Latest / Closing Sales in Nigeria - Sales For The Nigerian Business Person: The Sales and Marketing Blueprint / The Business Owner's Guide to Preventing Theft & Fraud

Transcript

The Business Owner's Guide to Preventing Theft & Fraud · Closing Sales in Nigeria - Sales For The Nigerian Business Person: The Sales and Marketing Blueprint

• 0:01
  Hello and welcome to the show. I'm making today's recording at
• 0:05
  home and it's a late night recording, so there will be some
• 0:07
  noise in the background. Now today on the podcast, we're
• 0:10
  going to look at how to prevent fraud in your business.
• 0:13
  I repeat, how to prevent fraud in your business.
• 0:16
  And the reason why is because on the radio show, not the podcast,
• 0:21
  on the radio show, I had a call, it was like maybe 3 weeks back,
• 0:27
  Faller from Abuja, who is in the plantain chips business.
• 0:31
  And because of the stuff that we happened to be talking about at
• 0:34
  the time, you know, he was calling in just to give a
• 0:36
  testimony to show how you don't really need to start with big
• 0:40
  money like that when you're going into business.
• 0:43
  Because he and his wife, that's his business partner, they
• 0:48
  started their plantain chips business with about 19,000 naira
• 0:53
  in seed capital. And that was early on in the
• 0:55
  north, you know, 2000 and something.
• 0:58
  And now a couple of year later, he didn't say the size of the
• 1:01
  business, but he did admit that staff overhead alone was about a
• 1:05
  million a month. So that's to show how the
• 1:08
  business had grown. So that was the main point he
• 1:11
  was calling and he was giving a testimony just to let people
• 1:13
  know that you don't have to start with millions.
• 1:15
  You can start with small and you can't begin to graduate, but
• 1:19
  that was like the spirit of the show.
• 1:22
  Then he mentioned casual, that he had a sales manager or a
• 1:30
  store manager who happened to engage in some fraudulent
• 1:33
  activity activities and was able to defraud him of some money.
• 1:40
  But you know, that was not the main point of why he was
• 1:42
  calling. So even though that was just an
• 1:44
  aside, I thought about it that there are lots of people who are
• 1:48
  starting businesses today and your prayer is that the business
• 1:51
  will grow. But this is something that
• 1:54
  happens when the business grows, eventually you get a team and
• 1:58
  you start building infrastructure beyond you.
• 2:01
  And when that happens, then of course, you know, there's some
• 2:05
  concerns that happened. There's some concerns that
• 2:10
  happened. Basically, there's some headache
• 2:12
  that will just normally come. And so for those of us who are,
• 2:15
  you know, of a certain age, do you remember PDD and what's his
• 2:22
  name again? PDD and Biggie.
• 2:24
  Yeah. More money, more problems.
• 2:26
  Yeah. So you get more money, you get
• 2:27
  more problems. So now.
• 2:29
  So what is something that we pray for?
• 2:33
  And yeah. So that's it.
• 2:35
  So I last week on the radio show, I decided to bring this
• 2:39
  thing up again and then talk about how to prevent fraud in
• 2:42
  your business. Of course, you know, I try to
• 2:46
  soften the edge. Like I'm not trying to say stay
• 2:50
  small. I'm not trying to say don't
• 2:52
  grow. We're just trying to say like
• 2:55
  Puff Daddy and Biggie said, more money, more problems.
• 2:58
  So what you do is you try and anticipate the problems.
• 3:02
  You try and put systems in place to take care of the problems so
• 3:08
  they can continue to grow this thing that you've started.
• 3:11
  So if you're like Fola, you know, you are your loving wife,
• 3:13
  you will start at something so you continue to grow the thing.
• 3:17
  But it's something that we all have to deal with eventually.
• 3:19
  And that is why systems, processes, protocols,
• 3:23
  safeguards, no matter what it is that we have to call it.
• 3:26
  That's why we have them in business.
• 3:28
  So that's what we're looking at today.
• 3:32
  Now, the first thing that I mentioned was, OK, by the way,
• 3:36
  you know, I'm not in fraud prevention.
• 3:37
  So always talk to the relevant specialist.
• 3:40
  If I'm telling you anything and I'm coming at it from the angle
• 3:43
  of sales and business development, then you can take
• 3:45
  it as gospel. If I've said it, so it is.
• 3:48
  But for episodes like today, when I'm talking about something
• 3:52
  else that is in another man's backyard, you know, another man
• 3:55
  is a specialist, another woman is a specialist.
• 3:57
  Well, cause all them, but sure, there are a couple of things
• 4:01
  that we can learn. So First off, confirm your
• 4:05
  suspicions discreetly. The reason why I'm saying so is
• 4:08
  because you know Nigeria, you know our temperament.
• 4:11
  The moment you figure out that your best friend, your brother,
• 4:13
  your cousin, you know, whoever I steal from you, you know, the
• 4:17
  the way the thing will just be doing.
• 4:18
  You want to go and shout and you know, tear out the whole house,
• 4:21
  you know, But The thing is, whenever there's a problem, I
• 4:24
  actually need to try and figure out exactly what's going on.
• 4:26
  And how about the problem is before we know how to react.
• 4:30
  And The thing is, when you go out, confront the person like
• 4:32
  this, the person that has time to bury one or two things.
• 4:36
  And a perfect example of that was this Tyler Perry movie.
• 4:41
  I can't remember the name, but the guy was the sales manager
• 4:45
  there, a pharmaceutical sales manager.
• 4:47
  And of course, the guy was dipping into inventory and
• 4:50
  selling some things on the side, you know, just to, you know, now
• 4:55
  you're used to live in a certain kind of lifestyle.
• 4:57
  So the guy you know, who was trying to represent now, so he
• 4:59
  was doing some backyard deals and then somebody went to go and
• 5:04
  tell the org out the company. And your guy was like, I know
• 5:07
  this our guy, he's been loyal now when we had no problem.
• 5:11
  Thank you for telling me. Let me let me investigate.
• 5:13
  Let me see. So throughout the movie, your
• 5:17
  guy was looking for evidence, you know, checking records, all
• 5:20
  these kind of things. Then midway through, but this
• 5:24
  guy, I mean, throughout, maybe through the movie, the guy's
• 5:28
  conscience trying to trick the guy because his marriage was
• 5:30
  falling apart, all kinds of things.
• 5:31
  So he said that he will not be born again when I give his life
• 5:33
  to Christ. So just as I was getting ready
• 5:38
  to go and confess to Olga to say, look, I'm a new creature in
• 5:41
  Christ. And Olga, this is what I've been
• 5:43
  doing now for the past 15 years. This is what I've been doing.
• 5:47
  That's when your guy called him to his Olga.
• 5:49
  There's something I'll tell you. Say no problem me today,
• 5:52
  something I want to ask you while I sit down.
• 5:54
  The guy now dropped the flyer on the desk.
• 5:57
  I said Oh yeah, he's playing yourself.
• 6:00
  And the guy confessed. I said, in fact, I'm even happy
• 6:03
  as you've shown because honestly to God, that was the thing that
• 6:06
  was on my mind. I said let me come and tell you.
• 6:09
  So just like that, you need to go and do your investigation.
• 6:15
  Go and check finance records. Go and check bank records.
• 6:18
  Go and look at invoice, purchase order, check raw material,
• 6:22
  inventory, see how everything is tiling up so you can mash out
• 6:26
  your case before you go and confront the person.
• 6:31
  Then one way that you can do your investigation is when you
• 6:35
  get in in touch with customers directly.
• 6:37
  Because like in for last case, that's how he found out, you
• 6:40
  know something happened so he now had to hit the road and as
• 6:43
  he was going and talking to customers, you know 1 customer
• 6:46
  said he will not have company account for last.
• 6:48
  Like what do you mean we don't have company account?
• 6:50
  We've always had company account, I've been paying to
• 6:53
  managers account. That's how he started
• 6:55
  discovering that stuff was going down.
• 6:59
  So from talking to customers, that's how we usually find out
• 7:02
  about these things. But one of the ways you can go
• 7:05
  about is just to call customers once in a while and say
• 7:08
  customer, thank you for your business.
• 7:10
  You know, you're one of our best customers, but do want more
• 7:13
  exercise calling people around them or trying to update our
• 7:17
  records, are trying to verify payment receipts.
• 7:19
  So I hope you don't mind. Let's just talk for like 2 or 3
• 7:21
  minutes. Let's just confirm one or two
• 7:23
  things. So that's the scope.
• 7:25
  That's how you now start hearing that Kelechi say you should be
• 7:28
  paying to her account and then she will remit or this person
• 7:33
  say you should be doing like this, this person say you should
• 7:35
  be doing like that, or this person say he has been giving
• 7:37
  you a discount. That's how you start figuring
• 7:39
  out what's going on. So customer contact really
• 7:41
  important then to protect your business.
• 7:46
  That's one of the reasons why some businesses I know it can
• 7:49
  really, really be annoying, especially in a well for me and
• 7:53
  we are finding annoying when you go to some places and I actually
• 7:56
  want to pay cash. But then the policy is no cash
• 7:59
  payment in this store is because the owner, the staff has done
• 8:04
  him strong team. So that's where they put that
• 8:06
  policy in place. No more cash.
• 8:08
  Everybody who is buying here, you must pay in card and
• 8:13
  corporate accounts only. Then they flashed the corporate
• 8:16
  account there with another sign that says do not pay except if
• 8:20
  you're paying into so, so, so and so account.
• 8:23
  So all those sorts of things restricting the use of cash in
• 8:26
  your store or when dealing with customer.
• 8:28
  Everything was by transfer. You know, all that is just to
• 8:33
  minimize opportunities for fraud because of course is when people
• 8:36
  handle cash that they can do one or two things.
• 8:38
  You know, like you collect 5K in cash and you say let me just
• 8:43
  move 200 naira, you know, or you say let me just borrow 5K from
• 8:50
  this 20K when I'm boyant, I will now put that 5K back.
• 8:54
  So you minimize opportunities for all these things to happen.
• 8:59
  Then I found some principles online like for for inventory
• 9:04
  management. One of them was like the two
• 9:06
  person rule and I've seen that in practice here in Abuja as
• 9:10
  well. So anytime inventory has to
• 9:12
  move, we have to collect something from the store, two
• 9:15
  people have to sign from it. You know, I've seen that in some
• 9:17
  businesses. So you go to the store manager,
• 9:20
  store manager will say no problem.
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  The thing is there store manager will sign somebody else that is
• 9:25
  authorizing whatever person will sign.
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  So now two people have signed that you Kalechi went to the
• 9:32
  store to come and carry XYZ number of items.
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  Some people will say, come on, what do you mean should be 3
• 9:43
  People can collude. Yes, it's possible.
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  But The thing is conspiracies are hard to maintain.
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  The number of people that the number of people that you tell.
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  In fact, this is I can't remember who came up with that
• 10:01
  saying that saying, but the person said them the most
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  successful conspiracy is the conspiracy of 1.
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  So if it is just you that do conspiracy, you didn't tell
• 10:09
  anybody, then you're safe. If you die, you die with a
• 10:12
  secret, but the moment you stay involving one or two other
• 10:16
  people, it's hard to keep this thing on our apps.
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  So that is what all these principles, all these simple
• 10:21
  rules, like the two personal rules, you know, they just make
• 10:24
  it harder to bury something. So these are some principles
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  involved in inventory management.
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  Then of course it's good practice to consult a lawyer
• 10:35
  yours, you know what your options are also because
• 10:38
  sometimes when employers are saying employers, when employees
• 10:42
  go and do strong thing like this, sometimes they do some
• 10:44
  things that expose us to some legal risks outside.
• 10:48
  But if you talk to your lawyer, this is what I found out.
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  This is what this guy has been doing.
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  You're liar. Now know how to advise you, OK,
• 10:55
  If you want action against the guy, we can't do it like this or
• 10:59
  this thing and this thing that the guy has been doing outside,
• 11:01
  it has opened you up to this and this liability.
• 11:03
  This how you protect yourself. So talking to your lawyer, not a
• 11:07
  bad idea then also, it's another reason why all this evidence is
• 11:13
  important up when I say confirm suspicions discreetly because
• 11:19
  now you have good evidence that when you're sucking this person,
• 11:22
  you say get out you bastard and you know that you can sack the
• 11:25
  person. You know your full chest with
• 11:27
  full justification because you have proof because I've seen it
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  even in Abuja where you suck somebody, you say that the
• 11:36
  person was fraudulent, the person will now go to court and
• 11:38
  say fraudulent. How the reason why exactly is
• 11:41
  because of this because of this and then a nasty legal batting
• 11:44
  battle ensues. So I've seen it in the banking
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  sector in particular. It's not as if I know the guy
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  personal, personal, but when the bank's acting this is because of
• 11:55
  foul play and the guy say which can foul play.
• 11:58
  So the guy also countersued. I said I look normally able,
• 12:02
  dismissing me wrongfully, you will say if you're even owe me
• 12:05
  entitlements, like pay me my entitlements.
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  So these are protect yourself when you go and do good
• 12:12
  investigation. If anything happens, you're able
• 12:14
  to go to the court and say me Lord, this guy's a bastard.
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  And this is the reason why me Lord, can I approach the bench
• 12:21
  and say I approach the bench, me Lord, check this file.
• 12:23
  You see everything there, bank record plus videotape plus
• 12:27
  everything plus written testimony of store manager,
• 12:31
  everything there, there. The guy's a bastard.
• 12:34
  So yeah, it's why some of these things are important.
• 12:40
  Then of course, let's see. OK.
• 12:42
  I also found some stuff on segregation of duties.
• 12:44
  So basically that just means that no single one person should
• 12:47
  carry 1 transaction from beginning to the end.
• 12:49
  So in the beginning, when was Folla and his wife?
• 12:51
  Folli used to do everything, you know?
• 12:53
  So he and his wife, you know, prepare every every.
• 12:56
  But therefore lies. Wonder who?
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  Get inside the car, drive around, was the customer.
• 13:00
  Drop this thing, drop that thing, you know, drop every
• 13:02
  every. Then when you start hiring some
• 13:05
  people, you know, especially since you trust some people, you
• 13:08
  let go of some activities and you know, sometimes you know,
• 13:11
  you trust them. And I had the guy, he's my
• 13:13
  cousin now. He's from my village, you know,
• 13:15
  he's my personal or from the same church.
• 13:17
  And it's not a problem. They let the person handle
• 13:20
  everything. And that is where like the for
• 13:22
  the store manager now or the sales manager.
• 13:25
  That's how Margo Margo started to enter the picture.
• 13:28
  So you try and reduce any single employee having complete control
• 13:35
  over transactions from beginning all the way to the end like I've
• 13:40
  noticed in some pharmacies. Although I'm wondering some
• 13:43
  pharmacies in Abuja I'm wanting isn't necessary, they're just
• 13:45
  giving us work because anyway, shall they have the reason?
• 13:51
  I've noticed in some Abuja pharmacies now, the person you
• 13:54
  go and talk to that will give the advice is separate.
• 13:57
  The person who will go and pick up the drug is separate.
• 14:00
  The person that you will pay to is separate and the person that
• 14:03
  will now issue your receipt is separate.
• 14:06
  And for me, I think like man, that's unnecessary work now like
• 14:08
  come on, we're in the pharmacy. Like what's the big deal?
• 14:12
  We're all here in the open. But anyway, I guess these are
• 14:16
  some of the reasons, reasons why as a customer, I don't like it
• 14:19
  because it's giving us unnecessary work.
• 14:21
  It means I talk to this person, I move over and talk to another
• 14:23
  person, I move over and pay to another person and I move over
• 14:26
  and collect the receipt from another person.
• 14:28
  I'm spending much more time, but I guess all these controls are
• 14:31
  in place to limit the opportunities for fraud.
• 14:36
  Then let's see what else? OK, that's segregation of
• 14:41
  duties. Let's see.
• 14:42
  OK, yeah. Separating sales from payment,
• 14:45
  separating payment from delivery and then all these sorts of
• 14:48
  things. Then reconciliation.
• 14:50
  So there's some businesses where I noticed, well, the first time
• 14:53
  I saw reconciliation at least in Abuja or some of the
• 14:56
  neighborhood shops in the old place where I used to live, I
• 14:59
  noticed that every night, if they do not do reconciliation, I
• 15:04
  don't Reconciliation was manual as in paper plus barrel plus
• 15:08
  calculator. If they don't do reconciliation
• 15:11
  and if everything does not tally, they won't close up.
• 15:15
  So they might be closed to the public, but they did that
• 15:18
  reconciliation every single day. So reconciliation is a good
• 15:22
  idea. And for some businesses,
• 15:24
  reconciliation is separate. So the people who normally sell,
• 15:29
  they come and sell and then they go.
• 15:30
  The people who are going to do reconciliation down is a
• 15:33
  different set of stuff. So you can also separate
• 15:36
  reconciliation. Then daily sales reconciliation
• 15:41
  will be good. Checking the sales record,
• 15:43
  checking bank deposits, you know, stuff like that.
• 15:46
  And then also found some good stuff on inventory management
• 15:50
  software that's not manual because inventory management, if
• 15:55
  you're going to do it manual, can it can be, it can be quite
• 15:59
  sure it can take take a while. So for those of you who remember
• 16:03
  the podcast episode where we spoke about barcodes, Yeah,
• 16:07
  about the guy who called in who had started these family soap.
• 16:12
  Sorry, 1 moment. OK, I'm back.
• 16:17
  Sorry about that. Remember at the beginning I said
• 16:19
  that, you know, it's a late night episode and you know,
• 16:23
  everybody's home so OK where the kids are, but wife is awake.
• 16:27
  So actually wife was looking at looking for me and she said
• 16:30
  where are you? As I'm making podcasts, you see
• 16:33
  you're making podcasts at this time of the night.
• 16:36
  So your age mates, is it podcast they're making?
• 16:39
  Well, are they inside the room with their wife?
• 16:41
  I said, OK, my dear, I'm sorry, I'm pushing money.
• 16:44
  That's why I'm making podcast because you know, I make
• 16:47
  podcasts, I promote myself. If I promote myself, I get more
• 16:49
  customers. She said OK and then she walked
• 16:53
  away. So anyway, now I'm back.
• 16:55
  Let me finish the podcast that episode and then let me go and
• 16:58
  answer husband duty. Where was I now?
• 17:03
  Inventory management. So I was saying that episode now
• 17:06
  that guy that I say he wants to do soap, the family soap
• 17:09
  business and he called in asking about the packaging.
• 17:14
  Yeah, yeah, good. And then I did the research
• 17:18
  about the, you know, from a business and a branding point of
• 17:23
  view, you know, yeah, it's, it's it's necessary.
• 17:26
  And so it's good that you do. But then there also are
• 17:32
  statutory compliance issues. So by law, certain kinds of
• 17:37
  products suppose get packaging and the things that are supposed
• 17:41
  to be on the packaging are determined by law as in NAFDAQ
• 17:45
  has already said you will get packaging and on your packaging
• 17:48
  it must clearly spell out this, this, this and that.
• 17:53
  So in that particular episode, I think that's the first time that
• 17:57
  I mentioned barcodes, product, product barcodes because I can't
• 18:03
  remember if NAFDAQ. No, NAFTA does not recommend you
• 18:07
  have barcodes. You must have your product
• 18:09
  number and all of that. But I think having a product
• 18:13
  barcode is good for inventory management.
• 18:15
  You know, I can't remember, it's been a while since I did
• 18:16
  research on that on that particular episode.
• 18:21
  But if you have back roads barcodes on your products, then
• 18:25
  inventory management becomes a lot easier because you just take
• 18:27
  the thing and then you go to your computer and then you scan
• 18:30
  ping him. And of course when people are
• 18:33
  buying stuff they will scan, scan the plantain pinging.
• 18:37
  So as you they ping they go now you know the computer, the
• 18:40
  database, everything done, they reconcile now.
• 18:43
  OK, we started off today, 1st of December, we 500 bags of chips
• 18:47
  and we ended closing tally at the end of the day was 20 bags
• 18:52
  of chips, meaning that 480 bags of chips were sold.
• 18:58
  So that is inventory management doing the digital using
• 19:02
  software. So also another reason why if
• 19:05
  you're involved in one of these businesses where you're selling
• 19:07
  products apart from creating packaging just for the branding
• 19:11
  side, you know, these are also some of the small benefits they
• 19:16
  create the packaging comply with NAV dark first of all, then you
• 19:20
  know also helps with inventory management at the end of the
• 19:23
  day. So you won't take time because
• 19:25
  that neighborhood shop that I mentioned that I first noticed
• 19:29
  that the staff will do manual recall reconciling.
• 19:33
  I said that manual reconciliation will not be
• 19:35
  smarting because sometimes they'll close the shop.
• 19:38
  The shop supposed to close like around 7, I think.
• 19:43
  No, sorry, like around 8:00, but then 730 they'll stop allowing
• 19:47
  customers to come in. Now all the customers are inside
• 19:49
  and they'll come out. They don't start doing manual
• 19:51
  reconciliation. But then once in a while, you
• 19:55
  know, you're feeling peckish, like, you know, you want to shop
• 19:57
  something you want, you just want to flex.
• 19:59
  So you go and buy, swear. And I now notice that it's
• 20:01
  10:00. They're still doing
• 20:03
  reconciliation. So that reconciliation will be
• 20:05
  small. I mean, you can imagine you shop
• 20:08
  in the shop 6:30 in the morning. You know, I'll be doing
• 20:11
  reconciliation until 10:00 at night.
• 20:13
  Like, man, that's mad. Like on top how much salary I
• 20:17
  refill for people who work in certain kinds of jobs.
• 20:22
  But if everything is computerized, at least the
• 20:25
  reconciliation should not be that hard.
• 20:28
  Then also saw some stuff about whistleblower policy, having an
• 20:32
  anonymous whistleblower policy. I saw some of that in the
• 20:36
  businesses in the UKI haven't seen that in Niger.
• 20:39
  I mean, if you've seen any business that has anonymous
• 20:41
  whistleblower policies, then please let me know.
• 20:45
  You know, I give my phone number at the beginning and at the end
• 20:47
  of every episode. So just drop me a WhatsApp
• 20:49
  message, you know, give me the example so I can come back here
• 20:52
  on the podcast and say, oh, you know, so also said some Nigeria
• 20:56
  businesses do this and this is an example, then let's see what
• 21:00
  else. OK, there's some stuff about
• 21:01
  CCTV and things like that. So basically those are just some
• 21:04
  ideas about how to prevent fraud in your business.
• 21:08
  So I'm not making today's episode just care anybody.
• 21:10
  It's just one of those things like Biggie said, more money,
• 21:13
  more problems. So we gas to anticipate the
• 21:16
  problems and make sure that we nip these things in the bud.
• 21:22
  But when Fola called in and when we were discussing, actually it
• 21:28
  was the progress that we're celebrating, the going forward
• 21:33
  that we're celebrating. That's some people when they
• 21:36
  were starting their business, like the person who started the
• 21:39
  discussion actually was the lady who said she started her tiger
• 21:42
  nut business with I think it's 3000.
• 21:46
  Tiger Nut Juice started with 3K and she called in to say that
• 21:51
  she had crossed 1M in revenue. Now for some of you, you know,
• 21:57
  One M is nothing, it's chicken change.
• 22:00
  But you know, everybody starts from somewhere.
• 22:01
  So for the person who started with 3K to now look back and
• 22:05
  say, let me be this one M now it's actually progress.
• 22:10
  So, so it's actually the going forward that was celebrating.
• 22:16
  So even though we have to plan for all these things, idiots
• 22:19
  that we meet in our business and our employees, which remember
• 22:22
  that ultimately, you know, is, is progress that we're aiming
• 22:26
  for. You know, we keep the eye on the
• 22:29
  ball, we're moving forward. And for the people who have
• 22:34
  progressed, who have made it in court, because nobody ever
• 22:37
  really makes it, you know, there's always a room for
• 22:40
  progress. Like my radio producer likes to
• 22:43
  play this song, Dangote, Dangote, Dangote.
• 22:47
  Still, they find more money, you know, So even down with it is
• 22:50
  still looking for money. So, you know, I'm making
• 22:53
  progress small by small. So all these horror stories, yet
• 22:58
  they might happen, they might not happen.
• 23:00
  Either way, we protect ourselves.
• 23:02
  But we'll keep an eye on, on the ball, you know, progress as
• 23:06
  we're looking towards. And we'll get there because
• 23:08
  there are people who did it. You start with 19 K and then
• 23:13
  you're on some double millionaire digits and then some
• 23:18
  other people. You start with 3K and then
• 23:21
  you're on some single million digits.
• 23:24
  And these things happen. And we'll get there too.
• 23:28
  So yeah, we'll try and anticipate the bad.
• 23:33
  We'll keep an eye out for the good, and you know that, God
• 23:36
  willing, we'll get there. Some hard work, some prayer and
• 23:40
  you know, like the Muslims say, trust in Allah but tie your
• 23:42
  camera. So this is it.
• 23:44
  We're trusting in God mostly. We'll tie our camera, safeguard
• 23:48
  ourselves and we'll all make progress, God willing.
• 23:52
  So that's it and that's all for today.
• 23:54
  Remember, if you'd love to connect, then call, send me a
• 23:57
  text message or send me a WhatsApp message on 08064662140.
• 24:05
  So thanks for your time and attention.
• 24:07
  I'll catch you at the next episode.
• 24:09
  I finished my podcast in duty, so let me go and answer the call
• 24:12
  of my wife. She probably wants us to watch,
• 24:15
  I don't know, Love Island or, or Desperate Housewives or
• 24:18
  something. Many TV shows that people make
• 24:22
  these days, man. Anyway, everyone have a good
• 24:27
  night. I'll catch you guys tomorrow.