Latest / The Curve / RTC43: How to avoid paying $1300 a year of pink tax!

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RTC43: How to avoid paying $1300 a year of pink tax! · The Curve

• 0:00
  Welcome to the Curve Podcast, a conversation for women who want to learn more about money,
• 0:06
  their money for the future they want to have. We're all busy in the pursuit for financial
• 0:11
  confidence and increasing your wealth should be a simple one. This podcast is for women to learn
• 0:17
  about investing in a non-scary or intimidating way. With short episodes you'll have time to learn,
• 0:23
  digest and understand everything to do with the world of investing. So thank you for being here
• 0:29
  and for listening. Because together we really can raise the curve.
• 0:34
  Hello Sophie. Good morning. Good evening. Oh good evening. Good morning. Good morning.
• 0:38
  Good morning. I was like, we're on a radio show. Hello, listeners. Good evening.
• 0:44
  Good morning. Welcome. It's quite funny. So maybe I've run London and Vick being in Auckland,
• 0:51
  obviously. I was like, it's going to be easy breezy. So fine. Record remotely.
• 0:58
  It turns out I am not particularly technical because it's taken me an hour and a half to set up
• 1:03
  the studio this morning. Oh gosh. How is everything? How is life? Life is great. Life is great.
• 1:12
  It's the sun is shining. Being to Pilates this morning. Life is great.
• 1:18
  I'm going to have you to hear it. The dog is bloody going in front of the background.
• 1:24
  I swear there's a dead person at the back of my property because she always stands at the back of
• 1:28
  the property and just barks her head off. And I'm like, what is going on? But she just isn't to
• 1:35
  know where and just barks, isn't she? She's either got a bit of a, um, uh, sculose or... I reckon it's
• 1:41
  that to be totally honest with you. Oh no. I love me so, but she, she is an interesting character.
• 1:48
  She's just friendly. She's just constantly saying hi to nothing. So content. So this episode,
• 1:57
  I'm going to try and make it not too depressing. But we are going to talk about pink tags. And
• 2:04
  the reason we're talking about this is that there was a company recently called CVS, which
• 2:11
  announced that it was going to remove this pink tags from a whole lot of feminine and menstrual
• 2:17
  products. And it's one of the largest US pharmacy chains. And it really got me thinking and I was
• 2:23
  just doing some research on this. And I guess I didn't really comprehend how widespread and how
• 2:31
  much of an actual thing this was. It's so fun to say that because I'm the same. Like I've been
• 2:36
  ever since we posted about it on Instagram. And we literally, we literally shared a bunch of
• 2:41
  screenshot examples. It was things like, you know, um, might attend has the same gardening tools
• 2:48
  for men and women and they're twice the price for women. And I was scrolling through these examples
• 2:52
  and then heaps of people from Instagram said sending in their examples. And I was
• 2:57
  bad thought. And, and someone actually messaged Justin saying, um, I clicked no to the poll,
• 3:04
  saying in terms of like, have you seen pink tags anywhere? And then she replied saying,
• 3:09
  then I said, I've seen all the examples and had this revelation that it's everywhere and I'm
• 3:13
  just completely immune to it. And I was like, same to be honest, you kind of just like, like, it's
• 3:17
  just normal for me to have to pay $140 for a haircut when it costs a guy to $10. I don't think
• 3:23
  about how incredibly messed up that is until this conversation kind of got me down a rabbit hole.
• 3:29
  And I was like, hold on a second. It's, it's crazy. And so it did some digging around, you know,
• 3:35
  so for those people who don't know, it's not actually a tax. So it's, it's effectively just
• 3:39
  gendered pricing. So it's a price for all the pink items or the floral items or the glittery items.
• 3:46
  And then there's usually a lower price for the black, the blue, they're really kind of monotone
• 3:52
  boring masculine looking products. And it's, it's, it's come about because the rest, the rationale
• 4:01
  justification is that women, I guess, more likely to pay up for something that looks nice or
• 4:07
  gives them that kind of that extra satisfaction or, you know, they pay up for quality kind of,
• 4:14
  is kind of the justification for it. But is that saying? So let's take the minor 10
• 4:21
  gardening tools as an example. So are they trying to say that it costs more to make them pink
• 4:27
  in color opposed to black? Is that kind of the other? No, no, exactly the same product. Exactly,
• 4:33
  exactly the same. No, they're saying that we'll be like, oh no, I want the, the prettier one or
• 4:38
  I want the one that's, that looks, that looks better and I'm willing to pay up for it. Whereas
• 4:43
  men will just be like, you know what, it does it's trick. Like, it's a practical tool. I'm just
• 4:48
  going to buy it. And we're, it comes, it's probably better example in like t-shirts, you know,
• 4:53
  like a pink t-shirt versus a blue t-shirt, that kind of thing. We're like, oh, I want the one
• 4:56
  with the, you know, that looks, that looks better and I'm willing to pay up for that because I'm more
• 5:03
  conscious about how I look and how, you know, like all those kind of things. And it's just so stupid
• 5:07
  when, when you think about two razors, a pink razor and a blue razor, they're doing exactly
• 5:12
  the same thing. It doesn't really matter what color they are and it doesn't cost anymore.
• 5:16
  I'm confused still because you're essentially saying it has nothing to do with the quality of
• 5:20
  the product, right? Is it just the psychology that they can make women, that women will pay more?
• 5:26
  It's nothing to do with the fact that like the gardening tools or the t-shirt are any better
• 5:30
  because they're pink or blue. No, I mean, you make a huge generalisation here, like, yeah,
• 5:36
  no, of course, I mean, this entire conversation. Yeah. No, it's very much, that's the whole idea
• 5:43
  is that it's literally just a text because the product is pink. So a blue razor and a pink razor
• 5:49
  are not the same price yet. They do exactly the same functions. They do exactly the same thing.
• 5:54
  They shave, hear off our legs or wherever and yet we have to pay more because it's pink and that's
• 6:01
  the only difference. And oh my god. So frustrating because no, no, it's not even frustrating. I want
• 6:09
  to swear that is absolutely barked. Like that is so shit in so many ways. I'm just so confused.
• 6:18
  I really don't understand why we pay for it. Like, can we strike? Like, there's,
• 6:23
  there've been all these strikes over here in London for all the rail workers. Let's just strike and
• 6:27
  stop buying pink stuff. Yeah, well, that's what we can do. We can go, you know what, I don't need a
• 6:32
  pink razor. I can gladly use a blue one or a gray one that does exactly the same thing.
• 6:37
  But I remember when I was younger and I was shopping with my mom and I wanted the pink
• 6:41
  deodorums. And she was like, no, you can get this one. This is cheaper. And I was like,
• 6:45
  ooh, mom, it's a male's one. And it's probably exactly the same one. You know, exactly the same
• 6:50
  formulation. And like it was shampoo. It was probably exactly the same formulation yet
• 6:56
  ones pink, ones blue. And therefore we have to pay more. And it sucks because not only do we get
• 7:01
  paid less. The gender pay gap is 9% in New Zealand. It's about 13% in Australia. And not only do we get
• 7:10
  paid less, but we get charged more for items that we have to buy like tampons, feminine products,
• 7:19
  pads, all that kind of stuff that we literally have to buy. We cannot live without them. And
• 7:26
  therefore, yes, there's alternatives like menstrual cups and all that, but I'm talking generally,
• 7:31
  these are products that we have to buy on a regular basis. And we have to pay up for them. There's
• 7:37
  there's no alternative. And it's so frustrating that there isn't someone out there
• 7:43
  campaigning on our behalf. And so that's why it's really, really good to see this company CVS
• 7:49
  actually make a stance and say, you know what? This is unfair. We're going to drop the prices
• 7:55
  of all our menstrual products by 25% and remove that so-called pink tax, which is so good to see.
• 8:02
  And I hope, but I'm not holding my breath, that it leads to a whole lot of other companies
• 8:08
  doing the same thing. A whole lot of other pharmaceutical supermarket companies that actually
• 8:13
  stand up and go, you know what? We're going to join the movement as well. So he's hoping.
• 8:18
  I'm glad that this company's jumped on board and decided to even out the pricing. But
• 8:25
  why the hell is it not everywhere else? I sent a DM on Instagram to my attend back to the
• 8:34
  back about these gardening tools. I was like, hi there, we're just like an explanation as to why
• 8:39
  the female tools are more expensive than the males and they've seen it and not replied.
• 8:43
  I'm just confused. On Amazon, there was the basketball set, which was like $35,
• 8:50
  a blue basketball set, and then there was a pink one, which was $70. It was exactly the same
• 8:55
  product and it was double the price. Not only a slight increase, it was like double the price.
• 9:01
  And in the US, they're saying that, you know, the difference between pink and blue clothes is
• 9:07
  usually about kind of about 10 percent. They've done a study on it. So it's just 10 percent more
• 9:12
  expensive to the consumer as females. And then personal care products are about 13 percent more
• 9:19
  expensive. So there's been studies on this and they've found there's an actual difference.
• 9:23
  But that 50 percent difference of that basketball set, like that's absolutely nuts. And I'm surprised
• 9:28
  people don't complain and I'm surprised people don't, what are people probably do? Amazon's like,
• 9:32
  caring, you're like such a fool. No, we need to complain. Oh, totally. And it's like, that's the power.
• 9:38
  That's the power of being a shareholder and being an investor is that you can voice your opinion.
• 9:44
  You can be like, this is not okay with me. And this is kind of, this is an interesting
• 9:49
  discussion actually, is that do you invest in a company that does this and you try and get in front
• 9:56
  of, you know, and you become an active shareholder and go, you know what, I'm really not happy with
• 10:01
  how you do things or do you support the likes of CVS and invest in companies that are proactively
• 10:09
  removing this? You know, and that's the kind of the argument with investing is that you can do both.
• 10:14
  You can invest in something and try and bring about change or you can support companies that are
• 10:21
  already doing good. And that's what I do every day is kind of with my fund is a bit of both.
• 10:27
  And so it's really interesting dynamic. You know, you can invest in different ways.
• 10:31
  What about your personal investments though? Like, you invest in Amazon. Do you think, well,
• 10:36
  after this, will you email them or do something about the pink tax? Like, will you actively try and
• 10:41
  like say something? Yeah, definitely. Now that it's been bought to my attention, whether it will
• 10:47
  move the needle, probably not because I'm going to be like a point one, one point zero, zero, zero, zero,
• 10:52
  zero percent, she'll hold it. But if more people voice it and even this being in the news with CVS
• 11:00
  and all this, you know, bringing it to light, then hopefully, I just think we have to be
• 11:08
  Karen's at this point. Yeah, definitely. It's time to put on your Karen hat girls. It's time.
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  It's time to complain like a motherfucker. I am here for it. Speaking of Karen's CEO of CVS
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  is called Karen. Is she? What do I find that so funny? She's the first Karen. I love that she
• 11:33
  is a CEO and she is she's a female CEO and she's like, you know what? This is a company that I'm
• 11:39
  running and why the fuck is it? Is it charging women more when I'm a woman myself? And, you know,
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  like, I feel like I don't want to say this, but if it was a different gender CEO, maybe this change
• 11:51
  may not have come about. So, yeah, hats off to, this is why we need more females and senior roles
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  and like leading companies like this and, you know, thinking about both the genders and yeah,
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  I just think it's, I think it's great and, you know, it's going to be a huge house,
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  especially in today's environment, when everything is so much more expensive. We've got inflation
• 12:14
  at 40 year highs. We've got 10% in the UK, 8% in the US, 7% in New Zealand, like, and then you add
• 12:22
  on another extra, I don't know, 10 to 15% for products that we as females just have to buy.
• 12:29
  It sucks and it's like, it eats away. Does this like feed into other products? So, like,
• 12:35
  obviously, personal hygiene, you know, stuff that we have to buy, there's that. Yeah. Does it feed
• 12:41
  into all, all areas of consumerism? Well, I guess the obvious ones are personal care products,
• 12:50
  toys, like we've mentioned, clothing, earcats is another one, like, services,
• 12:59
  I don't know, I'd be interested to see what people, you know, how widespread it is and how people
• 13:04
  in their day-to-day lives notice it. Earcats is an interesting one because you could justify,
• 13:09
  well, when you have shorter hair, women have longer hair, or, you know, hold on, I need to stop
• 13:13
  you there. No, no, no, no. Okay, so in the co-working space that I'm working at, I was looking at
• 13:19
  this haircut and I thought, that is very complex. Like, there's a lot of shaving at the back,
• 13:24
  we've got short sides, we've got a long thing, all I want is just to snip across the bottom.
• 13:30
  I just want a trim straight across, very simple, very hard to mess it up. This dude's got long back
• 13:37
  sides fluffy, this shaved there and he's getting charged half price. I'm like, surely it takes more
• 13:44
  technique and time to cut that hairdo than it does mine. So, no, I have no time for short
• 13:53
  this long. Also, many women have short hair and men have long hair, a lot of men have long hair
• 13:59
  as well, so yeah, actually. But how bad is that? That's, that's me just justifying.
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  They're like, oh, but, you know, maybe there is a justification, you know, that's such a female
• 14:09
  thing to do as well. You know what, we'll just pay the extra because maybe it does cost more to make
• 14:15
  pink razors than blue razors. Also, I will always be here to call you out, just so you know,
• 14:21
  even if you fall into that habit there, I am right here to push you back into being
• 14:26
  experienced. Don't you worry. But I guess kind of why we're having this conversation and I think
• 14:33
  it's all around just, you know, we're in a pretty tough economic environment. Everything's getting
• 14:39
  expensive and so it's kind of just being a conscious consumer and being like, hey, do I actually
• 14:47
  need to pay up for that item, which is exactly the same as this other item, particularly in this
• 14:52
  current environment or, you know, is this a great way that I can actually save some money by not
• 14:58
  by not paying that extra for that pink razor or that or that. And it's just about creating awareness
• 15:04
  really. And finally, it's also about creating awareness of companies that you want to support and
• 15:11
  you want to see do well. And CVS, actually, its share price has done, it's up 8% of the last 12
• 15:19
  months in the markets down 20%. So this goes to show that there is actually validation and companies that
• 15:29
  thinking of the whole space, do you know what I mean? They're thinking a bit more holistically,
• 15:34
  they're thinking because this is going to be, this is going to cut their revenue. This is going
• 15:38
  to lead to an impact, they're revenue. So can we talk about the company itself? So it's a pharmaceutical
• 15:44
  company, right? Yep. It's the largest pharmaceutical company in the US. And so what are the
• 15:49
  products as it's selling? Like it's, as it got everything. It's like the one of the biggest,
• 15:54
  it's like a pharmacy, sells everything. Drug, sales, vitamin, sales, bandaid, sales. I think
• 16:01
  what else is in a pharmacy? No, it's fine. I know what a pharmacy is. Sales, sales,
• 16:07
  wart cream. So if it's getting her walk. Oh my god, that's enough today. That's the last time
• 16:13
  I tell you anything that I don't want to be on the podcast. So no, this is all about being open,
• 16:21
  normal, and when are we, you know, we're trying to be as authentic as possible here. I feel like
• 16:26
  I know. But you know, if everyone has warts everywhere, it's not a big deal. What if they were
• 16:30
  genital warts, you know, if they were genital warts, of course, I would just probably be a little
• 16:35
  bit more sensitive, but they're not right. They are not, you just want to use it. My dating life would
• 16:45
  be like, it's already is like that. So I kind of got nothing to lose. Oh my god, we're getting so
• 16:58
  excited. I do not have genital warts. Oh my god, we're going down a fucking rabbit hole.
• 17:07
  Okay, sorry. Okay. Okay. Okay. So they are just pharmacy chain in the US. They sell everything.
• 17:16
  If you're in the US, you probably see it on kind of every corner. They are every time I
• 17:22
  think to the US, they're kind of everywhere. And they sell everything. It's like a booths in
• 17:26
  London, you know, they're massive. And so they are publicly listed, obviously, because they share
• 17:33
  prices gone up 8% as you said. Have they, what else about the company is worth knowing? Like,
• 17:39
  is it, I don't know, have you looked under the hood at other things? Like why else would the
• 17:43
  share price have been increasing? Well, I think it's also because it's a very defensive business.
• 17:47
  So if you think, you know, in this current environment, uh, we're still going to shop at the
• 17:52
  pharmacy. We're still going to go and buy those, those products that we need. And a pharmacy,
• 17:56
  a supermarket, um, companies that sell those essential necessities are very defensive. And so
• 18:04
  that's kind of why they've, they've been doing well lately. So like, we're talking about Johnson
• 18:08
  and Johnson, very similar, very defensive. If the price of band-aids goes up 10%, we're still
• 18:16
  going to have to go buy some band-aids. Not if they're pink ones though. Not if they're pink ones.
• 18:21
  So this is why these companies type of companies, these defensive companies do well when the world's
• 18:27
  kind of not doing well is because it's kind of like Costco where it's like, it's got to sell
• 18:31
  everything like all the necessities. It's like a supermarket essentially. Yes, yeah. And that's why
• 18:37
  these kind of companies do well or do better relatively than maybe say, uh, an apparel retailer
• 18:46
  or a company that sells clothes because if I'm thinking about my situation, I'm like, oh gosh,
• 18:51
  everything's getting so expensive. I'm not going to go buy that tree. So I'm not going to go
• 18:54
  buy those shoes. But hey, I still don't need to go buy some hand at all because they've got a
• 18:57
  headache. And you know, so it's kind of, you start making those decisions that I want. Yeah,
• 19:03
  it's needs a wants great, great explanation. So they've decided to cut the prices of these
• 19:11
  products. And the thing is this is going to be, this is going to impact, they haven't quantified
• 19:17
  the impact on their revenue. But if you're cutting the price of these products, you are cutting
• 19:24
  your revenue. And so this should be taken as a negative really from a investor's point of
• 19:30
  view. But then on the flip side, investors can now see, you know, companies that do this are
• 19:37
  actually helping themselves in the long run. And it's more beneficial in the long run because
• 19:42
  people will go and shop at CVS now or women will go shop at CVS now because those products
• 19:48
  cheaper. So you kind of get this, this decrease in price. But what they're probably
• 19:52
  expecting is you're going to get this increase in volume. I think it's so clever from them.
• 19:57
  Yeah, I agree. So we had a DM in our Instagram come through and it was a girl who got her boyfriend
• 20:03
  to buy some tampons. And he was like, whoa, I can't believe how expensive these things are. And you
• 20:08
  guys have to buy them on a monthly basis. And she's like, yes, I know. It was quite, yeah,
• 20:15
  this pink tax can actually cost you about $1300 annually, just that paying that extra
• 20:21
  on those products on a regular basis. So it can actually have quite a big impact. Hold on.
• 20:28
  How much did you say? $1300 annually. And so you take that, you compound that over how many years
• 20:37
  you're going to be using these menstrual products or feminine products. That's a lot of money.
• 20:40
  That is a lot of money. So what do we do about this, Vic? Save the world. Do something.
• 20:46
  I know. But one way is to support companies like this. Support companies that are doing these
• 20:55
  things because then that will make other companies that aren't, they're like, oh shit,
• 21:00
  this share price is actually doing really well because of whatever this, if you think it's a PR
• 21:04
  stunt or you know, but because they have cut products on, because they have cut prices on these
• 21:11
  products, they've actually got a lot of support from consumers, from investors, and they're
• 21:18
  actually going to be a bigger and better company. Then you're going to see other companies follow
• 21:21
  suit and then hopefully we won't be having this conversation. And just clarifying, do you think
• 21:28
  that they would be removing pink tax from other stuff or that they have just haven't come out
• 21:33
  and said anything on that yet? You would assume if they're trying to claim that they were
• 21:39
  removing pink tax, that they would be removing pink tax from all product. It would be a PR
• 21:44
  disaster if they just reduced the price and paid the pink tax on menstrual items and then not
• 21:51
  others. Not that's right. It would be, it's kind of your coming out with the stance that we
• 21:57
  want equality for women and then you're not doing it across the board. So I mean, I don't want to
• 22:04
  assumptions, but I would assume that they wouldn't. But it's also like, this is a company that's
• 22:09
  trying to do a good thing. And we say, I'm not trying to shit all over it. I'm just, I think it's
• 22:15
  more just a bigger picture. I'm like, it's great at doing this. We see it a lot with companies,
• 22:21
  with public companies, is that like this, for example, they're trying to do their, they're taking
• 22:26
  a stance and going, you know what, we're going to pay the tax in certain states and we're going to
• 22:29
  reduce the prices on menstrual products. And then there will be people that are like, well,
• 22:34
  hang on a second, but why on eBay, this amount or why not all products? And it's like, you know,
• 22:40
  why aren't you beating up the other companies who are doing absolutely nothing? It's just because
• 22:46
  this company has come out and said that they're going to do this, that, you know, it's like everyone's
• 22:51
  trying to do that bit and to become a better, a better company. And then we said all the time
• 22:55
  with companies that are like, you know what, we are going to invest in people and we're going to pay
• 23:01
  our staff, you know, a 10% salary across the board or give them a one-off bonus because times
• 23:07
  are tough right now. And then there'll be someone or some invested, it'll be like, but hang on,
• 23:12
  what about the fact that you are paying them, you haven't paid them a bonus previously or you're
• 23:21
  actually some of your products are actually having a bad impact on the environment. And so it's
• 23:27
  just kind of like, it's, and it comes back to people as well. Sometimes everyone's just trying to
• 23:32
  do their best, you know, it's like, I might use my keep cup, but then I might drive a petrol car
• 23:40
  and, you know, I'm still trying to do it, but I don't know, it's like sometimes in this day and
• 23:45
  I actually do give people and companies a lot of stick. Yeah, I don't know, it's just like,
• 23:53
  but I do think that the argument there though is that the other companies that are doing nothing,
• 23:58
  it's not to say we shouldn't go after them, but they're also not coming out pretending,
• 24:03
  not pretending, sorry, that's what it meant, but they're not coming out trying to say we're on
• 24:08
  woman's side, we're doing this for the planet, whatever, you know, so like that is the difference,
• 24:12
  it's when someone is trying to outwardly look like they're doing something, but they're only
• 24:18
  half doing it. And so I think there's, I fully am on board with that in terms of like, you know,
• 24:24
  say there's one company that does absolutely shit all for the pink tax, and it's pink tax,
• 24:29
  pink tax, absolutely everywhere, like, but they're not trying to claim to be getting rid of that,
• 24:35
  so it's kind of like, you know, and actually I think I think actually having people come out and
• 24:41
  be like, well, hold on, the rest of your stuff isn't, it's just continuing that conversation
• 24:46
  to push all companies to do it, do you know what I mean? Like that outrage I think is important
• 24:51
  to actually create change. And it's really good to, you know, for companies to show transparency,
• 25:00
  it's like, okay, well, how many products and does pink tax exist on the rest of your products?
• 25:06
  And, you know, what is the dollar cost saving that people are going to have from this? And,
• 25:10
  you know, really coming out with like, with that transparency around, okay, how far reaching
• 25:16
  is this pink tax reduction that you're putting on? And it's also really important, like you say,
• 25:24
  to, you know, companies will do this as a PR, PR play, and that's the hardest thing as an investor
• 25:31
  is to figure out which companies are doing, that's essentially greenwashing, which companies
• 25:37
  are saying they're going out and doing good things, and which companies are actually doing those
• 25:41
  good things. Imagine if pink tax becomes like pinkwashing, like imagine if we were like, oh well,
• 25:48
  CVV or whatever it's called is actually pinkwashing because they're, sorry, CVV. So, okay, so essentially,
• 25:57
  this particular company is trying to close the gap, raise the gap, not pickwash, what if we want
• 26:03
  to call it. And we're hoping that by them doing this, that it will start to ripple effect across
• 26:12
  other companies, other industries, so that eventually there is no such thing as pink tax.
• 26:16
  Yes, and we won't be talking about this. And this company is, you know, this is a great example
• 26:23
  of a company that is doing good, or kind of a good, responsible company that a lot of people
• 26:31
  will want to support an investor now because of this, because of this initiative that they're doing.
• 26:36
  So it's looking, it's looking at more than just the numbers, you know, what a company's actually
• 26:41
  doing that is, you know, beyond growing revenue and growing earnings that makes you want to
• 26:48
  support them and invest in them. And this is one of those things. Amazing. Okay, no more pink tax,
• 26:54
  everyone, no buying pink raises, no buying anything that's looking feminine and more expensive,
• 27:01
  just because it looks pretty, well, I mean, you can do it. And we want to go, we want to see
• 27:07
  all your blue raises, your blue toothbrushes, your blue shampoo bottles. Oh my gosh, can everyone,
• 27:13
  can you take a picture of photos? Yeah, I would love to see it, either whether it's you buying
• 27:18
  things that are potentially the men's version, just because they're cheaper and you know, you're
• 27:22
  going to save a dollar or two, or send us photos of pink tax in action. If you're like, oh my god,
• 27:28
  all of a sudden, I'm seeing it here, here and everywhere. We want to see it. Because also, we
• 27:33
  could potentially just start like sharing those photos and tagging the companies. It's good,
• 27:37
  hello, just sharing this as to why this is more expensive. I'm going to go buy myself some pink,
• 27:42
  I mean some blue shirt. Cool. Okay, bye. Bye. Thank you so much for joining us for today's
• 27:52
  episode of Raising the Curve. Please subscribe and leave a review on what ever platform you're listening
• 27:57
  on. We would also love for you to share this podcast with anyone you think would benefit from it.
• 28:02
  For more information about the curve and how you can learn more, head to the curve.co.nz or
• 28:08
  find us on socials at the underscore curve nz.