+859
+00:04:44,555 --> 00:04:44,735
+are
+
+860
+00:04:44,735 --> 00:04:44,735
+the
+
+861
+00:04:44,735 --> 00:04:45,135
+questions
+
+862
+00:04:45,135 --> 00:04:45,596
+that
+
+863
+00:04:45,632 --> 00:04:45,932
+that
+
+864
+00:04:45,932 --> 00:04:46,432
+you
+
+865
+00:04:46,432 --> 00:04:46,572
+want
+
+866
+00:04:46,572 --> 00:04:46,692
+to
+
+867
+00:04:46,692 --> 00:04:46,852
+be
+
+868
+00:04:46,852 --> 00:04:47,151
+asking.
+
+869
+00:04:47,692 --> 00:04:47,692
+Okay.
+
+870
+00:04:47,752 --> 00:04:47,872
+So
+
+871
+00:04:47,872 --> 00:04:48,211
+it's
+
+872
+00:04:48,211 --> 00:04:48,211
+like
+
+873
+00:04:48,211 --> 00:04:48,492
+it's
+
+874
+00:04:48,492 --> 00:04:48,672
+not
+
+875
+00:04:48,672 --> 00:04:48,891
+enough
+
+876
+00:04:48,891 --> 00:04:49,012
+to
+
+877
+00:04:49,012 --> 00:04:49,331
+just
+
+878
+00:04:49,331 --> 00:04:49,531
+see
+
+879
+00:04:49,531 --> 00:04:50,232
+the
+
+880
+00:04:50,232 --> 00:04:50,451
+the
+
+881
+00:04:50,451 --> 00:04:50,612
+end
+
+882
+00:04:50,612 --> 00:04:50,911
+result.
+
+883
+00:04:51,252 --> 00:04:51,352
+It's
+
+884
+00:04:51,352 --> 00:04:51,432
+got
+
+885
+00:04:51,432 --> 00:04:51,552
+to
+
+886
+00:04:51,552 --> 00:04:51,692
+be
+
+887
+00:04:51,692 --> 00:04:51,872
+like,
+
+888
+00:04:52,012 --> 00:04:52,012
+well,
+
+889
+00:04:52,012 --> 00:04:52,132
+how
+
+890
+00:04:52,132 --> 00:04:52,271
+did
+
+891
+00:04:52,271 --> 00:04:52,411
+you
+
+892
+00:04:52,411 --> 00:04:52,612
+get
+
+893
+00:04:52,612 --> 00:04:52,971
+there?
+
+894
+00:04:52,971 --> 00:04:53,372
+Exactly.
+
+895
+00:04:53,492 --> 00:04:53,732
+Okay.
+
+896
+00:04:53,732 --> 00:04:53,872
+That
+
+897
+00:04:53,872 --> 00:04:54,091
+makes
+
+898
+00:04:54,091 --> 00:04:54,312
+sense.
+
+899
+00:04:54,312 --> 00:04:54,451
+That
+
+900
+00:04:54,451 --> 00:04:54,612
+makes
+
+901
+00:04:54,612 --> 00:04:54,792
+sense.
+
+902
+00:04:54,792 --> 00:04:54,992
+Yeah.
+
+903
+00:04:55,591 --> 00:04:55,831
+All
+
+904
+00:04:55,831 --> 00:04:55,831
+right.
+
+905
+00:04:55,872 --> 00:04:56,072
+Well,
+
+906
+00:04:56,072 --> 00:04:56,411
+speaking
+
+907
+00:04:56,411 --> 00:04:56,891
+of
+
+908
+00:04:56,891 --> 00:04:57,391
+efficiency,
+
+909
+00:04:58,411 --> 00:04:58,672
+let's
+
+910
+00:04:58,672 --> 00:04:59,031
+talk
+
+911
+00:04:59,031 --> 00:05:00,091
+ROE.
+
+912
+00:05:00,132 --> 00:05:00,372
+Yeah.
+
+913
+00:05:00,632 --> 00:05:00,992
+Return
+
+914
+00:05:00,992 --> 00:05:01,292
+on
+
+915
+00:05:01,292 --> 00:05:01,732
+equity.
+
+916
+00:05:02,031 --> 00:05:02,232
+A
+
+917
+00:05:02,232 --> 00:05:02,451
+big
+
+918
+00:05:02,451 --> 00:05:02,692
+one.
+
+919
+00:05:02,891 --> 00:05:03,052
+It
+
+920
+00:05:03,052 --> 00:05:03,232
+is
+
+921
+00:05:03,232 --> 00:05:03,351
+a
+
+922
+00:05:03,351 --> 00:05:03,512
+big
+
+923
+00:05:03,512 --> 00:05:03,672
+one.
+
+924
+00:05:03,711 --> 00:05:03,992
+This
+
+925
+00:05:03,992 --> 00:05:04,172
+is,
+
+926
+00:05:04,172 --> 00:05:04,351
+this
+
+927
+00:05:04,351 --> 00:05:04,552
+is
+
+928
+00:05:04,552 --> 00:05:04,692
+a
+
+929
+00:05:04,692 --> 00:05:05,052
+favorite
+
+930
+00:05:05,052 --> 00:05:05,692
+for
+
+931
+00:05:05,692 --> 00:05:06,211
+investors.
+
+932
+00:05:06,471 --> 00:05:06,672
+For
+
+933
+00:05:06,672 --> 00:05:07,012
+investors.
+
+934
+00:05:07,072 --> 00:05:07,312
+Yeah,
+
+935
+00:05:07,312 --> 00:05:07,552
+because
+
+936
+00:05:07,552 --> 00:05:07,812
+this
+
+937
+00:05:07,812 --> 00:05:08,031
+tells
+
+938
+00:05:08,031 --> 00:05:08,372
+you
+
+939
+00:05:08,372 --> 00:05:08,792
+how
+
+940
+00:05:08,792 --> 00:05:09,031
+much
+
+941
+00:05:09,031 --> 00:05:09,391
+profit
+
+942
+00:05:09,391 --> 00:05:09,591
+are
+
+943
+00:05:09,591 --> 00:05:09,711
+you
+
+944
+00:05:09,711 --> 00:05:10,052
+actually
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+945
+00:05:10,052 --> 00:05:10,692
+getting
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+946
+00:05:10,692 --> 00:05:11,412
+for
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+947
+00:05:11,412 --> 00:05:11,711
+every
+
+948
+00:05:11,711 --> 00:05:12,151
+dollar
+
+949
+00:05:12,151 --> 00:05:12,591
+or
+
+950
+00:05:12,591 --> 00:05:12,792
+shilling
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+951
+00:05:12,792 --> 00:05:12,992
+in
+
+952
+00:05:12,992 --> 00:05:13,132
+this
+
+953
+00:05:13,132 --> 00:05:13,192
+case.
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+954
+00:05:13,192 --> 00:05:13,692
+Right.
+
+955
+00:05:13,992 --> 00:05:14,091
+Right.
+
+956
+00:05:14,091 --> 00:05:14,151
+If
+
+957
+00:05:14,151 --> 00:05:14,271
+you
+
+958
+00:05:14,271 --> 00:05:14,432
+put
+
+959
+00:05:14,432 --> 00:05:14,851
+in.
+
+960
+00:05:14,912 --> 00:05:15,112
+Yeah.
+
+961
+00:05:15,536 --> 00:05:16,196
+It's
+
+962
+00:05:16,196 --> 00:05:16,336
+like
+
+963
+00:05:16,336 --> 00:05:16,675
+how
+
+964
+00:05:16,675 --> 00:05:16,896
+how
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+965
+00:05:16,896 --> 00:05:17,055
+is
+
+966
+00:05:17,055 --> 00:05:17,256
+my
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+967
+00:05:17,256 --> 00:05:17,576
+money
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+968
+00:05:17,576 --> 00:05:17,896
+working
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+969
+00:05:17,896 --> 00:05:18,136
+for
+
+970
+00:05:18,136 --> 00:05:18,896
+me?
+
+971
+00:05:19,235 --> 00:05:19,555
+exactly.
+
+972
+00:05:19,995 --> 00:05:19,995
+Okay.
+
+973
+00:05:20,175 --> 00:05:20,336
+All
+
+974
+00:05:20,336 --> 00:05:20,396
+right.
+
+975
+00:05:20,516 --> 00:05:20,756
+So
+
+976
+00:05:20,756 --> 00:05:21,136
+NMB.
+
+977
+00:05:21,696 --> 00:05:21,696
+Yeah.
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+978
+00:05:21,696 --> 00:05:21,915
+They're
+
+979
+00:05:21,915 --> 00:05:22,276
+showing
+
+980
+00:05:22,276 --> 00:05:22,795
+26
+
+981
+00:05:22,795 --> 00:05:23,315
+.8
+
+982
+00:05:23,315 --> 00:05:24,175
+percent.
+
+983
+00:05:24,435 --> 00:05:24,555
+Okay.
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+984
+00:05:24,896 --> 00:05:25,276
+CRDB
+
+985
+00:05:25,276 --> 00:05:25,576
+a
+
+986
+00:05:25,576 --> 00:05:25,735
+little
+
+987
+00:05:25,735 --> 00:05:25,896
+bit
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+988
+00:05:25,896 --> 00:05:26,156
+lower.
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+989
+00:05:26,355 --> 00:05:26,716
+23
+
+990
+00:05:26,716 --> 00:05:27,276
+.8
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+991
+00:05:27,276 --> 00:05:27,696
+percent.
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+992
+00:05:27,896 --> 00:05:27,935
+All
+
+993
+00:05:27,935 --> 00:05:28,036
+right.
+
+994
+00:05:28,636 --> 00:05:28,896
+So
+
+995
+00:05:28,896 --> 00:05:29,036
+so
+
+996
+00:05:29,036 --> 00:05:29,396
+NMB
+
+997
+00:05:29,396 --> 00:05:29,896
+again.
+
+998
+00:05:29,956 --> 00:05:30,136
+Yeah.
+
+999
+00:05:30,235 --> 00:05:30,555
+They're
+
+1000
+00:05:30,555 --> 00:05:30,716
+they're
+
+1001
+00:05:30,716 --> 00:05:30,756
+looking
+
+1002
+00:05:30,756 --> 00:05:31,216
+good.
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+1003
+00:05:31,375 --> 00:05:31,516
+They're
+
+1004
+00:05:31,516 --> 00:05:31,696
+looking
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+1005
+00:05:31,696 --> 00:05:31,875
+good
+
+1006
+00:05:31,875 --> 00:05:31,975
+on
+
+1007
+00:05:31,975 --> 00:05:32,396
+paper.
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+1008
+00:05:32,495 --> 00:05:32,656
+Yeah.
+
+1009
+00:05:32,656 --> 00:05:32,855
+Which
+
+1010
+00:05:32,855 --> 00:05:32,975
+is
+
+1011
+00:05:32,975 --> 00:05:33,375
+interesting.
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+1012
+00:05:33,536 --> 00:05:33,855
+Because
+
+1013
+00:05:33,855 --> 00:05:34,016
+when
+
+1014
+00:05:34,016 --> 00:05:34,115
+we
+
+1015
+00:05:34,115 --> 00:05:34,276
+look
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+1016
+00:05:34,276 --> 00:05:34,495
+at
+
+1017
+00:05:34,495 --> 00:05:34,675
+share
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+1018
+00:05:34,675 --> 00:05:35,055
+price
+
+1019
+00:05:35,055 --> 00:05:35,675
+CRDB
+
+1020
+00:05:35,675 --> 00:05:35,935
+has
+
+1021
+00:05:35,935 --> 00:05:36,115
+been
+
+1022
+00:05:36,115 --> 00:05:36,276
+the
+
+1023
+00:05:36,276 --> 00:05:36,435
+one
+
+1024
+00:05:36,435 --> 00:05:36,716
+that's
+
+1025
+00:05:36,716 --> 00:05:36,956
+like
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+1026
+00:05:36,956 --> 00:05:37,755
+really
+
+1027
+00:05:37,755 --> 00:05:38,136
+kind
+
+1028
+00:05:38,136 --> 00:05:38,355
+of
+
+1029
+00:05:38,355 --> 00:05:38,975
+exploded
+
+1030
+00:05:38,975 --> 00:05:39,576
+recently.
+
+1031
+00:05:39,656 --> 00:05:39,836
+We'll
+
+1032
+00:05:39,836 --> 00:05:40,196
+volatile.
+
+1033
+00:05:40,576 --> 00:05:40,875
+Yeah.
+
+1034
+00:05:41,235 --> 00:05:41,415
+Yeah.
+
+1035
+00:05:41,536 --> 00:05:41,555
+Yeah.
+
+1036
+00:05:41,576 --> 00:05:41,656
+And
+
+1037
+00:05:41,656 --> 00:05:42,076
+plus
+
+1038
+00:05:42,076 --> 00:05:42,336
+plus
+
+1039
+00:05:42,336 --> 00:05:42,536
+they're
+
+1040
+00:05:42,536 --> 00:05:42,816
+offering
+
+1041
+00:05:42,816 --> 00:05:43,536
+a.
+
+1042
+00:05:43,567 --> 00:05:43,967
+Better
+
+1043
+00:05:43,967 --> 00:05:44,347
+dividend
+
+1044
+00:05:44,347 --> 00:05:44,827
+yield.
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+1045
+00:05:45,267 --> 00:05:45,267
+They
+
+1046
+00:05:45,267 --> 00:05:45,608
+are.
+
+1047
+00:05:45,668 --> 00:05:45,867
+Yeah.
+
+1048
+00:05:45,967 --> 00:05:46,147
+That's
+
+1049
+00:05:46,147 --> 00:05:46,347
+true.
+
+1050
+00:05:46,567 --> 00:05:46,827
+9
+
+1051
+00:05:46,827 --> 00:05:47,387
+percent.
+
+1052
+00:05:47,447 --> 00:05:47,548
+Yeah.
+
+1053
+00:05:47,587 --> 00:05:47,747
+9
+
+1054
+00:05:47,747 --> 00:05:48,067
+percent.
+
+1055
+00:05:48,168 --> 00:05:48,527
+Compared
+
+1056
+00:05:48,527 --> 00:05:48,907
+to
+
+1057
+00:05:48,907 --> 00:05:49,668
+NMB's.
+
+1058
+00:05:49,747 --> 00:05:49,767
+What
+
+1059
+00:05:49,767 --> 00:05:49,887
+was
+
+1060
+00:05:49,887 --> 00:05:49,987
+it
+
+1061
+00:05:49,987 --> 00:05:50,207
+like?
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+1062
+00:05:50,747 --> 00:05:50,747
+6
+
+1063
+00:05:50,747 --> 00:05:51,567
+.8.
+
+1064
+00:05:52,027 --> 00:05:52,027
+Yeah.
+
+1065
+00:05:52,147 --> 00:05:52,327
+6
+
+1066
+00:05:52,327 --> 00:05:52,827
+.8.
+
+1067
+00:05:53,507 --> 00:05:53,567
+Which
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+1068
+00:05:53,567 --> 00:05:53,807
+is
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+1069
+00:05:53,807 --> 00:05:54,127
+still
+
+1070
+00:05:54,127 --> 00:05:54,387
+nothing
+
+1071
+00:05:54,387 --> 00:05:54,587
+to
+
+1072
+00:05:54,587 --> 00:05:54,788
+sneeze
+
+1073
+00:05:54,788 --> 00:05:55,187
+at.
+
+1074
+00:05:55,247 --> 00:05:55,587
+No.
+
+1075
+00:05:55,847 --> 00:05:56,048
+Not
+
+1076
+00:05:56,048 --> 00:05:56,187
+at
+
+1077
+00:05:56,187 --> 00:05:56,327
+all.
+
+1078
+00:05:56,507 --> 00:05:56,767
+But,
+
+1079
+00:05:56,807 --> 00:05:56,867
+you
+
+1080
+00:05:56,867 --> 00:05:57,048
+know,
+
+1081
+00:05:57,187 --> 00:05:57,228
+I
+
+1082
+00:05:57,228 --> 00:05:57,407
+like
+
+1083
+00:05:57,407 --> 00:05:57,767
+a
+
+1084
+00:05:57,767 --> 00:05:58,027
+little
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+1085
+00:05:58,027 --> 00:05:58,367
+passive
+
+1086
+00:05:58,367 --> 00:05:58,887
+income.
+
+1087
+00:05:59,147 --> 00:05:59,267
+Of
+
+1088
+00:05:59,267 --> 00:05:59,527
+course.
+
+1089
+00:05:59,767 --> 00:05:59,927
+Who
+
+1090
+00:05:59,927 --> 00:06:00,307
+doesn't.
+
+1091
+00:06:00,567 --> 00:06:00,567
+Right.
+
+1092
+00:06:00,767 --> 00:06:01,067
+Right.
+
+1093
+00:06:01,067 --> 00:06:01,207
+That
+
+1094
+00:06:01,207 --> 00:06:01,447
+9
+
+1095
+00:06:01,447 --> 00:06:01,747
+percent
+
+1096
+00:06:01,747 --> 00:06:02,168
+is
+
+1097
+00:06:02,168 --> 00:06:02,548
+it's
+
+1098
+00:06:02,576 --> 00:06:03,076
+awfully
+
+1099
+00:06:03,076 --> 00:06:03,496
+tempting?
+
+1100
+00:06:03,736 --> 00:06:03,776
+It
+
+1101
+00:06:03,776 --> 00:06:03,975
+is
+
+1102
+00:06:03,975 --> 00:06:04,236
+tempting.
+
+1103
+00:06:04,475 --> 00:06:04,636
+And
+
+1104
+00:06:04,636 --> 00:06:04,816
+it
+
+1105
+00:06:04,816 --> 00:06:05,076
+might
+
+1106
+00:06:05,076 --> 00:06:05,256
+be
+
+1107
+00:06:05,256 --> 00:06:05,396
+the
+
+1108
+00:06:05,396 --> 00:06:05,576
+right
+
+1109
+00:06:05,576 --> 00:06:05,796
+move
+
+1110
+00:06:05,796 --> 00:06:05,975
+for
+
+1111
+00:06:05,975 --> 00:06:06,176
+some
+
+1112
+00:06:06,176 --> 00:06:06,556
+investors.
+
+1113
+00:06:07,296 --> 00:06:07,296
+Yeah.
+
+1114
+00:06:07,296 --> 00:06:07,636
+Especially
+
+1115
+00:06:07,636 --> 00:06:07,936
+if
+
+1116
+00:06:07,936 --> 00:06:08,076
+you're
+
+1117
+00:06:08,076 --> 00:06:08,216
+if
+
+1118
+00:06:08,216 --> 00:06:08,396
+you're
+
+1119
+00:06:08,396 --> 00:06:08,656
+really
+
+1120
+00:06:08,656 --> 00:06:08,956
+focused
+
+1121
+00:06:08,956 --> 00:06:09,156
+on
+
+1122
+00:06:09,156 --> 00:06:09,336
+that
+
+1123
+00:06:09,336 --> 00:06:09,596
+income.
+
+1124
+00:06:09,676 --> 00:06:09,975
+Right.
+
+1125
+00:06:10,156 --> 00:06:10,436
+But
+
+1126
+00:06:10,436 --> 00:06:10,716
+it's
+
+1127
+00:06:10,716 --> 00:06:10,855
+it's
+
+1128
+00:06:10,855 --> 00:06:10,956
+all
+
+1129
+00:06:10,956 --> 00:06:11,616
+about
+
+1130
+00:06:11,616 --> 00:06:12,336
+understanding
+
+1131
+00:06:12,336 --> 00:06:12,656
+the
+
+1132
+00:06:12,656 --> 00:06:12,855
+trade
+
+1133
+00:06:12,855 --> 00:06:13,176
+-offs.
+
+1134
+00:06:13,296 --> 00:06:13,456
+Right.
+
+1135
+00:06:13,676 --> 00:06:13,896
+Okay.
+
+1136
+00:06:14,396 --> 00:06:14,456
+Because
+
+1137
+00:06:14,456 --> 00:06:15,156
+sometimes
+
+1138
+00:06:15,156 --> 00:06:15,896
+a
+
+1139
+00:06:15,896 --> 00:06:16,116
+company
+
+1140
+00:06:16,116 --> 00:06:16,475
+will
+
+1141
+00:06:16,475 --> 00:06:16,915
+offer
+
+1142
+00:06:16,915 --> 00:06:17,376
+a
+
+1143
+00:06:17,376 --> 00:06:17,556
+higher
+
+1144
+00:06:17,556 --> 00:06:17,956
+dividend
+
+1145
+00:06:17,956 --> 00:06:18,236
+if
+
+1146
+00:06:18,236 --> 00:06:18,316
+they
+
+1147
+00:06:18,316 --> 00:06:18,456
+don't
+
+1148
+00:06:18,456 --> 00:06:18,616
+have
+
+1149
+00:06:18,616 --> 00:06:18,776
+as
+
+1150
+00:06:18,776 --> 00:06:18,915
+many
+
+1151
+00:06:18,915 --> 00:06:19,116
+high
+
+1152
+00:06:19,116 --> 00:06:19,296
+growth
+
+1153
+00:06:19,296 --> 00:06:19,676
+opportunities.
+
+1154
+00:06:20,156 --> 00:06:20,556
+Okay.
+
+1155
+00:06:20,996 --> 00:06:20,996
+Okay.
+
+1156
+00:06:21,036 --> 00:06:21,196
+So
+
+1157
+00:06:21,196 --> 00:06:21,556
+it's
+
+1158
+00:06:21,556 --> 00:06:21,616
+it's
+
+1159
+00:06:21,616 --> 00:06:21,776
+kind
+
+1160
+00:06:21,776 --> 00:06:21,876
+of
+
+1161
+00:06:21,876 --> 00:06:22,196
+like,
+
+1162
+00:06:22,196 --> 00:06:22,276
+you
+
+1163
+00:06:22,276 --> 00:06:22,475
+know,
+
+1164
+00:06:22,616 --> 00:06:22,776
+right.
+
+1165
+00:06:22,896 --> 00:06:22,956
+They
+
+1166
+00:06:22,956 --> 00:06:23,116
+got
+
+1167
+00:06:23,116 --> 00:06:23,376
+to
+
+1168
+00:06:23,376 --> 00:06:23,376
+they
+
+1169
+00:06:23,376 --> 00:06:23,536
+got
+
+1170
+00:06:23,536 --> 00:06:23,656
+to
+
+1171
+00:06:23,656 --> 00:06:24,016
+entice
+
+1172
+00:06:24,016 --> 00:06:24,296
+you
+
+1173
+00:06:24,296 --> 00:06:24,616
+somehow.
+
+1174
+00:06:24,776 --> 00:06:25,176
+Exactly.
+
+1175
+00:06:25,776 --> 00:06:25,855
+Exactly.
+
+1176
+00:06:25,956 --> 00:06:26,116
+Exactly.
+
+1177
+00:06:26,116 --> 00:06:26,316
+Okay.
+
+1178
+00:06:26,316 --> 00:06:26,456
+It's
+
+1179
+00:06:26,456 --> 00:06:26,576
+all
+
+1180
+00:06:26,576 --> 00:06:26,756
+part
+
+1181
+00:06:26,756 --> 00:06:26,816
+of
+
+1182
+00:06:26,816 --> 00:06:26,975
+their
+
+1183
+00:06:26,975 --> 00:06:27,336
+strategy.
+
+1184
+00:06:27,736 --> 00:06:28,056
+Interesting.
+
+1185
+00:06:28,536 --> 00:06:28,616
+Be
+
+1186
+00:06:28,616 --> 00:06:28,716
+on
+
+1187
+00:06:28,716 --> 00:06:28,855
+the
+
+1188
+00:06:28,855 --> 00:06:29,136
+balance
+
+1189
+00:06:29,136 --> 00:06:29,415
+sheet,
+
+1190
+00:06:29,996 --> 00:06:29,996
+huh?
+
+1191
+00:06:30,415 --> 00:06:30,716
+Sand's
+
+1192
+00:06:30,716 --> 00:06:30,816
+kind
+
+1193
+00:06:30,816 --> 00:06:30,915
+of
+
+1194
+00:06:30,915 --> 00:06:31,336
+mysterious.
+
+1195
+00:06:31,636 --> 00:06:31,956
+What's?
+
+1196
+00:06:32,208 --> 00:06:32,528
+What's
+
+1197
+00:06:32,528 --> 00:06:32,768
+behind
+
+1198
+00:06:32,768 --> 00:06:32,968
+the
+
+1199
+00:06:32,968 --> 00:06:33,168
+curtain
+
+1200
+00:06:33,168 --> 00:06:33,808
+here?
+
+1201
+00:06:34,268 --> 00:06:34,388
+Well,
+
+1202
+00:06:34,528 --> 00:06:34,588
+one
+
+1203
+00:06:34,588 --> 00:06:34,728
+thing
+
+1204
+00:06:34,728 --> 00:06:34,968
+to
+
+1205
+00:06:34,968 --> 00:06:35,208
+consider
+
+1206
+00:06:35,208 --> 00:06:35,468
+is
+
+1207
+00:06:35,468 --> 00:06:35,748
+ownership
+
+1208
+00:06:35,748 --> 00:06:36,308
+structure,
+
+1209
+00:06:36,628 --> 00:06:36,788
+like
+
+1210
+00:06:36,788 --> 00:06:37,008
+who
+
+1211
+00:06:37,008 --> 00:06:37,448
+actually
+
+1212
+00:06:37,448 --> 00:06:37,748
+owns
+
+1213
+00:06:37,748 --> 00:06:38,048
+these
+
+1214
+00:06:38,048 --> 00:06:38,208
+companies?
+
+1215
+00:06:38,248 --> 00:06:38,628
+Okay,
+
+1216
+00:06:38,788 --> 00:06:38,868
+yeah,
+
+1217
+00:06:38,868 --> 00:06:39,048
+who
+
+1218
+00:06:39,048 --> 00:06:39,168
+are
+
+1219
+00:06:39,168 --> 00:06:39,248
+the
+
+1220
+00:06:39,248 --> 00:06:39,388
+big
+
+1221
+00:06:39,388 --> 00:06:39,708
+players?
+
+1222
+00:06:39,948 --> 00:06:40,308
+Exactly,
+
+1223
+00:06:40,928 --> 00:06:40,928
+so
+
+1224
+00:06:40,928 --> 00:06:41,408
+with
+
+1225
+00:06:41,408 --> 00:06:41,748
+NMB
+
+1226
+00:06:41,748 --> 00:06:42,268
+bank,
+
+1227
+00:06:42,608 --> 00:06:42,868
+you've
+
+1228
+00:06:42,868 --> 00:06:43,168
+got
+
+1229
+00:06:43,168 --> 00:06:43,368
+a
+
+1230
+00:06:43,368 --> 00:06:43,608
+pretty
+
+1231
+00:06:43,608 --> 00:06:44,108
+significant
+
+1232
+00:06:44,108 --> 00:06:44,528
+chunk,
+
+1233
+00:06:44,668 --> 00:06:44,708
+like
+
+1234
+00:06:44,708 --> 00:06:45,268
+34
+
+1235
+00:06:45,268 --> 00:06:45,987
+.9
+
+1236
+00:06:45,987 --> 00:06:46,468
+%
+
+1237
+00:06:46,468 --> 00:06:46,588
+Oh,
+
+1238
+00:06:46,748 --> 00:06:46,868
+yeah.
+
+1239
+00:06:47,008 --> 00:06:47,328
+That's
+
+1240
+00:06:47,328 --> 00:06:47,528
+held
+
+1241
+00:06:47,528 --> 00:06:48,588
+by,
+
+1242
+00:06:48,588 --> 00:06:48,768
+you
+
+1243
+00:06:48,768 --> 00:06:48,908
+know,
+
+1244
+00:06:49,088 --> 00:06:49,188
+your
+
+1245
+00:06:49,188 --> 00:06:49,427
+venture
+
+1246
+00:06:49,427 --> 00:06:49,848
+capital
+
+1247
+00:06:49,848 --> 00:06:50,328
+firms,
+
+1248
+00:06:50,448 --> 00:06:50,628
+your
+
+1249
+00:06:50,628 --> 00:06:50,888
+private
+
+1250
+00:06:50,888 --> 00:06:51,228
+equity
+
+1251
+00:06:51,228 --> 00:06:51,508
+firm,
+
+1252
+00:06:52,427 --> 00:06:52,427
+which
+
+1253
+00:06:52,427 --> 00:06:52,828
+tells
+
+1254
+00:06:52,828 --> 00:06:53,028
+you
+
+1255
+00:06:53,028 --> 00:06:53,308
+something
+
+1256
+00:06:53,308 --> 00:06:53,608
+about
+
+1257
+00:06:53,608 --> 00:06:53,848
+their
+
+1258
+00:06:53,848 --> 00:06:54,208
+strategy
+
+1259
+00:06:54,208 --> 00:06:54,628
+right
+
+1260
+00:06:54,628 --> 00:06:54,848
+off
+
+1261
+00:06:54,848 --> 00:06:55,048
+the
+
+1262
+00:06:55,048 --> 00:06:55,188
+bat.
+
+1263
+00:06:55,248 --> 00:06:55,608
+Yeah,
+
+1264
+00:06:55,688 --> 00:06:55,808
+they're
+
+1265
+00:06:55,808 --> 00:06:56,088
+thinking
+
+1266
+00:06:56,088 --> 00:06:56,368
+long
+
+1267
+00:06:56,368 --> 00:06:56,548
+-term
+
+1268
+00:06:56,548 --> 00:06:56,928
+growth
+
+1269
+00:06:56,928 --> 00:06:57,408
+probably,
+
+1270
+00:06:57,528 --> 00:06:57,688
+right?
+
+1271
+00:06:57,728 --> 00:06:58,088
+Exactly.
+
+1272
+00:06:58,208 --> 00:06:58,408
+Those
+
+1273
+00:06:58,408 --> 00:06:58,488
+are
+
+1274
+00:06:58,488 --> 00:06:58,768
+not
+
+1275
+00:06:58,768 --> 00:06:59,228
+those
+
+1276
+00:06:59,228 --> 00:06:59,468
+types
+
+1277
+00:06:59,468 --> 00:06:59,688
+of
+
+1278
+00:06:59,688 --> 00:07:00,128
+investors
+
+1279
+00:07:00,128 --> 00:07:00,828
+aren't
+
+1280
+00:07:00,828 --> 00:07:01,088
+looking
+
+1281
+00:07:01,088 --> 00:07:01,348
+for
+
+1282
+00:07:01,348 --> 00:07:01,408
+a
+
+1283
+00:07:01,408 --> 00:07:01,588
+quick
+
+1284
+00:07:01,588 --> 00:07:01,888
+return.
+
+1285
+00:07:02,108 --> 00:07:02,308
+They're
+
+1286
+00:07:02,308 --> 00:07:02,568
+they're
+
+1287
+00:07:02,568 --> 00:07:02,568
+willing
+
+1288
+00:07:02,568 --> 00:07:03,208
+to
+
+1289
+00:07:03,208 --> 00:07:03,388
+Yeah,
+
+1290
+00:07:03,528 --> 00:07:03,708
+they're
+
+1291
+00:07:03,708 --> 00:07:03,748
+playing
+
+1292
+00:07:03,748 --> 00:07:03,888
+the
+
+1293
+00:07:03,888 --> 00:07:04,088
+long
+
+1294
+00:07:04,088 --> 00:07:04,228
+game.
+
+1295
+00:07:04,228 --> 00:07:04,408
+Play
+
+1296
+00:07:04,408 --> 00:07:04,588
+the
+
+1297
+00:07:04,588 --> 00:07:04,788
+long
+
+1298
+00:07:04,788 --> 00:07:04,988
+game
+
+1299
+00:07:04,988 --> 00:07:05,508
+exactly.
+
+1300
+00:07:06,048 --> 00:07:06,188
+They're
+
+1301
+00:07:06,188 --> 00:07:06,468
+okay
+
+1302
+00:07:06,468 --> 00:07:06,748
+with
+
+1303
+00:07:06,748 --> 00:07:06,808
+a
+
+1304
+00:07:06,808 --> 00:07:07,008
+little
+
+1305
+00:07:07,008 --> 00:07:07,188
+bit
+
+1306
+00:07:07,188 --> 00:07:07,328
+of
+
+1307
+00:07:07,328 --> 00:07:07,668
+risk.
+
+1308
+00:07:07,828 --> 00:07:08,088
+Right.
+
+1309
+00:07:08,228 --> 00:07:08,448
+If
+
+1310
+00:07:08,448 --> 00:07:08,628
+it
+
+1311
+00:07:08,628 --> 00:07:08,988
+means
+
+1312
+00:07:08,988 --> 00:07:09,268
+a
+
+1313
+00:07:09,268 --> 00:07:09,428
+bigger
+
+1314
+00:07:09,428 --> 00:07:09,948
+payout
+
+1315
+00:07:09,948 --> 00:07:10,148
+down
+
+1316
+00:07:10,148 --> 00:07:10,268
+the
+
+1317
+00:07:10,268 --> 00:07:10,508
+road.
+
+1318
+00:07:10,668 --> 00:07:10,968
+Okay.
+
+1319
+00:07:11,168 --> 00:07:11,308
+That
+
+1320
+00:07:11,308 --> 00:07:11,468
+makes
+
+1321
+00:07:11,468 --> 00:07:11,768
+sense.
+
+1322
+00:07:11,988 --> 00:07:12,048
+Yeah,
+
+1323
+00:07:12,148 --> 00:07:12,428
+whereas
+
+1324
+00:07:12,428 --> 00:07:13,048
+CRDB
+
+1325
+00:07:13,048 --> 00:07:13,628
+It's
+
+1326
+00:07:13,628 --> 00:07:13,828
+a
+
+1327
+00:07:13,828 --> 00:07:14,028
+different
+
+1328
+00:07:14,028 --> 00:07:14,408
+story.
+
+1329
+00:07:14,628 --> 00:07:14,768
+Okay.
+
+1330
+00:07:15,008 --> 00:07:15,188
+How
+
+1331
+00:07:15,188 --> 00:07:15,468
+so?
+
+1332
+00:07:15,600 --> 00:07:16,040
+Much
+
+1333
+00:07:16,040 --> 00:07:16,340
+more
+
+1334
+00:07:16,340 --> 00:07:16,580
+diverse
+
+1335
+00:07:16,580 --> 00:07:16,980
+ownership,
+
+1336
+00:07:17,280 --> 00:07:17,360
+like
+
+1337
+00:07:17,360 --> 00:07:17,540
+40
+
+1338
+00:07:17,540 --> 00:07:18,040
+.9
+
+1339
+00:07:18,040 --> 00:07:18,240
+%
+
+1340
+00:07:18,240 --> 00:07:18,540
+is
+
+1341
+00:07:18,540 --> 00:07:18,920
+actually
+
+1342
+00:07:18,920 --> 00:07:19,220
+held
+
+1343
+00:07:19,220 --> 00:07:19,439
+by
+
+1344
+00:07:19,439 --> 00:07:19,580
+the
+
+1345
+00:07:19,580 --> 00:07:19,740
+general
+
+1346
+00:07:19,740 --> 00:07:20,060
+public.
+
+1347
+00:07:20,260 --> 00:07:20,480
+Oh,
+
+1348
+00:07:20,520 --> 00:07:20,760
+wow.
+
+1349
+00:07:20,900 --> 00:07:21,160
+Okay.
+
+1350
+00:07:21,320 --> 00:07:21,580
+So
+
+1351
+00:07:21,580 --> 00:07:22,260
+it's
+
+1352
+00:07:22,260 --> 00:07:22,520
+everyday
+
+1353
+00:07:22,520 --> 00:07:22,840
+folks
+
+1354
+00:07:22,840 --> 00:07:23,060
+like
+
+1355
+00:07:23,060 --> 00:07:23,340
+us.
+
+1356
+00:07:23,379 --> 00:07:23,600
+Right.
+
+1357
+00:07:23,680 --> 00:07:23,800
+So
+
+1358
+00:07:23,800 --> 00:07:23,879
+they
+
+1359
+00:07:23,879 --> 00:07:23,980
+might
+
+1360
+00:07:23,980 --> 00:07:24,120
+have
+
+1361
+00:07:24,120 --> 00:07:24,300
+different
+
+1362
+00:07:24,300 --> 00:07:24,680
+priorities
+
+1363
+00:07:24,680 --> 00:07:25,220
+then.
+
+1364
+00:07:25,600 --> 00:07:26,000
+Exactly.
+
+1365
+00:07:26,300 --> 00:07:26,439
+You're
+
+1366
+00:07:26,439 --> 00:07:26,560
+going
+
+1367
+00:07:26,560 --> 00:07:26,620
+to
+
+1368
+00:07:26,620 --> 00:07:27,000
+see
+
+1369
+00:07:27,000 --> 00:07:27,379
+probably
+
+1370
+00:07:27,379 --> 00:07:27,640
+a
+
+1371
+00:07:27,640 --> 00:07:27,879
+bigger
+
+1372
+00:07:27,879 --> 00:07:28,340
+emphasis
+
+1373
+00:07:28,340 --> 00:07:28,720
+on
+
+1374
+00:07:28,720 --> 00:07:29,100
+stability.
+
+1375
+00:07:29,580 --> 00:07:30,040
+Okay.
+
+1376
+00:07:30,160 --> 00:07:30,600
+Consistent
+
+1377
+00:07:30,600 --> 00:07:31,120
+dividends.
+
+1378
+00:07:31,360 --> 00:07:31,720
+Right.
+
+1379
+00:07:32,280 --> 00:07:32,280
+Right.
+
+1380
+00:07:32,340 --> 00:07:32,420
+You
+
+1381
+00:07:32,420 --> 00:07:32,560
+know,
+
+1382
+00:07:32,620 --> 00:07:32,800
+keeping
+
+1383
+00:07:32,800 --> 00:07:33,040
+a
+
+1384
+00:07:33,040 --> 00:07:33,080
+lot
+
+1385
+00:07:33,080 --> 00:07:33,280
+of
+
+1386
+00:07:33,280 --> 00:07:33,640
+shareholders
+
+1387
+00:07:33,640 --> 00:07:34,400
+happy.
+
+1388
+00:07:34,700 --> 00:07:34,980
+Happy.
+
+1389
+00:07:35,320 --> 00:07:35,340
+Yeah,
+
+1390
+00:07:35,360 --> 00:07:35,500
+because
+
+1391
+00:07:35,500 --> 00:07:35,640
+they're
+
+1392
+00:07:35,640 --> 00:07:36,040
+probably
+
+1393
+00:07:36,040 --> 00:07:36,460
+like
+
+1394
+00:07:36,460 --> 00:07:36,500
+you
+
+1395
+00:07:36,500 --> 00:07:36,680
+said
+
+1396
+00:07:36,680 --> 00:07:37,040
+everyday
+
+1397
+00:07:37,040 --> 00:07:37,379
+folks
+
+1398
+00:07:37,379 --> 00:07:37,560
+who
+
+1399
+00:07:37,560 --> 00:07:37,640
+are
+
+1400
+00:07:37,640 --> 00:07:37,939
+looking
+
+1401
+00:07:37,939 --> 00:07:38,640
+to
+
+1402
+00:07:38,640 --> 00:07:39,040
+exactly.
+
+1403
+00:07:39,100 --> 00:07:39,200
+You
+
+1404
+00:07:39,200 --> 00:07:39,320
+know,
+
+1405
+00:07:39,340 --> 00:07:39,540
+maybe
+
+1406
+00:07:39,540 --> 00:07:39,820
+supplement
+
+1407
+00:07:39,820 --> 00:07:40,180
+their
+
+1408
+00:07:40,180 --> 00:07:40,520
+income
+
+1409
+00:07:40,520 --> 00:07:41,120
+or.
+
+1410
+00:07:41,280 --> 00:07:41,580
+Exactly.
+
+1411
+00:07:42,000 --> 00:07:42,100
+Yeah.
+
+1412
+00:07:42,180 --> 00:07:42,379
+Yeah.
+
+1413
+00:07:42,500 --> 00:07:42,700
+So
+
+1414
+00:07:42,700 --> 00:07:43,520
+it's
+
+1415
+00:07:43,520 --> 00:07:43,700
+almost
+
+1416
+00:07:43,700 --> 00:07:44,020
+like.
+
+1417
+00:07:44,120 --> 00:07:44,260
+Yeah.
+
+1418
+00:07:44,399 --> 00:07:44,679
+You
+
+1419
+00:07:44,679 --> 00:07:44,699
+know,
+
+1420
+00:07:44,899 --> 00:07:45,000
+you've
+
+1421
+00:07:45,000 --> 00:07:45,159
+got
+
+1422
+00:07:45,159 --> 00:07:45,379
+one
+
+1423
+00:07:45,379 --> 00:07:45,679
+bank
+
+1424
+00:07:45,679 --> 00:07:46,519
+that's
+
+1425
+00:07:46,519 --> 00:07:46,519
+like
+
+1426
+00:07:46,519 --> 00:07:47,079
+the
+
+1427
+00:07:47,079 --> 00:07:47,299
+speed
+
+1428
+00:07:47,299 --> 00:07:47,819
+boat.
+
+1429
+00:07:48,000 --> 00:07:48,039
+Right.
+
+1430
+00:07:48,379 --> 00:07:48,599
+They're
+
+1431
+00:07:48,599 --> 00:07:48,779
+zipping
+
+1432
+00:07:48,779 --> 00:07:49,079
+around,
+
+1433
+00:07:49,199 --> 00:07:49,319
+taking
+
+1434
+00:07:49,319 --> 00:07:49,599
+some
+
+1435
+00:07:49,599 --> 00:07:49,859
+risk.
+
+1436
+00:07:49,939 --> 00:07:50,219
+Yeah.
+
+1437
+00:07:50,500 --> 00:07:50,599
+Yeah.
+
+1438
+00:07:50,599 --> 00:07:50,759
+Trying
+
+1439
+00:07:50,759 --> 00:07:50,839
+to
+
+1440
+00:07:50,839 --> 00:07:50,959
+hit
+
+1441
+00:07:50,959 --> 00:07:51,219
+those,
+
+1442
+00:07:51,219 --> 00:07:51,599
+hit
+
+1443
+00:07:51,599 --> 00:07:51,779
+those
+
+1444
+00:07:51,779 --> 00:07:52,079
+big
+
+1445
+00:07:52,079 --> 00:07:52,519
+waves.
+
+1446
+00:07:52,599 --> 00:07:52,859
+Right.
+
+1447
+00:07:53,019 --> 00:07:53,219
+And
+
+1448
+00:07:53,219 --> 00:07:53,359
+then
+
+1449
+00:07:53,359 --> 00:07:53,399
+you
+
+1450
+00:07:53,399 --> 00:07:53,560
+got
+
+1451
+00:07:53,560 --> 00:07:53,759
+the
+
+1452
+00:07:53,759 --> 00:07:53,859
+other
+
+1453
+00:07:53,859 --> 00:07:53,979
+one
+
+1454
+00:07:53,979 --> 00:07:54,219
+that's
+
+1455
+00:07:54,219 --> 00:07:54,299
+like
+
+1456
+00:07:54,299 --> 00:07:54,439
+the
+
+1457
+00:07:54,439 --> 00:07:54,639
+cruise
+
+1458
+00:07:54,639 --> 00:07:55,439
+ship.
+
+1459
+00:07:56,060 --> 00:07:56,219
+All
+
+1460
+00:07:56,219 --> 00:07:56,239
+right.
+
+1461
+00:07:56,339 --> 00:07:56,379
+I
+
+1462
+00:07:56,379 --> 00:07:56,519
+like
+
+1463
+00:07:56,519 --> 00:07:56,759
+this
+
+1464
+00:07:56,759 --> 00:07:57,099
+analogy.
+
+1465
+00:07:57,759 --> 00:07:57,759
+Yeah.
+
+1466
+00:07:58,179 --> 00:07:58,359
+A
+
+1467
+00:07:58,359 --> 00:07:58,519
+little
+
+1468
+00:07:58,519 --> 00:07:58,799
+smoother,
+
+1469
+00:07:59,060 --> 00:07:59,239
+more
+
+1470
+00:07:59,239 --> 00:07:59,620
+predictable.
+
+1471
+00:08:00,659 --> 00:08:00,739
+You
+
+1472
+00:08:00,739 --> 00:08:00,839
+know
+
+1473
+00:08:00,839 --> 00:08:00,959
+where
+
+1474
+00:08:00,959 --> 00:08:01,120
+you're
+
+1475
+00:08:01,120 --> 00:08:01,199
+going
+
+1476
+00:08:01,199 --> 00:08:01,199
+to
+
+1477
+00:08:01,199 --> 00:08:01,359
+end
+
+1478
+00:08:01,359 --> 00:08:01,579
+up.
+
+1479
+00:08:01,639 --> 00:08:01,859
+Right.
+
+1480
+00:08:02,159 --> 00:08:02,259
+Right.
+
+1481
+00:08:02,259 --> 00:08:02,500
+Okay.
+
+1482
+00:08:02,659 --> 00:08:02,899
+But
+
+1483
+00:08:02,899 --> 00:08:03,060
+how
+
+1484
+00:08:03,060 --> 00:08:03,259
+does
+
+1485
+00:08:03,259 --> 00:08:03,560
+that
+
+1486
+00:08:03,560 --> 00:08:03,919
+actually,
+
+1487
+00:08:04,079 --> 00:08:04,339
+like
+
+1488
+00:08:04,339 --> 00:08:04,500
+how
+
+1489
+00:08:04,500 --> 00:08:04,699
+does
+
+1490
+00:08:04,699 --> 00:08:04,919
+that
+
+1491
+00:08:04,919 --> 00:08:05,199
+play
+
+1492
+00:08:05,199 --> 00:08:05,479
+out,
+
+1493
+00:08:05,620 --> 00:08:05,759
+though?
+
+1494
+00:08:05,899 --> 00:08:06,079
+Well,
+
+1495
+00:08:06,079 --> 00:08:06,139
+you
+
+1496
+00:08:06,139 --> 00:08:06,339
+can
+
+1497
+00:08:06,339 --> 00:08:06,500
+see
+
+1498
+00:08:06,500 --> 00:08:06,659
+it
+
+1499
+00:08:06,659 --> 00:08:06,719
+in
+
+1500
+00:08:06,719 --> 00:08:06,859
+their
+
+1501
+00:08:06,859 --> 00:08:07,120
+market
+
+1502
+00:08:07,120 --> 00:08:07,560
+performance.
+
+1503
+00:08:07,799 --> 00:08:08,039
+Okay.
+
+1504
+00:08:08,339 --> 00:08:08,459
+And
+
+1505
+00:08:08,459 --> 00:08:08,579
+then
+
+1506
+00:08:08,579 --> 00:08:09,139
+be
+
+1507
+00:08:09,139 --> 00:08:09,620
+lower
+
+1508
+00:08:09,620 --> 00:08:09,979
+volatility.
+
+1509
+00:08:11,375 --> 00:08:11,755
+Only
+
+1510
+00:08:11,755 --> 00:08:12,096
+about
+
+1511
+00:08:12,096 --> 00:08:12,235
+1
+
+1512
+00:08:12,235 --> 00:08:12,795
+.7
+
+1513
+00:08:12,795 --> 00:08:13,335
+percent.
+
+1514
+00:08:13,735 --> 00:08:13,735
+Okay.
+
+1515
+00:08:14,055 --> 00:08:14,195
+Share
+
+1516
+00:08:14,195 --> 00:08:14,515
+price
+
+1517
+00:08:14,515 --> 00:08:14,875
+increase
+
+1518
+00:08:14,875 --> 00:08:15,096
+over
+
+1519
+00:08:15,096 --> 00:08:15,235
+the
+
+1520
+00:08:15,235 --> 00:08:15,455
+last
+
+1521
+00:08:15,455 --> 00:08:15,755
+year.
+
+1522
+00:08:16,055 --> 00:08:16,175
+Pretty
+
+1523
+00:08:16,175 --> 00:08:16,715
+respectable
+
+1524
+00:08:16,715 --> 00:08:17,275
+15
+
+1525
+00:08:17,275 --> 00:08:17,755
+.2
+
+1526
+00:08:17,755 --> 00:08:18,175
+percent.
+
+1527
+00:08:18,175 --> 00:08:18,536
+Solid
+
+1528
+00:08:18,536 --> 00:08:18,795
+yeah.
+
+1529
+00:08:18,815 --> 00:08:19,036
+Nice
+
+1530
+00:08:19,036 --> 00:08:19,275
+and
+
+1531
+00:08:19,275 --> 00:08:19,475
+steady.
+
+1532
+00:08:19,715 --> 00:08:20,015
+Nice
+
+1533
+00:08:20,015 --> 00:08:20,195
+and
+
+1534
+00:08:20,195 --> 00:08:20,435
+steady
+
+1535
+00:08:20,435 --> 00:08:20,975
+right.
+
+1536
+00:08:21,455 --> 00:08:21,935
+CRDB
+
+1537
+00:08:21,935 --> 00:08:22,235
+on
+
+1538
+00:08:22,235 --> 00:08:22,355
+the
+
+1539
+00:08:22,355 --> 00:08:22,495
+other
+
+1540
+00:08:22,495 --> 00:08:22,855
+hand.
+
+1541
+00:08:23,115 --> 00:08:23,315
+Yeah.
+
+1542
+00:08:23,315 --> 00:08:23,475
+A
+
+1543
+00:08:23,475 --> 00:08:23,596
+little
+
+1544
+00:08:23,596 --> 00:08:23,795
+more
+
+1545
+00:08:23,795 --> 00:08:23,895
+of
+
+1546
+00:08:23,895 --> 00:08:23,975
+a
+
+1547
+00:08:23,975 --> 00:08:24,096
+roller
+
+1548
+00:08:24,096 --> 00:08:24,415
+coaster.
+
+1549
+00:08:24,596 --> 00:08:24,955
+Yeah.
+
+1550
+00:08:24,955 --> 00:08:25,175
+2
+
+1551
+00:08:25,175 --> 00:08:25,475
+percent
+
+1552
+00:08:25,475 --> 00:08:25,875
+volatility.
+
+1553
+00:08:25,975 --> 00:08:26,195
+Oh
+
+1554
+00:08:26,195 --> 00:08:26,335
+my,
+
+1555
+00:08:26,495 --> 00:08:26,695
+it's
+
+1556
+00:08:26,695 --> 00:08:26,755
+a
+
+1557
+00:08:26,755 --> 00:08:26,975
+little
+
+1558
+00:08:26,975 --> 00:08:27,495
+bumpier.
+
+1559
+00:08:27,575 --> 00:08:27,675
+A
+
+1560
+00:08:27,675 --> 00:08:27,815
+little
+
+1561
+00:08:27,815 --> 00:08:28,355
+bumpier.
+
+1562
+00:08:28,855 --> 00:08:28,975
+Yeah.
+
+1563
+00:08:29,155 --> 00:08:29,575
+But
+
+1564
+00:08:29,575 --> 00:08:29,995
+share
+
+1565
+00:08:29,995 --> 00:08:30,375
+prices
+
+1566
+00:08:30,375 --> 00:08:30,815
+surge
+
+1567
+00:08:30,815 --> 00:08:31,536
+45
+
+1568
+00:08:31,536 --> 00:08:32,115
+.55
+
+1569
+00:08:32,115 --> 00:08:32,655
+percent.
+
+1570
+00:08:32,836 --> 00:08:32,975
+Yeah,
+
+1571
+00:08:33,055 --> 00:08:33,196
+see
+
+1572
+00:08:33,196 --> 00:08:33,495
+that's
+
+1573
+00:08:33,495 --> 00:08:33,596
+one
+
+1574
+00:08:33,596 --> 00:08:33,675
+of
+
+1575
+00:08:33,675 --> 00:08:33,675
+the
+
+1576
+00:08:33,675 --> 00:08:33,795
+time.
+
+1577
+00:08:33,956 --> 00:08:34,275
+That's
+
+1578
+00:08:34,275 --> 00:08:34,935
+that's
+
+1579
+00:08:34,935 --> 00:08:35,196
+that's
+
+1580
+00:08:35,196 --> 00:08:35,336
+a
+
+1581
+00:08:35,336 --> 00:08:35,675
+big
+
+1582
+00:08:35,675 --> 00:08:35,956
+jump.
+
+1583
+00:08:36,208 --> 00:08:36,748
+That's
+
+1584
+00:08:36,748 --> 00:08:37,108
+huge.
+
+1585
+00:08:37,228 --> 00:08:37,328
+It
+
+1586
+00:08:37,328 --> 00:08:37,708
+is.
+
+1587
+00:08:37,868 --> 00:08:38,008
+So
+
+1588
+00:08:38,008 --> 00:08:38,308
+yeah,
+
+1589
+00:08:38,468 --> 00:08:38,568
+if
+
+1590
+00:08:38,568 --> 00:08:38,688
+you're
+
+1591
+00:08:38,688 --> 00:08:38,908
+if
+
+1592
+00:08:38,908 --> 00:08:38,968
+you
+
+1593
+00:08:38,968 --> 00:08:39,168
+don't
+
+1594
+00:08:39,168 --> 00:08:39,488
+mind.
+
+1595
+00:08:39,508 --> 00:08:39,588
+If
+
+1596
+00:08:39,588 --> 00:08:39,608
+you
+
+1597
+00:08:39,608 --> 00:08:39,748
+got
+
+1598
+00:08:39,748 --> 00:08:39,908
+the
+
+1599
+00:08:39,908 --> 00:08:40,128
+stomach
+
+1600
+00:08:40,128 --> 00:08:40,368
+for
+
+1601
+00:08:40,368 --> 00:08:40,428
+it.
+
+1602
+00:08:40,468 --> 00:08:40,608
+Yeah,
+
+1603
+00:08:40,648 --> 00:08:40,728
+if
+
+1604
+00:08:40,728 --> 00:08:40,748
+you
+
+1605
+00:08:40,748 --> 00:08:40,928
+don't
+
+1606
+00:08:40,928 --> 00:08:41,268
+mind,
+
+1607
+00:08:41,368 --> 00:08:41,368
+you
+
+1608
+00:08:41,368 --> 00:08:41,608
+know,
+
+1609
+00:08:41,728 --> 00:08:41,728
+a
+
+1610
+00:08:41,728 --> 00:08:41,848
+little
+
+1611
+00:08:41,848 --> 00:08:42,048
+bit
+
+1612
+00:08:42,048 --> 00:08:42,128
+of
+
+1613
+00:08:42,128 --> 00:08:42,308
+a
+
+1614
+00:08:42,308 --> 00:08:42,488
+thrill
+
+1615
+00:08:42,488 --> 00:08:42,908
+ride.
+
+1616
+00:08:43,288 --> 00:08:43,288
+Right.
+
+1617
+00:08:43,908 --> 00:08:44,348
+There's
+
+1618
+00:08:44,348 --> 00:08:44,788
+there's
+
+1619
+00:08:44,788 --> 00:08:44,948
+a
+
+1620
+00:08:44,948 --> 00:08:45,028
+lot
+
+1621
+00:08:45,028 --> 00:08:45,208
+of
+
+1622
+00:08:45,208 --> 00:08:45,588
+potential
+
+1623
+00:08:45,588 --> 00:08:46,048
+there.
+
+1624
+00:08:46,148 --> 00:08:46,408
+There
+
+1625
+00:08:46,408 --> 00:08:46,608
+is.
+
+1626
+00:08:46,788 --> 00:08:46,868
+And
+
+1627
+00:08:46,868 --> 00:08:47,048
+and
+
+1628
+00:08:47,048 --> 00:08:47,288
+that's
+
+1629
+00:08:47,288 --> 00:08:47,508
+why
+
+1630
+00:08:47,508 --> 00:08:48,368
+understanding
+
+1631
+00:08:48,368 --> 00:08:48,768
+your
+
+1632
+00:08:48,768 --> 00:08:48,988
+own
+
+1633
+00:08:48,988 --> 00:08:49,408
+investor
+
+1634
+00:08:49,408 --> 00:08:49,908
+profile
+
+1635
+00:08:49,908 --> 00:08:50,148
+is
+
+1636
+00:08:50,148 --> 00:08:50,408
+so
+
+1637
+00:08:50,408 --> 00:08:50,768
+important.
+
+1638
+00:08:50,948 --> 00:08:51,188
+Right.
+
+1639
+00:08:51,488 --> 00:08:51,848
+There's
+
+1640
+00:08:51,848 --> 00:08:52,168
+no
+
+1641
+00:08:52,168 --> 00:08:52,408
+right
+
+1642
+00:08:52,408 --> 00:08:52,748
+answer
+
+1643
+00:08:52,748 --> 00:08:53,148
+here.
+
+1644
+00:08:53,268 --> 00:08:53,688
+Right.
+
+1645
+00:08:53,968 --> 00:08:54,108
+Right.
+
+1646
+00:08:54,108 --> 00:08:54,328
+It's
+
+1647
+00:08:54,328 --> 00:08:54,528
+not
+
+1648
+00:08:54,528 --> 00:08:54,908
+like
+
+1649
+00:08:54,908 --> 00:08:55,288
+one
+
+1650
+00:08:55,288 --> 00:08:55,508
+is
+
+1651
+00:08:55,508 --> 00:08:55,688
+just
+
+1652
+00:08:55,688 --> 00:08:56,008
+inherently
+
+1653
+00:08:56,008 --> 00:08:56,448
+better
+
+1654
+00:08:56,448 --> 00:08:56,668
+than
+
+1655
+00:08:56,668 --> 00:08:56,828
+the
+
+1656
+00:08:56,828 --> 00:08:57,148
+other.
+
+1657
+00:08:57,288 --> 00:08:57,688
+Exactly.
+
+1658
+00:08:57,868 --> 00:08:58,108
+It's
+
+1659
+00:08:58,108 --> 00:08:58,268
+all
+
+1660
+00:08:58,268 --> 00:08:58,788
+about
+
+1661
+00:08:58,788 --> 00:08:59,408
+what
+
+1662
+00:08:59,408 --> 00:08:59,688
+you're
+
+1663
+00:08:59,688 --> 00:08:59,908
+trying
+
+1664
+00:08:59,908 --> 00:09:00,068
+to
+
+1665
+00:09:00,068 --> 00:09:00,468
+achieve.
+
+1666
+00:09:00,468 --> 00:09:00,848
+Okay.
+
+1667
+00:09:01,308 --> 00:09:01,448
+Yeah.
+
+1668
+00:09:01,528 --> 00:09:01,568
+Yeah.
+
+1669
+00:09:01,648 --> 00:09:01,888
+Your
+
+1670
+00:09:01,888 --> 00:09:02,328
+goals.
+
+1671
+00:09:02,728 --> 00:09:02,788
+Your
+
+1672
+00:09:02,788 --> 00:09:03,028
+risk
+
+1673
+00:09:03,028 --> 00:09:03,328
+tolerant.
+
+1674
+00:09:03,588 --> 00:09:04,048
+Exactly.
+
+1675
+00:09:04,948 --> 00:09:04,948
+Exactly.
+
+1676
+00:09:05,228 --> 00:09:05,468
+So.
+
+1677
+00:09:06,127 --> 00:09:06,487
+You
+
+1678
+00:09:06,487 --> 00:09:06,607
+know,
+
+1679
+00:09:06,887 --> 00:09:06,987
+if
+
+1680
+00:09:06,987 --> 00:09:07,267
+you're
+
+1681
+00:09:07,267 --> 00:09:07,387
+the
+
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+00:09:07,387 --> 00:09:07,647
+type
+
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+00:09:07,647 --> 00:09:07,807
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+
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+00:09:07,807 --> 00:09:08,027
+person
+
+1685
+00:09:08,027 --> 00:09:08,627
+who
+
+1686
+00:09:08,627 --> 00:09:08,947
+likes
+
+1687
+00:09:08,947 --> 00:09:09,167
+to
+
+1688
+00:09:09,167 --> 00:09:09,387
+sleep
+
+1689
+00:09:09,387 --> 00:09:09,627
+well
+
+1690
+00:09:09,627 --> 00:09:09,747
+at
+
+1691
+00:09:09,747 --> 00:09:10,087
+night.
+
+1692
+00:09:10,427 --> 00:09:10,507
+Right.
+
+1693
+00:09:10,707 --> 00:09:10,787
+You
+
+1694
+00:09:10,787 --> 00:09:11,027
+need
+
+1695
+00:09:11,027 --> 00:09:11,307
+that
+
+1696
+00:09:11,307 --> 00:09:11,687
+steady.
+
+1697
+00:09:11,687 --> 00:09:11,927
+You
+
+1698
+00:09:11,927 --> 00:09:12,107
+need
+
+1699
+00:09:12,107 --> 00:09:12,367
+that
+
+1700
+00:09:12,367 --> 00:09:12,607
+steady
+
+1701
+00:09:12,607 --> 00:09:13,027
+growth.
+
+1702
+00:09:13,267 --> 00:09:13,567
+Exactly.
+
+1703
+00:09:13,727 --> 00:09:13,827
+You
+
+1704
+00:09:13,827 --> 00:09:14,047
+just
+
+1705
+00:09:14,047 --> 00:09:14,187
+want
+
+1706
+00:09:14,187 --> 00:09:14,187
+to
+
+1707
+00:09:14,187 --> 00:09:14,407
+see
+
+1708
+00:09:14,407 --> 00:09:15,027
+those
+
+1709
+00:09:15,027 --> 00:09:15,107
+those
+
+1710
+00:09:15,107 --> 00:09:15,607
+dividends
+
+1711
+00:09:15,607 --> 00:09:15,947
+coming
+
+1712
+00:09:15,947 --> 00:09:16,167
+in
+
+1713
+00:09:16,167 --> 00:09:16,407
+like
+
+1714
+00:09:16,407 --> 00:09:16,967
+clockwork.
+
+1715
+00:09:17,327 --> 00:09:17,327
+Yeah.
+
+1716
+00:09:17,663 --> 00:09:18,083
+Maybe
+
+1717
+00:09:18,083 --> 00:09:18,703
+NMB
+
+1718
+00:09:18,703 --> 00:09:19,004
+is
+
+1719
+00:09:19,004 --> 00:09:19,384
+more
+
+1720
+00:09:19,384 --> 00:09:19,703
+your
+
+1721
+00:09:19,703 --> 00:09:20,043
+speed.
+
+1722
+00:09:20,283 --> 00:09:20,484
+Okay.
+
+1723
+00:09:20,783 --> 00:09:21,183
+If
+
+1724
+00:09:21,183 --> 00:09:21,283
+you
+
+1725
+00:09:21,283 --> 00:09:21,283
+if
+
+1726
+00:09:21,283 --> 00:09:21,343
+you
+
+1727
+00:09:21,343 --> 00:09:21,484
+like
+
+1728
+00:09:21,484 --> 00:09:21,624
+to
+
+1729
+00:09:21,624 --> 00:09:21,783
+live
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+1730
+00:09:21,783 --> 00:09:21,903
+a
+
+1731
+00:09:21,903 --> 00:09:22,083
+little
+
+1732
+00:09:22,083 --> 00:09:22,264
+bit
+
+1733
+00:09:22,264 --> 00:09:22,484
+more
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+00:09:22,484 --> 00:09:22,644
+on
+
+1735
+00:09:22,644 --> 00:09:22,744
+the
+
+1736
+00:09:22,744 --> 00:09:23,043
+edge.
+
+1737
+00:09:23,183 --> 00:09:23,384
+You're
+
+1738
+00:09:23,384 --> 00:09:23,604
+okay
+
+1739
+00:09:23,604 --> 00:09:23,864
+with
+
+1740
+00:09:23,864 --> 00:09:24,124
+yeah
+
+1741
+00:09:24,124 --> 00:09:24,323
+with
+
+1742
+00:09:24,323 --> 00:09:24,403
+a
+
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+00:09:24,403 --> 00:09:24,583
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+00:09:24,583 --> 00:09:24,764
+bit
+
+1745
+00:09:24,764 --> 00:09:24,884
+of
+
+1746
+00:09:24,884 --> 00:09:25,283
+uncertainty.
+
+1747
+00:09:25,563 --> 00:09:25,923
+Exactly.
+
+1748
+00:09:26,203 --> 00:09:26,244
+And
+
+1749
+00:09:26,244 --> 00:09:26,343
+you
+
+1750
+00:09:26,343 --> 00:09:26,663
+think
+
+1751
+00:09:26,663 --> 00:09:26,823
+you
+
+1752
+00:09:26,823 --> 00:09:27,203
+know.
+
+1753
+00:09:27,203 --> 00:09:27,403
+Yeah.
+
+1754
+00:09:27,663 --> 00:09:28,063
+Tanzania's
+
+1755
+00:09:28,063 --> 00:09:28,183
+got
+
+1756
+00:09:28,183 --> 00:09:28,323
+a
+
+1757
+00:09:28,323 --> 00:09:28,484
+bright
+
+1758
+00:09:28,484 --> 00:09:28,803
+future.
+
+1759
+00:09:29,144 --> 00:09:29,244
+Right.
+
+1760
+00:09:29,624 --> 00:09:29,764
+They're
+
+1761
+00:09:29,764 --> 00:09:29,864
+they're
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+00:09:29,864 --> 00:09:29,943
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+
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+00:09:29,943 --> 00:09:30,223
+to
+
+1764
+00:09:30,223 --> 00:09:30,403
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+
+1765
+00:09:30,403 --> 00:09:30,484
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+
+1766
+00:09:30,484 --> 00:09:30,543
+to
+
+1767
+00:09:30,543 --> 00:09:30,723
+go
+
+1768
+00:09:30,723 --> 00:09:31,124
+big.
+
+1769
+00:09:31,244 --> 00:09:31,644
+Exactly.
+
+1770
+00:09:32,063 --> 00:09:32,443
+CRDB
+
+1771
+00:09:32,443 --> 00:09:32,703
+might
+
+1772
+00:09:32,703 --> 00:09:32,843
+be
+
+1773
+00:09:32,843 --> 00:09:32,943
+the
+
+1774
+00:09:32,943 --> 00:09:33,063
+way
+
+1775
+00:09:33,063 --> 00:09:33,203
+to
+
+1776
+00:09:33,203 --> 00:09:33,384
+go.
+
+1777
+00:09:33,463 --> 00:09:33,644
+This
+
+1778
+00:09:33,644 --> 00:09:33,843
+has
+
+1779
+00:09:33,843 --> 00:09:34,024
+been
+
+1780
+00:09:34,024 --> 00:09:34,423
+great.
+
+1781
+00:09:34,583 --> 00:09:34,703
+I
+
+1782
+00:09:34,703 --> 00:09:34,864
+feel
+
+1783
+00:09:34,864 --> 00:09:34,943
+like
+
+1784
+00:09:34,943 --> 00:09:35,163
+I've
+
+1785
+00:09:35,163 --> 00:09:35,364
+learned
+
+1786
+00:09:35,364 --> 00:09:35,663
+a
+
+1787
+00:09:35,663 --> 00:09:35,864
+lot.
+
+1788
+00:09:36,303 --> 00:09:36,384
+It's
+
+1789
+00:09:36,384 --> 00:09:36,543
+it's
+
+1790
+00:09:36,543 --> 00:09:36,644
+just
+
+1791
+00:09:36,644 --> 00:09:37,283
+it's
+
+1792
+00:09:37,283 --> 00:09:37,563
+interesting
+
+1793
+00:09:37,563 --> 00:09:37,803
+to
+
+1794
+00:09:37,803 --> 00:09:38,004
+see
+
+1795
+00:09:38,004 --> 00:09:38,644
+how.
+
+1796
+00:09:38,723 --> 00:09:39,063
+Yeah.
+
+1797
+00:09:39,124 --> 00:09:39,303
+To
+
+1798
+00:09:39,303 --> 00:09:39,524
+banks
+
+1799
+00:09:39,524 --> 00:09:39,764
+in
+
+1800
+00:09:39,764 --> 00:09:39,823
+the
+
+1801
+00:09:39,823 --> 00:09:40,203
+same
+
+1802
+00:09:40,203 --> 00:09:40,703
+country
+
+1803
+00:09:40,703 --> 00:09:41,024
+same
+
+1804
+00:09:41,024 --> 00:09:41,384
+sector
+
+1805
+00:09:41,384 --> 00:09:41,604
+can
+
+1806
+00:09:41,604 --> 00:09:41,864
+be
+
+1807
+00:09:41,864 --> 00:09:42,163
+so
+
+1808
+00:09:42,163 --> 00:09:42,543
+different.
+
+1809
+00:09:43,104 --> 00:09:43,104
+Absolutely.
+
+1810
+00:09:43,543 --> 00:09:43,543
+And
+
+1811
+00:09:43,543 --> 00:09:43,663
+yeah.
+
+1812
+00:09:43,884 --> 00:09:43,884
+And.
+
+1813
+00:09:44,587 --> 00:09:45,028
+We've
+
+1814
+00:09:45,028 --> 00:09:45,268
+we've
+
+1815
+00:09:45,268 --> 00:09:45,528
+really
+
+1816
+00:09:45,528 --> 00:09:45,827
+just
+
+1817
+00:09:45,827 --> 00:09:46,048
+scratched
+
+1818
+00:09:46,048 --> 00:09:46,307
+the
+
+1819
+00:09:46,307 --> 00:09:46,587
+surface
+
+1820
+00:09:46,587 --> 00:09:46,908
+here.
+
+1821
+00:09:47,128 --> 00:09:47,307
+Right.
+
+1822
+00:09:47,327 --> 00:09:47,548
+This
+
+1823
+00:09:47,548 --> 00:09:47,748
+is
+
+1824
+00:09:47,748 --> 00:09:47,868
+true.
+
+1825
+00:09:48,008 --> 00:09:48,447
+We've
+
+1826
+00:09:48,447 --> 00:09:48,768
+given
+
+1827
+00:09:48,768 --> 00:09:49,067
+you
+
+1828
+00:09:49,067 --> 00:09:49,628
+the
+
+1829
+00:09:49,628 --> 00:09:49,628
+the
+
+1830
+00:09:49,628 --> 00:09:49,847
+lay
+
+1831
+00:09:49,847 --> 00:09:50,008
+of
+
+1832
+00:09:50,008 --> 00:09:50,128
+the
+
+1833
+00:09:50,128 --> 00:09:50,307
+land.
+
+1834
+00:09:51,107 --> 00:09:51,107
+To
+
+1835
+00:09:51,107 --> 00:09:51,447
+tools
+
+1836
+00:09:51,447 --> 00:09:51,988
+exactly.
+
+1837
+00:09:52,048 --> 00:09:52,467
+Yeah.
+
+1838
+00:09:52,628 --> 00:09:52,807
+But,
+
+1839
+00:09:52,807 --> 00:09:53,128
+you
+
+1840
+00:09:53,128 --> 00:09:53,307
+know,
+
+1841
+00:09:53,548 --> 00:09:54,248
+the
+
+1842
+00:09:54,248 --> 00:09:54,268
+the
+
+1843
+00:09:54,268 --> 00:09:54,567
+best
+
+1844
+00:09:54,567 --> 00:09:55,067
+investors.
+
+1845
+00:09:55,447 --> 00:09:55,748
+Right.
+
+1846
+00:09:55,868 --> 00:09:56,128
+They
+
+1847
+00:09:56,128 --> 00:09:56,268
+do
+
+1848
+00:09:56,268 --> 00:09:56,488
+their
+
+1849
+00:09:56,488 --> 00:09:56,648
+own
+
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+00:09:56,648 --> 00:09:56,988
+research
+
+1851
+00:09:56,988 --> 00:09:57,567
+too.
+
+1852
+00:09:57,668 --> 00:09:57,827
+They
+
+1853
+00:09:57,827 --> 00:09:57,988
+go
+
+1854
+00:09:57,988 --> 00:09:58,307
+out
+
+1855
+00:09:58,307 --> 00:09:58,508
+there.
+
+1856
+00:09:58,707 --> 00:09:58,947
+They
+
+1857
+00:09:58,947 --> 00:09:59,008
+they
+
+1858
+00:09:59,008 --> 00:09:59,187
+kick
+
+1859
+00:09:59,187 --> 00:09:59,368
+the
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+1860
+00:09:59,368 --> 00:09:59,628
+tires
+
+1861
+00:09:59,628 --> 00:09:59,847
+a
+
+1862
+00:09:59,847 --> 00:09:59,988
+little
+
+1863
+00:09:59,988 --> 00:10:00,508
+bit.
+
+1864
+00:10:00,707 --> 00:10:01,148
+Exactly.
+
+1865
+00:10:01,888 --> 00:10:01,967
+Exactly.
+
+1866
+00:10:02,148 --> 00:10:02,148
+Exactly.
+
+1867
+00:10:02,187 --> 00:10:02,467
+So
+
+1868
+00:10:02,467 --> 00:10:03,087
+I
+
+1869
+00:10:03,087 --> 00:10:03,307
+would
+
+1870
+00:10:03,307 --> 00:10:04,207
+say.
+
+1871
+00:10:04,207 --> 00:10:04,548
+You
+
+1872
+00:10:04,548 --> 00:10:05,048
+know,
+
+1873
+00:10:05,148 --> 00:10:05,368
+take
+
+1874
+00:10:05,368 --> 00:10:05,548
+what
+
+1875
+00:10:05,548 --> 00:10:05,827
+you've
+
+1876
+00:10:05,827 --> 00:10:05,947
+learned
+
+1877
+00:10:05,947 --> 00:10:06,187
+here
+
+1878
+00:10:06,187 --> 00:10:06,807
+today.
+
+1879
+00:10:07,128 --> 00:10:07,288
+Use
+
+1880
+00:10:07,288 --> 00:10:07,447
+it
+
+1881
+00:10:07,447 --> 00:10:07,628
+as
+
+1882
+00:10:07,628 --> 00:10:07,807
+a
+
+1883
+00:10:07,807 --> 00:10:07,967
+starting
+
+1884
+00:10:07,967 --> 00:10:08,307
+point
+
+1885
+00:10:08,307 --> 00:10:08,488
+as
+
+1886
+00:10:08,488 --> 00:10:08,648
+a
+
+1887
+00:10:08,648 --> 00:10:08,788
+starting
+
+1888
+00:10:08,788 --> 00:10:08,988
+point.
+
+1889
+00:10:09,148 --> 00:10:09,288
+Yeah.
+
+1890
+00:10:09,548 --> 00:10:09,687
+And
+
+1891
+00:10:09,687 --> 00:10:09,908
+then
+
+1892
+00:10:09,908 --> 00:10:10,128
+start
+
+1893
+00:10:10,128 --> 00:10:10,408
+digging
+
+1894
+00:10:10,408 --> 00:10:10,947
+into.
+
+1895
+00:10:11,148 --> 00:10:11,248
+Yeah.
+
+1896
+00:10:11,288 --> 00:10:11,368
+Cause
+
+1897
+00:10:11,368 --> 00:10:11,467
+we
+
+1898
+00:10:11,467 --> 00:10:11,607
+didn't
+
+1899
+00:10:11,607 --> 00:10:11,788
+even
+
+1900
+00:10:11,788 --> 00:10:11,947
+get
+
+1901
+00:10:11,947 --> 00:10:12,288
+into
+
+1902
+00:10:12,288 --> 00:10:12,628
+like.
+
+1903
+00:10:12,628 --> 00:10:12,908
+Yeah.
+
+1904
+00:10:12,908 --> 00:10:12,908
+Yeah.
+
+1905
+00:10:12,908 --> 00:10:12,908
+Yeah.
+
+1906
+00:10:12,908 --> 00:10:12,908
+Yeah.
+
+1907
+00:10:12,943 --> 00:10:13,423
+All
+
+1908
+00:10:13,423 --> 00:10:13,583
+the
+
+1909
+00:10:13,583 --> 00:10:13,803
+other
+
+1910
+00:10:13,803 --> 00:10:14,203
+factors.
+
+1911
+00:10:14,483 --> 00:10:14,583
+Right.
+
+1912
+00:10:14,863 --> 00:10:14,863
+Exactly.
+
+1913
+00:10:15,223 --> 00:10:15,343
+Like
+
+1914
+00:10:15,343 --> 00:10:15,783
+what's
+
+1915
+00:10:16,003 --> 00:10:16,144
+happening?
+
+1916
+00:10:16,163 --> 00:10:16,443
+The
+
+1917
+00:10:16,443 --> 00:10:17,183
+intrastrates
+
+1918
+00:10:17,183 --> 00:10:17,463
+the
+
+1919
+00:10:17,463 --> 00:10:18,003
+government
+
+1920
+00:10:18,003 --> 00:10:18,703
+policy.
+
+1921
+00:10:18,863 --> 00:10:19,144
+Yes.
+
+1922
+00:10:19,203 --> 00:10:19,423
+Exactly.
+
+1923
+00:10:20,003 --> 00:10:20,163
+The
+
+1924
+00:10:20,163 --> 00:10:20,524
+global
+
+1925
+00:10:20,524 --> 00:10:21,063
+economy.
+
+1926
+00:10:21,423 --> 00:10:21,524
+Like
+
+1927
+00:10:21,623 --> 00:10:21,623
+like.
+
+1928
+00:10:21,843 --> 00:10:21,843
+Because
+
+1929
+00:10:21,843 --> 00:10:22,144
+those
+
+1930
+00:10:22,144 --> 00:10:22,323
+all
+
+1931
+00:10:22,323 --> 00:10:22,543
+play
+
+1932
+00:10:22,543 --> 00:10:22,703
+a
+
+1933
+00:10:22,703 --> 00:10:22,884
+role
+
+1934
+00:10:22,884 --> 00:10:23,223
+too.
+
+1935
+00:10:23,303 --> 00:10:23,463
+You
+
+1936
+00:10:23,463 --> 00:10:23,743
+draw.
+
+1937
+00:10:24,003 --> 00:10:24,024
+Yeah.
+
+1938
+00:10:24,123 --> 00:10:24,303
+It's
+
+1939
+00:10:24,303 --> 00:10:24,443
+like.
+
+1940
+00:10:25,003 --> 00:10:25,203
+We've
+
+1941
+00:10:25,203 --> 00:10:25,363
+looked
+
+1942
+00:10:25,363 --> 00:10:25,563
+at
+
+1943
+00:10:25,563 --> 00:10:25,683
+the
+
+1944
+00:10:25,683 --> 00:10:26,024
+car.
+
+1945
+00:10:26,144 --> 00:10:26,403
+Right.
+
+1946
+00:10:26,483 --> 00:10:26,764
+We've
+
+1947
+00:10:26,764 --> 00:10:26,884
+looked
+
+1948
+00:10:26,884 --> 00:10:27,083
+at
+
+1949
+00:10:27,083 --> 00:10:27,223
+the
+
+1950
+00:10:27,223 --> 00:10:27,403
+road
+
+1951
+00:10:27,403 --> 00:10:27,623
+that's
+
+1952
+00:10:27,623 --> 00:10:27,803
+going
+
+1953
+00:10:27,803 --> 00:10:27,903
+to
+
+1954
+00:10:27,903 --> 00:10:28,144
+drive
+
+1955
+00:10:28,144 --> 00:10:28,483
+on.
+
+1956
+00:10:28,503 --> 00:10:28,703
+Yeah.
+
+1957
+00:10:28,783 --> 00:10:29,103
+But
+
+1958
+00:10:29,103 --> 00:10:29,363
+what's
+
+1959
+00:10:29,363 --> 00:10:29,483
+the
+
+1960
+00:10:29,483 --> 00:10:29,723
+weather
+
+1961
+00:10:29,723 --> 00:10:30,024
+like?
+
+1962
+00:10:30,043 --> 00:10:30,323
+Right.
+
+1963
+00:10:30,323 --> 00:10:30,503
+Is
+
+1964
+00:10:30,503 --> 00:10:30,703
+there
+
+1965
+00:10:30,703 --> 00:10:30,884
+a
+
+1966
+00:10:30,884 --> 00:10:31,223
+thunderstorm
+
+1967
+00:10:31,223 --> 00:10:31,663
+coming?
+
+1968
+00:10:31,843 --> 00:10:32,243
+Exactly.
+
+1969
+00:10:32,543 --> 00:10:32,783
+Exactly.
+
+1970
+00:10:32,923 --> 00:10:32,923
+Exactly.
+
+1971
+00:10:33,003 --> 00:10:33,003
+Exactly.
+
+1972
+00:10:33,003 --> 00:10:33,123
+Do
+
+1973
+00:10:33,123 --> 00:10:33,323
+we
+
+1974
+00:10:33,323 --> 00:10:33,743
+need
+
+1975
+00:10:33,743 --> 00:10:33,963
+to
+
+1976
+00:10:33,963 --> 00:10:34,243
+pack
+
+1977
+00:10:34,243 --> 00:10:34,384
+an
+
+1978
+00:10:34,384 --> 00:10:34,743
+umbrella?
+
+1979
+00:10:35,163 --> 00:10:35,384
+Yeah.
+
+1980
+00:10:35,563 --> 00:10:35,783
+That's
+
+1981
+00:10:35,783 --> 00:10:35,903
+a
+
+1982
+00:10:35,903 --> 00:10:36,003
+great
+
+1983
+00:10:36,003 --> 00:10:36,083
+way
+
+1984
+00:10:36,083 --> 00:10:36,183
+to
+
+1985
+00:10:36,183 --> 00:10:36,303
+put
+
+1986
+00:10:36,303 --> 00:10:36,503
+it.
+
+1987
+00:10:36,644 --> 00:10:36,644
+Yeah.
+
+1988
+00:10:36,743 --> 00:10:36,983
+All
+
+1989
+00:10:36,983 --> 00:10:37,103
+right.
+
+1990
+00:10:37,283 --> 00:10:37,623
+So
+
+1991
+00:10:37,623 --> 00:10:37,903
+to
+
+1992
+00:10:37,903 --> 00:10:38,024
+our
+
+1993
+00:10:38,024 --> 00:10:38,343
+listeners
+
+1994
+00:10:38,343 --> 00:10:38,683
+out
+
+1995
+00:10:38,683 --> 00:10:39,163
+there.
+
+1996
+00:10:39,203 --> 00:10:39,583
+Yes.
+
+1997
+00:10:39,843 --> 00:10:40,083
+Think
+
+1998
+00:10:40,083 --> 00:10:40,283
+of
+
+1999
+00:10:40,283 --> 00:10:40,443
+this
+
+2000
+00:10:40,443 --> 00:10:40,764
+as
+
+2001
+00:10:40,764 --> 00:10:41,683
+your
+
+2002
+00:10:41,683 --> 00:10:41,884
+your
+
+2003
+00:10:41,884 --> 00:10:42,183
+jumping
+
+2004
+00:10:42,183 --> 00:10:42,543
+off
+
+2005
+00:10:42,543 --> 00:10:42,843
+point.
+
+2006
+00:10:42,843 --> 00:10:42,923
+[MUSIC
+
+2007
+00:10:42,923 --> 00:10:42,923
+PLAYING]
+
+2008
+00:10:42,960 --> 00:10:43,200
+I
+
+2009
+00:10:43,200 --> 00:10:43,379
+love
+
+2010
+00:10:43,379 --> 00:10:43,960
+it.
+
+2011
+00:10:44,040 --> 00:10:44,280
+We've
+
+2012
+00:10:44,280 --> 00:10:44,379
+given
+
+2013
+00:10:44,379 --> 00:10:44,540
+you
+
+2014
+00:10:44,540 --> 00:10:44,660
+the
+
+2015
+00:10:44,660 --> 00:10:45,139
+information.
+
+2016
+00:10:45,660 --> 00:10:45,680
+Yes.
+
+2017
+00:10:45,800 --> 00:10:45,900
+Now
+
+2018
+00:10:45,900 --> 00:10:46,040
+go
+
+2019
+00:10:46,220 --> 00:10:46,220
+out
+
+2020
+00:10:46,220 --> 00:10:46,320
+into
+
+2021
+00:10:46,320 --> 00:10:46,519
+your
+
+2022
+00:10:46,519 --> 00:10:46,660
+own
+
+2023
+00:10:46,660 --> 00:10:47,060
+research.
+
+2024
+00:10:47,280 --> 00:10:47,480
+Make
+
+2025
+00:10:47,480 --> 00:10:47,820
+those
+
+2026
+00:10:47,820 --> 00:10:48,040
+data
+
+2027
+00:10:48,040 --> 00:10:48,320
+driven
+
+2028
+00:10:48,320 --> 00:10:48,940
+decisions.
+
+2029
+00:10:49,480 --> 00:10:49,840
+Exactly.
+
+2030
+00:10:50,019 --> 00:10:50,040
+And
+
+2031
+00:10:50,040 --> 00:10:50,259
+speaking
+
+2032
+00:10:50,259 --> 00:10:50,540
+of
+
+2033
+00:10:50,540 --> 00:10:50,879
+data.
+
+2034
+00:10:51,500 --> 00:10:51,800
+Yes.
+
+2035
+00:10:51,960 --> 00:10:52,040
+We
+
+2036
+00:10:52,040 --> 00:10:52,220
+got
+
+2037
+00:10:52,220 --> 00:10:52,280
+to
+
+2038
+00:10:52,280 --> 00:10:52,460
+give
+
+2039
+00:10:52,460 --> 00:10:52,600
+a
+
+2040
+00:10:52,600 --> 00:10:52,820
+big
+
+2041
+00:10:52,820 --> 00:10:53,200
+thank
+
+2042
+00:10:53,200 --> 00:10:53,540
+you
+
+2043
+00:10:53,540 --> 00:10:53,840
+to
+
+2044
+00:10:53,840 --> 00:10:54,060
+our
+
+2045
+00:10:54,060 --> 00:10:54,480
+sponsor.
+
+2046
+00:10:54,660 --> 00:10:54,700
+Of
+
+2047
+00:10:54,700 --> 00:10:55,180
+course.
+
+2048
+00:10:55,620 --> 00:10:55,660
+Yes.
+
+2049
+00:10:55,800 --> 00:10:55,920
+Because
+
+2050
+00:10:55,920 --> 00:10:56,519
+ndrequants.
+
+2051
+00:10:56,680 --> 00:10:57,120
+For
+
+2052
+00:10:57,120 --> 00:10:57,460
+for
+
+2053
+00:10:57,460 --> 00:10:57,780
+making
+
+2054
+00:10:57,780 --> 00:10:58,160
+this
+
+2055
+00:10:58,160 --> 00:10:58,400
+deep
+
+2056
+00:10:58,400 --> 00:10:58,800
+dive
+
+2057
+00:10:58,800 --> 00:10:59,400
+possible.
+
+2058
+00:10:59,480 --> 00:10:59,720
+Couldn't
+
+2059
+00:10:59,720 --> 00:10:59,879
+do
+
+2060
+00:10:59,879 --> 00:11:00,000
+it
+
+2061
+00:11:00,000 --> 00:11:00,180
+without
+
+2062
+00:11:00,180 --> 00:11:00,420
+him.
+
+2063
+00:11:00,580 --> 00:11:00,600
+So
+
+2064
+00:11:00,600 --> 00:11:00,800
+thank
+
+2065
+00:11:00,900 --> 00:11:00,900
+you
+
+2066
+00:11:00,900 --> 00:11:01,720
+ndrequants.
+
+2067
+00:11:01,720 --> 00:11:01,940
+Go
+
+2068
+00:11:01,940 --> 00:11:02,139
+check
+
+2069
+00:11:02,139 --> 00:11:02,400
+them
+
+2070
+00:11:02,400 --> 00:11:02,639
+out.
+
+2071
+00:11:02,660 --> 00:11:02,960
+Yes.
+
+2072
+00:11:02,960 --> 00:11:03,139
+For
+
+2073
+00:11:03,139 --> 00:11:03,340
+all
+
+2074
+00:11:03,340 --> 00:11:03,840
+your
+
+2075
+00:11:03,840 --> 00:11:04,139
+your
+
+2076
+00:11:04,139 --> 00:11:04,420
+data
+
+2077
+00:11:04,420 --> 00:11:04,900
+needs.
+
+2078
+00:11:04,920 --> 00:11:05,139
+All
+
+2079
+00:11:05,139 --> 00:11:05,360
+your
+
+2080
+00:11:05,360 --> 00:11:05,560
+data
+
+2081
+00:11:05,560 --> 00:11:05,860
+needs.
+
+2082
+00:11:06,100 --> 00:11:06,160
+Yeah.
+
+2083
+00:11:06,200 --> 00:11:06,379
+They're
+
+2084
+00:11:06,379 --> 00:11:06,759
+fantastic.
+
+2085
+00:11:07,080 --> 00:11:07,180
+They're
+
+2086
+00:11:07,180 --> 00:11:07,280
+the
+
+2087
+00:11:07,280 --> 00:11:07,600
+best.
+
+2088
+00:11:07,824 --> 00:11:08,084
+The
+
+2089
+00:11:08,084 --> 00:11:08,624
+best.
+
+2090
+00:11:09,004 --> 00:11:09,064
+All
+
+2091
+00:11:09,064 --> 00:11:09,204
+right.
+
+2092
+00:11:09,344 --> 00:11:09,504
+We'll
+
+2093
+00:11:09,504 --> 00:11:09,744
+on
+
+2094
+00:11:09,744 --> 00:11:09,964
+that
+
+2095
+00:11:09,964 --> 00:11:10,284
+note.
+
+2096
+00:11:10,284 --> 00:11:10,664
+Yeah.
+
+2097
+00:11:10,664 --> 00:11:10,804
+I
+
+2098
+00:11:10,804 --> 00:11:11,004
+think
+
+2099
+00:11:11,004 --> 00:11:11,364
+we've
+
+2100
+00:11:11,364 --> 00:11:11,624
+reached
+
+2101
+00:11:11,624 --> 00:11:11,884
+the
+
+2102
+00:11:11,884 --> 00:11:12,044
+end
+
+2103
+00:11:12,044 --> 00:11:12,224
+of
+
+2104
+00:11:12,224 --> 00:11:12,644
+our
+
+2105
+00:11:12,644 --> 00:11:12,964
+our
+
+2106
+00:11:12,964 --> 00:11:13,144
+deep
+
+2107
+00:11:13,144 --> 00:11:13,544
+dive
+
+2108
+00:11:13,544 --> 00:11:14,084
+into
+
+2109
+00:11:14,084 --> 00:11:14,924
+Nmb
+
+2110
+00:11:14,924 --> 00:11:15,264
+and
+
+2111
+00:11:15,264 --> 00:11:16,244
+CRDB.
+
+2112
+00:11:16,344 --> 00:11:16,484
+It
+
+2113
+00:11:16,484 --> 00:11:17,544
+has.
+
+2114
+00:11:17,644 --> 00:11:17,844
+It
+
+2115
+00:11:17,844 --> 00:11:18,004
+has.
+
+2116
+00:11:18,204 --> 00:11:18,224
+I've
+
+2117
+00:11:18,224 --> 00:11:18,364
+learned
+
+2118
+00:11:18,364 --> 00:11:18,544
+a
+
+2119
+00:11:18,544 --> 00:11:18,824
+lot.
+
+2120
+00:11:18,924 --> 00:11:19,104
+Me
+
+2121
+00:11:19,104 --> 00:11:19,384
+too.
+
+2122
+00:11:19,564 --> 00:11:19,584
+So
+
+2123
+00:11:19,584 --> 00:11:19,724
+until
+
+2124
+00:11:19,724 --> 00:11:19,924
+next
+
+2125
+00:11:19,924 --> 00:11:20,284
+time.
+
+2126
+00:11:20,404 --> 00:11:20,624
+Happy
+
+2127
+00:11:20,624 --> 00:11:21,044
+investing.
+
+2128
+00:11:21,124 --> 00:11:21,424
+Happy
+
+2129
+00:11:21,424 --> 00:11:21,884
+investing
+
+2130
+00:11:21,884 --> 00:11:22,304
+everyone.