yes I don't know, all right so thank you so much for coming and let's let's start. So the purpose for this is to just do two things, see what's been done and then kind of like walk through the three tracks that we have, then we throw from there. Okay. By the way, and then you will, you see that page I shared from there. You went through it, what did you think? The recording I shared with you, yeah. I had showed you a page that is similar that they do something similar to ours. Did you see that? Oh, so, but I think our lives are a bit more, I'm wondering, I think our lives in the world are extremely much better. Yes, yes, structure is okay, but you see how very, yeah. One section is, it's like this section is just for this, this section is just for this, this section is just for that kind of clarity. So there isn't too much of, you find the same thing in the same place, like you don't want to repetition on the same page. So I think there's that flow, like remember we're trying to create that, especially if maybe just open one page, maybe the individual page. Or the company will then issue. So ideally, this is the home page. Yeah, the home page is kind of, you know, a panel talks about every bit. So they won't say then, you know, it's interesting now to those specific things. Okay, so from the national confusion, the financial controlled does this change all the time or it's the same heading? No, no, it's supposed to be a slainer, it's supposed to be a slainer. Okay, okay, take the free health check, explore tools, okay. Family personality growth, desperate academy. Does it, oh, okay, it just highlights it? Oh, does it change? No, it changes where? No, if you just feel with personality changes then growth. Meet your many personality, discoverable view, assessments, growth, see what? Consistency can build, try the growth calculator, plan records. Ooh, I love that. Oh, okay, awesome. Excuse me, am I late? So I don't, am I in the middle of the relationship screen? Oh, my, my, my car window is small, I feel like I want to close the, maybe it's because you're, yes. Maybe it's because you're just adding that specific type. Yeah, okay, okay, I see what you mean. Okay, okay, let's see, it's because I'm having to, you know, do this, eh? To see what happened there, but it's okay, family, free health. This is the health check that we talked to, we, we've always had. If your mind is going in three minutes or next afternoon, free. Remember, we discussed this number. Is that if you get that time? Yeah. Tell me later. So the thing is, when someone starts it, then they see it's like 20 questions. So they're like them, it's a bit too much. So we do it three minutes, then it's found a bit more less, like a, cause. Or three minutes, 20 questions, zero judgment, okay. Yes, yes, do you have any questions? That's a good trick of the, you know, the way we, we have them categorized. Cause there was a bit of a fusion. Yeah. Just closing. So it's the same thing. Yeah, back now we did. When you think about it, you feel confident before we're able. Okay. They, they, what happens with these towers? Oh, oh, this one, we changed this one, yeah. An emergency hits, a management is needed today. An insurance is needed today. Okay. What does it come from? It comes from a little, a little bit, a little bit. Does anyone else depend on your income, kids, and siblings. If so, they protect it, if something happens to you. If you're a novel for three months, what happens to your finances? Do you, do you know roughly what you spent last month? Um, and invites you for a bit, but we can trade with it. So in towards something specific way now. Which is better start. Cause your current relationship with debt or like this question. That free or only debt that will transfer to her debts that are clear can. And you must trade with it. I'm sure the fuel loss is coming in. I'd better from one piece to the other. Do your money to reflect on it? Someone offers you a new detail per cent. And run through the hills that keep attending that. Quick check. Do you know, the total amount of debt you own? I remember the day we some people. There is lots. I can test again, right? Yeah, sure. So previously we haven't shown. We don't have something to download, but now we want to collect emails. So we have about a direct. Excuse me. So they can do this for now. So does this automatically. If as soon as this is what we're now saying maybe any time we get the email address. It automatically goes to the newsletter, right? It should be able to, ideally. Then they can. For the newsletter thing is, it's a bit different. Because newsletter we see it's like a subscription. People are subscribing to receive. So we do pass the email, but they're not subscribed to them. It's like, also the same thing. I think it will be interesting to you to comment on how it first is. Because data. Subscribe to people to newsletter. Yes, but as ever we had mentioned it. We had mentioned that. I know like automatically subscribing people will. Piece them off. Me included. But then there's the option to unsubscribe. So I don't know if you want to. So what I can do. I think the best way to know this. When they're submitting the phone. Approaching, we have a disclaimer. Lightly what a disclaimer after. By submitting. You accept to receive a regular. Yes. Yes. The only newsletter is from Monday. Yeah. But people don't mind. So that's more like a concept to. Being subscribed. And that works. Okay. Again, it's. It's. It's. It's. It's. Yeah. Yeah. Yeah. It's. So I think I'm not. That's. And. Okay. So here we are. You're trying. And it shows some savings here. So I'm planning that. But your system has. Okay. So you're next. We must build your emergency funds. Okay. So it's. So I had that. This is. Okay. That's recording. I made for one hour. That just didn't work. Anyway. So. Is it. I'm not sure how we can do this. But. Maybe. This is where you geniuses come in here. Based on the three moves here. Those. Next steps should be here. So for example, see, build your emergency fund. We're emergency. Or to make your savings. Um. I don't know how you do that. Cause then you need that click. Click to your bank. Blah, blah, blah, blah. You know for you to automate your savings. You go in. Yeah. So that's. Yeah. That's a bit. Yeah. But we did you say there is a like. You know what I'm talking about. Recommendation. Then have it. Call to options. But yeah. So like they want positions. I mean, it's a little too because. Because. That person's bank and stuff. Yeah. Yeah. Yeah. But now for the netting. Of course, we have the things to help you with that. Mm-hmm. I mean, deal. Your magic. I don't do have. Maybe that's. This is another. Call to option to partner with that. From that. So. So you do emergency fund. And another. Call to option would definitely be the. The course because we. It's not just for that. It's for everybody. Like we want as many people to. I mean, and do the course. So I think a constant call to action would be to register for the. For the class. Yeah. In a place where. All these things come packaged. You know what I mean? Yeah. Like if you're in debt. If. Like you get to get to step by step, you know. Ways to do that. There's always we can package the course where if you register for the course. Of course, by default, the emergency fund. Get. Oh, if you if you create your. If you create your profile. So that's what I'm trying to figure out. And maybe you can help me. Yeah. So. We would like. Yeah, I would like that anybody who comes into the website. And creates a profile. It's a profile. Meaning this. This after we've taken this test. Yeah. I think the click to here to get your results would be. Create a free dashboard. Account or something. Yeah. To receive your results. So what that does is. Once you create your dashboard. That's both now has this with this text or your guide, like, an attractor. It helps you track. This is your emergency fund, like, like, here on your dashboard. So, you're like, "Hi, Rawa." You know, welcome to their academy, nini, nini, nini, no many ways, whatever. We can even have Rina do a intro video of what we space, this space that you're reading now. What does that, what are you here to do? You have to support you when it comes to financial literacy, training, coaching, whatever. But this is your initial step to that. Your dashboard helps you track along your progress. And there are certain things, and this is your free dashboard, yeah. Of course, you get into it. There are more packages or collections that are billable, but that's the thing. So, treating your dashboard helps you one track, your critical needs at that moment. So, if it's building an emergency fund, you have to click on an emergency fund, here, build your emergency fund, I click on it. Yeah. There's this emergency fund calculator, but remember I was saying, we also have agreements with Sandlam, Etica, CIC, and other money market funds that we are agents of. So, that link should actually be there where they can apply for an emergency fund, like actually get into it. So, do I share that information with you? So, that apart from this, calculate you, whatever this is, you know, already remember, we're saying, we want, oh, this is also editable, yeah. So, the dashboard thing, I don't know how that, are you ready to start on the question? I think I tried to do it, then it said this email is already taken. Oh, I mean, you try logging in. You see, you have to log in, but you can go to your book, and say, yeah, then I show you something. Oh, actually you already are. Oh, I did. Wait, where's my, where's my help? Did it? How long? Because I remember that that was what it made me do. So, let me see. Remember, let me log in. Let's log in. Oh, it's loading. This page has expired. You do like to refresh page. I say, okay. Yeah, this is the question. Oh, there you go, you end the dashboard. So, you see, this is your dashboard. So, you name the name you put you is test. So, that's what you say. And you test, but this is how you match X. You can see you have the call to option to take the test, you can see the test that you've done. Oh, great. It's full. You can see the difference. They're all you're saying. You can come here and do the, you can go through the hold on the kind of tracks. Oh, yes. Okay. So, the, so my question is how do we not repeat this for somebody who's done this here? You see, you see, because what I did was I came here. And I went through the, you told me do that. So, I came, it's a take the assessment to do the free health check and I did it. How is it that when I log in, then that's what I was saying. If it, if you can create your dashboard at that point, then what happens is that when I do come into my. Like once I've created it, it's not that far dashboard disabled. But it's on the level. Yeah, so previously we did have, we remember when we were doing the test. Well, we, so we did have the. I said my report to dashboard, then it, it gives me. But then we removed that or. Downloading and the. The direct last good thing. We have the image. So someone who's the email then it's on the email. And that's so what we can do. I think that's going to have it is when someone is a meeting. Or once when someone is seeing the email, you have what that book source goes for. Would you like to, you'd like to have, these things. Then that now. And it's automatically. But right now, if you go get the test, it automatically saves. That's good. You see, they're the one you did just before. Remember, it's a, where I said. Mm-hmm. But this one, you look me as, as you're using your. You're using your. Mm-hmm. So right now, the board do the test. It's. And it kind of takes. Kind of structure or progress through their own. That's not time there. Okay, so quick one. Do we want to give people the option of logging into the dashboard versus not logging in. Because I think the dashboard is a free. It's a free parking tool. Yeah. So you can, once you take whichever test, whether it's the money personality, or I don't know whether we want to do the money personality for free. But if you take this financial health check. Yeah. I think where you say, send it to me. It should be creative free, you know, dashboard. You know, there says no, no, no, whatever, no, nothing attached to it. It's just a free dashboard. Create a free dashboard to get your score. So creative, then you put the email. And so that a dashboard appears for them. And you can track your progress. Yeah, really. Yeah, yeah, I think so. But now the problem is. Mm-hmm. Mm-hmm. Sometimes you mentioned the one dashboard. Then people think something. I mean, taking it to to to conflict. But I get what you say. It is free. I mean, why not. So you can have that. Yeah, so what that will do is. It will even like the benefits of setting up for a dashboard would be. It would be easy to even schedule a one on one. You know, it will be easy to schedule a free one on one. Because for you to schedule a free one on one, you have to create a dashboard anyway. So you have coming here, give us your whole thing. It creates your creative dashboard for some of these free services. So then you sign up for your free discovery, whatever. Then maybe even many personalities can be free. So that way better than being. You want to now get in touch with a human being. You've done your debt. You've done your health check. You've done certain things before you can schedule a call. A virtual call. I think let's people do their work. So that by the time being talking to me, I'm not talking to them. Yes, as I end up. I'm not. I'm not. I'm not. They've already cleared everything. Yes. Yes. They've filled everything. Yes. Yes. That will ease. Let me tell you. You will take 90%. Oh, my work will completely offer. Yeah. Just by that process. Hmm. Okay. I'm taking it to that. Okay. So I'll only. I think you didn't have to explore the nationality. Because after you're a nice nice thing. You can take that. Even the course is when you reach out for the course. Kind of. Of course. If you stay for long without making progress. And this is the correct answer. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Once we launch. Why are you in your email? You'll see how to do it. What's the reason to do it? Okay. So what I will do on my end is I will share with you the requirements that are needed to set up your money market fund. Because they're all similar. I will share with you our agency links. So that you're like. Ethically like. Money market funds. Troop then they can drop down and they can pick which one they want. So if they click on Ethika. It shows them the requirements for Ethika. Minimum amount for Ethika. If you click on Sonlam. The requirements for Sonlam. Minimum amount for Sonlam. Double capital. It's a million for their money market fund. It's like with the money market funds that we have. I will link and what they require. So that way you actively pushing people to actually do it now. So those can be. Yeah. And then it's a so. And then it says once you completed set up your money market fund check books. If it's left pending. Then a reminder can be sent to them like, hey, you did not complete your money market. But then if they need assistance on their money market fund like they submitted. Nina Nina Nina now getting me so easy because on the back end. That's what shows applied for money market fund. Yeah. They did you upload this like. I can even be able to see how it works. I've read for money market fund then they get a congratulations. They didn't every month. I can remind that did you save? Did you save? Yeah. We like that. Yeah. That that would be. Amazing. And then we have now. Invest from medium to long term, you know, you have your own special fund. You have our shares that no goes into FIDA. No. You like the FIDA website. Yeah. So we have to be very careful especially. We will recommend you know. You know, recommending. It's better you educate about the product. Then imagine them to actually. Yes. So you know there is. Yes. Yes. I don't want to get into it. I don't want to get into it. I don't want to get into it. I don't want to get into it. I don't want to get into it. I don't want to get into it. I don't want to get into it. I don't want to get into it. I don't want to get into it. I don't want to get into it. I don't want to get into it. I don't want to get into it. I don't want to get into it. I don't want to get into it. 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But that's not how bonds work. Having bonds here is actually misleading because that's not how they work. Bonds you can only buy them with a minimum of 50,000 or multiples of 50. So you either have 50k, 150 to 100 and 50 to 100 like that. Then the interest because here there's another indicator returns before fees and tax. Not sure what this is. So the bonds thing I think we can someone choose bonds. Then we should have the pathogen of when I have already explained them. For bonds you can only invest this milestone in this bond. That you save 50,000 and 50,000 and 50. Yes, and that's why I'm thinking we should remove it completely here. No, but bonds is a measure of investments. It is, then give it its own section. Don't keep it as a compounding growth visualizer. You should I mean, because bonds don't compound for you. You do the compounding. What bonds do is that they give you and guarantee return. The interest, the cost compounding is when you allow your interest to uninterest. So bonds will just pay you your interest. It won't compound it for you. That's what I'm saying. Here it's you have you you need human intervention to compound the interest from a bond. This one assumes the bond does it for you. This calculator assumes you are valid an avid investor. So you know how to handle bonds. And our people are not there yet. So there's something I wouldn't put bonds here. Even equities. Yeah, even equities, I wouldn't put equities. I would remove this too. I would remove this too. And you see this money market option here. This money market rate even changes monthly. So is this invest in in in. Indicating indicative returns before fees and talks. Not a promise of planning to. So indicative returns. Meaning what this is the interest. I don't know what this but please. Yeah, that's the kind of expected interest interest. Okay, then then this should actually come up here. Reena shared this with us. You see this tool. But later, this one. If you go here. In investor calculator. It actually puts everything for you. For example. This, okay, there are different tabs here. So end tab is how much you are looking to get at the end. So if you click at. What there is you want the results to be how much you get at the end. It asks you you're starting amount. And then of course, you can know the dollar sign is 20. After how many years. Real return you get to pick the return rate rate of return interest rate. And I think that's what should be up there. So remove the indicative word. Just the expected rate of return. Yeah. So that way. If you know of an investment that is giving you whatever. It's like okay, 20% target idea. Or even if you want to play it safely, 15%. And it compounds the option is here. Many investments, many market funds will do monthly. But ideally you want to look at it. Yeah. So you want to look at an annual compounding. Right. And then additional contribution is what you're able to do monthly. Yeah. So this is when you put okay. I can start with this amount. And then my additional contribution per month is let's say 5k. And then here it says contribute at the beginning or end of each month or year. Right. And then when you calculate here, then it gives you this result. Your end amount, meaning how much you're going to have in your account of this. Topping up this every month for 10 years. I will end up with 1.3m. By starting amount they will come is 20 total contributions meaning what came out of my pocket. Every month for the last 10 years is 600k. Then the total interest of this is this like this is what you want to highlight. This is the interest and that's the effect of compounding. And then of course you're able to play with these numbers. Yeah. Number 5. We want to increase it to 20. We want to increase your amount to 100k. Topping up 50 every month is what I mean. So people cannot begin to understand how long it takes for money to make money. Yeah. And just by changing a few things end up from my 1.3.2255M. Those kind of things. So, interest alone was 2 million. So that's what I'm saying. This here. Assume people don't know. This is a bit of a. It's a good thing. It's a good idea. But please. Otherwise, this makes sense if you just have a simple tool of compounding. I think the issue here is putting the kind of investment. Let me show you something. You know. Oh, sorry. I'm saying this one. Oops. Sorry. I went back to here. I was saying here. I think the. What might be the era or the misleading thing on this calculator is indicating the kind of. Investment that. That is here. Yeah. If you live it open, so people just understand. And this is where we come in here. It's not necessarily. What investment. It's. It's. It's. Yes. Yes. Yes. So I think that would work better. Compounding monthly. You can do this too as well. Show in today's money. Inflations and. I like this. I like this part by the way. You see this. Yeah. There's money. Yeah. Yeah. Yeah. I like it. It came here. Total valley. What today's buying power. So. What does this mean then. Total value. This is how much. Of. What I put in. That is. What it will. And. But then if I add in inflation. Like I am below. Inflation is we are just above. Yeah. Oh. Okay. That's an interesting. So it has the buying power of 342 today's. So this amount. We're able to buy me things. We're. This. In today's. Yeah. In today's. I see how. But that is. Yeah. You put in. 15. Growth and one of five. buying power is that. I think this is nice. I just. I'm like. Okay. People have to. Understand that. PDF report. Your growth projection assumptions. And next steps. We will save these two. The email on your account. Before download. Seven. Yes. Yeah. Oh, my. You said to your dashboard, you know that that big. Yeah. But see we've said before they. This is the tools. Oh, yeah. So I think now this one is. You know, create your dashboard to save your report or whatever. So you you only have one call to action here. Save download. No. We want them to. I've stuck you in the explore the investable course. I think this here, explore investable should come somewhere here. It's a very strong call to action. I don't know, I don't know, I don't know, not only Q&A, but let's see what to do. Yeah, I think this, if you're going to change the language. Yeah, you put it right here across here, so you put those two work together. So, if you wait for a year to start, you final port shrinks by the cost of waiting. This is so good, if you wait for a year to start. What does that mean? Oh, based on my numbers. Yeah, this is so nice, this is a powerful thing. If you wait for a year to start, you financial port shrinks by 400%. Some monthly, same monthly amount, same returns, just at the late end. This is powerful, this cannot be hidden here. You know, it's actually very, yes, it's called the power of time, time and money. This is a word for it, that this is really nice. This should come with the call to action of investable, now click here to invest this. So, what I think is, once you remove these two and you set click here to create a dashboard, this should be here like a big banner. The cost of waiting should be a real nice big banner, then click here to invest then it takes you to the money market and investment options. That would be good. Ah, okay, sorry to look on the individuals. Yeah, and all the tools down this, I know that they have their own two Easter eggs. Yes, oh, Easter eggs. I love it, like surprise is it. Yeah. So this is what I was saying, this is nice. So we said, yeah, we'll remove this that explorer, then we'll do that take the assessment health check here, I was thinking. Oh, wait wait, you same way to move that next there that it's for. Oh, I'ma that was where. That was somewhere. Yeah, but yes, but yes, okay, so this is where I'm saying that. So here when we do our start journey. You see, he says take the assessment. The assumption is what my own idea. You should, I mean, so we'll have to change these also to take the help check the what it should be the same. Now, the reason why I'm saying remove this that explorer is so that we cannot talk about that here. Like very clearly. So for remember, we are targeting the three main points for an individual is their health check assessment. They are dead and starting investing. So that's why I was saying, if yes, and for the start here for the individual, we can have the health assessment here and the money personality here. So instead of explore that and then it's repeated here dead again, let this section here be the tests the money personality test because those are the two base. Grounding information that people need to understand while they think about. Investment where they're right now and how they behave with money. Then they sort out the next thing which here now. I have the money problem that sounds most familiar, salary, this and salary nothing sure for it. Mobile loans are now machine emergency keep throwing off. I don't know what to do. I think this. This should be one call to work. So there are very many things here. This should be dead. Dead. And then this you see here choose your action today. So health check is already up here. So we are repeating it again. There's no need to repeat it. Dead management will be handled here. So there's no need to repeat it here. Money personality is will be up here. So this should be the two money personality test. This should be dead. This should be investing build your investment cushion because that's those are the three main thing. I've sorted all these out. So either we can we can move this financial health check. Apa. This is a photo here for dead management. We make a hapa or whatever you guys think will work and then. Yeah, investment. So that way it's very clear. Section one is this scroll down that scroll down investing. Then of course with the call to auction too. And then create the dashboard and then come to the investable course. Thoughts on that. So they have to help it order. I don't know whether you want to work that fast before this. Based on what you want to do. Yeah. I will tell you why. I know that is a big thing, but I'll tell you why that test work is because. You can get yourself out of that, but if you don't understand why it's like we can cure you of. Tetanas, but if you keep cutting yourself with the resting things. You have assessment past yes, but after assessment, assessment, do you have investing or do you want. That that that is a big thing for people. Yeah, you think investing. Yeah, based on what you want to do. You think it's also your marketing tool. I know. The good thing is it'll be easy to switch them. Isn't it once they're blocked it'll be easy to switch. I hope. I'm saying is it's like. It's it's not. No, but I can just have it like this when you see. But I really based on your, you know, what you want to push as many guys. Yeah, investing is I'll go with you. I'll go with your the expert here. So. So we can do you have many personality. Let's invest. Then we give the investment option. Money market for whatever. Then get out of that. Yeah, because you see actually it will come out. You see when the first session fixed, you know, taking to go to the assessment. If they take the assessment and you find that they have a lot of issues with that. And all that obvious. The call to auction down there. There's any. The probability of them coming back again to this stage. It would be no. Sawa Sawa. We'll go with you. So at least that was the first section here. And I think that's what I really wanted to cover that's okay. And then, so I can release you the next few minutes. Corporate. Bring money wise to your people training and financial. 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