#425 - The Credit Score Special

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Hello there, welcome to Alice and John.

And do you know what?

I'm in a really good mood, but I'm in a good mood on behalf of the listener.

Do you know why?

Because we've entered a golden age of Robins content.

Have we?

Yes.

Last week's podcast was me saying I didn't have any anecdotes.

I'm talking about your other projects, sadly.

Oh, right.

So, obviously, your book, Farthings and Father Figures, which you're working on at the moment.

Farthings and Father Figures, the golden golden age of the milled copper father.

I would love a Queen Anne father.

Yeah, that's a sort of farthing-father sort of reference John's making there, because John likes farthings.

Yeah, so Farthings and Father Figures, which is John's book, which he's working on at the moment.

But I listened to your episode of How's You Cook with Matt Ford.

Oh, yeah.

And I'm finding it.

I'm struggling to find the correct superlative because it is absolutely extraordinary.

Like,

Ford Fordy's a remarkable figure, anyway.

He's one of the greats.

One of the truths.

Have you heard his gratitude list?

I even listened to that gratitude list.

When you even listened to that, where he just goes, GRASS!

Grass!

I laughed out loud when he said that.

He's like, Because he starts off, he says something like, You know, I'm just grateful for everything.

I love being alive.

Obviously, you've got the son, you know, my wife.

GRASS!

But the interview, the main interview,

the questions you ask are really sensitive and empathetic.

And he is just a remarkable person.

So

I honestly urge you to go and listen to that.

If you haven't listened to it already, I know plenty of people have, because 4D is so popular.

But what a story.

Yeah.

And the gratitude list is very interesting as well because he talks about

Nottingham Forest and how good they were.

Yeah, it was really interesting to talk about sort of, you know, from someone who's a bit of a football culture sceptic yes times how how well they do uh charity and support for

um sort of members of the community of the club who are going through difficult times yeah definitely um i loved what you said about the the the forest representative of like fan

is it fan well baby

fan liaison yeah yeah yeah but uh i listened to that and then i listened to i had a long train journey so i just filled it with great robins content uh i listened to your with is a will is a week with henry Packer.

Oh, that was good.

Another discussion about death, but a very different vibe.

Very different vibe.

But again, I thought that was great.

Got to my destination.

I was like, this is a gold.

This is John's Picasso's Blue period.

This is John's Picasso's Blue period.

This is his Abbey Road side to medley.

This is, he is Sam Fender.

He's on a back.

He's on a side.

He's on a run.

He is Fratelli's Costello music.

He's Fratelli's Costello music.

This is your Mr.

Bright side era.

uh have you heard the amanda knox episode yet no not yet no

that knocked my socks off knocks your socks off it knocked my socks off yeah and then went out and bought me a whole new wardrobe full of socks okay so good well i don't know what you mean nor do i really but it was it was just really good you're sockless yeah yeah no offence to either of you but i think it's the best thing i've ever done yeah you keep saying that yeah

you didn't pitch

we ate our carousels you know.

Imagine just an hour of our carousels.

Yeah.

That's what that's what it's like.

Yeah, and then I read another really great review and another broadsheet of How Do You Cope.

And I scanned the comments, and the comments were all, John was born to do this.

You know, he's a great interviewee.

He's not turning into a great interviewer.

He is a great interviewer.

Not one person said, but Ellis set him free.

I'm always looking for that.

I scan the reviews of How Do you Cope on Apple podcasts.

No one is saying, but Ellis has set him free.

Well, maybe Ellis is the

when we do the hundredth episode I'll do my gratitude list oh yeah and number one will be Ellis for setting me free yes yeah for setting you free but how are you John I'm well it is pretty busy

doing lots of reading

you know trauma depression women's health crisis yeah

So I, in order to balance sort of the heaviness of some of those issues, I have engaged Josie Long in an online boggle battle that has got the nation on the edge of its seat.

Okay.

Yeah.

Because I was going to ask you, because

I'm reading Tony Jett's post-war.

It is quite heavy.

I'm sometimes not in the mood.

So on the side, I'm reading a book about the World Cup's biggest blunders.

Oh, lovely.

Because occasionally I need to relax.

You've got to have light and shade.

Exactly.

And even though I find the building of the Berlin Wall absolutely fascinating, sometimes it is quite heavy.

And

that's when I turn to blunders.

Yeah.

But you've turned to boggle, John.

I've turned to boggle Josie Long, one of the great bogglists.

Yeah, yeah, yeah.

And she used to run a sort of boggle show/slash boggle night in Edinburgh.

Oh, did she?

So, yeah, Josie's like, John, do you want to boggle?

And I'm like, Josie, are you aware of what you're taking on here?

Yes.

This is going to be quite a big part of your life from now on.

um

have you got time for training yeah for example are you you know how's your nutrition yeah your macros how are your macros

um

so we're 15 games in okay what's the score 12 3 to robbins oh that sounds like a good laugh good laugh with friends but josie is upping her speed okay she's gone from 18 words a minute up to 22 23 words a minute and i said josie this is what we need yeah how did you take your three defeats?

It was, I think it was staring in the mirror.

I think it was 8-0.

Okay.

You threw it, didn't you?

No, no, no, not at all.

But I was like,

this is good to see.

You know, people were coming off the bench to celebrate with Josie.

Yeah, yeah.

Pitch invasion.

Picture invasion.

We talked about the importance of,

you know, the right gear.

Yeah, yeah.

When you can go too far into tech.

Yes.

And

but last night, Josie played Rewinders for 92 points, which is the highest scoring word in our battle so far.

Oh, fucking.

And I hope that's just a glimpse of what's to come.

Yeah, because you want to be challenged, don't you?

You want to be tested.

And I also like to see, you know, I also like to encourage new talent.

Well, you want a player to realize their potential.

Yes.

Well, you want them to Wayne Rooney.

And you know, at some point, sure, I'm going to go into like the commentary scene and probably, you know, after dinners and that sort of thing.

While I'm still at the peak of my career.

Yeah, yeah.

You're not a pundit yet.

No, I'm not a pundit yet.

You know, I write the odd long read for The Guardian.

Yeah, yeah, yeah, yeah.

About international boggle.

And the athletic.

And the athletic.

But

it's nice to sort of have two generations on the pitch at the same time.

Of course.

What is boggle again?

What do you mean, what is boggle?

I can't remember the rules of boggle.

You've got to make words.

You shake the dice and all the different letters come up and you've got to to make words.

Oh, yeah, of course.

I played it with my daughter and tried in the summer, and tried my best and lost, and she would have been nine.

And I saw that as a sign of my cognitive decline.

And that's why you learnt to juggle.

Uh, well, why I failed to learn to juggle, it's why I've taken up learning to fail to juggle.

Okay,

because I can't juggle, I keep forgetting to catch catch and release.

So it's like Scrabble

a little bit.

It's like a word search, yes, in in many ways.

Okay.

What time of night are you boggling?

So 9 till 11.

Wow.

But on and on.

It's not like, you know, we dip in and out of the games.

You know, she's got kids.

She's got two kids.

My children.

I've got my ambient music to attend to.

They're your children.

That's my children.

So you're, you know,

Robert Miles's children.

Yeah.

So you're going back.

into play after she's put the kids to bed and well this is the thing i've refreshed you've been soothing yourself listened to ambient music.

And she's been reading stories.

So I've taken my gels.

I've taken on board enough protein.

I've rehydrated.

I've stretched.

You've measured your carbs, weighed your protein.

I've been in the oxygen tank.

Oh, cold bath.

Cold plunge pool, of course.

Oh, God.

Yes.

You have realised your potential.

Yeah, I have.

That's the thing.

This is it.

Wellness and boggle.

That's my ticket out of here, Dave.

Daily boggle podcast.

What do you think, Dave?

Nope.

No, no, we've been here, haven't we?

Remember?

No, not here.

That was a daily wordle podcast.

Don't pretend like there is

anything different in this one.

I'm boggle and wordle.

It's like comparing rugby into rug league, Dave.

Oh, today's sake.

Today's Wordle.

Holy smoker doobie.

Yeah.

Holy smoker doobie.

Yeah, yeah, yeah.

It's more than five letters, isn't it?

It was

trickamundo, Dave.

Why?

Well, just it was an unusual starting letter with a common ending suffix.

They rarely do, can't believe it back to Wordle again.

They rarely do Q ⁇ U

in Wordle, do they?

Well, that's because they're rare letters.

Yeah, but you could have quiet.

Yeah, you could.

But you could also have for every QU word, there's probably a thousand RE words.

So it's just less.

They're all in there, Dave.

Yeah.

Yeah, but it's never come across.

But I don't play anymore.

So maybe they're actioning the Q ⁇ Us more than they used to.

Well, you're a full-time DJ now.

Yeah, yeah.

I'm actually DJing twice tomorrow night.

How do you feel about that, Dave?

Ellis had a rivalry?

I think I was already DJing.

Yeah, I kind of asked Ellis to DJ for my club night tomorrow after you.

And I didn't.

I'm not free tomorrow night, so it's not a problem that I wasn't invited to either.

And I'll tell you what, it's done.

It's damaged everyone's ticket sales.

Nice one, Dave.

It has, actually.

But I'm not free anyway.

Well, that's fine, John.

No, no, no.

But you're realising your potential.

Yeah, I've got Boggle to attend to, so it doesn't matter that I wasn't invited to either of them because you both know how busy I am.

And gratitude.

And gratitude.

I'm grateful that I wasn't invited to either of the club nights.

Well, because I'm so

the late one you wouldn't like because it's late.

What time is it?

I will be DJing 11 until 3, probably.

Yeah, that's insane.

It's like it's some sort of mad.

It's like he's doing a fundraiser.

You should DJing all around London.

I'm young and I like being up late.

I love it.

I am a member of the nighttime economy slash was.

Yes.

But John, of course, just to come back to the point that you're, I'm doing a big Manchester one in two weeks and you are DJing that.

That's work, DJ.

Dave.

That's work.

What do you mean by grind?

It's not grind.

You're doing that is

work.

That's so much easier DJing in Manchester.

How do you think?

If you play any song by any band that are from Manchester, the crowd loses loses their minds.

It's unbelievable.

But John's doing is John's going to do what's it called?

A problematic walk-on playlist.

Yeah, John's

Problematic Walk-In playlist.

So he's going to just play a load of unknown, kind of, slow-tempo tracks for the first 45 minutes.

All from Liverpool.

Yeah, why?

Why don't you want people to have a good time?

I've got a bangers-only policy.

Because when people are walking in,

you don't need bangers.

You don't want to use Friday, I'm in love when people are like, the venues 10% full.

It's a good point.

You want you know really challenging distonal jazz

and it gets it out of my system so that I can go right can't you get out your system on the on the drive up?

No, I could say or maybe in the hotel when you're on the toilet.

My dream would be to play songs I like in a big venue behind a sort of glass screen two-way mirror so no one can see and boggling at the same time.

i'm boggling at the same time so everyone gets to experience wonderful music yeah yeah yeah i don't feel too sort of um

what's the word exposed exposed um subconscious or ideally do it from home remotely yeah like like a sort of

like like davros like davros king of the daleks well if you're if you're doing it behind a glass screen it's almost the david blain of djanging yes but do it from an ice cube but two-way mirror do it from a suspended ice cube so they get to see themselves, which is nice.

I get to play like, you know, Frank Zappa and stuff.

Everyone gets to sort of have their mind expanded.

You know, we'll make a little bit of money.

Nothing wrong with that.

Because

we want to do that.

Public service broadcasting.

And Home by Eight.

I'm going to need you to play a bit of Polk.

Yeah, yeah, yeah, yeah, yeah.

But that'll happen in the main zone.

The main zone.

Yeah.

Yeah.

Yeah.

And then before that, I mean, I've got it on my phone,

some of of the songs.

Oh, yeah.

A bit of Pat Methany.

Okay.

On Metheny.

I don't know who that is.

Sort of funky, cool jazz guitarist.

Oh, we're in trouble, aren't we, John?

Fung Dave.

Alice, what are you doing on the 19th of April?

Do you want to?

Unfortunately, I'm coming back from a holiday.

You are.

Because I would like to be air-dropped in, like an emergency DJ, to play songs that people have heard of.

Yeah.

And that one has sold out, so we can talk about this.

It's fine.

Who would have thought 10 years ago that there would be a Saturday night in London where you had a choice of places to see Ellis DJ?

I would not have called that in a billion years

whilst learning to juggle and bench pressing 87 kilos.

Yeah.

It's a sign of

chronic depression.

These are the things in the future we will say we should have seen it.

Oh, yeah, yeah, yeah, yeah.

When this crash happened.

Yeah.

When he's offering up 17 DJ sets in 24 hours.

When he's cycling across Africa for no reason whatsoever.

I'd love to do that.

Yeah, you would.

My God, I'd love to do that.

Colin Murray does that.

He does it every year.

He cycles.

He cycles across Africa.

No, every year.

He cycles across one country in Africa every year to raise money.

Well, that's very nice of him.

It takes him days.

I can't remember which country it is he does.

Wow.

You told me an interesting thing once.

You said the first thing to go is signal on your phone.

The second thing to go is electricity.

And the third thing to go is references to the Premier League.

Like you'll be in the most remote village possible, but all the kids would be wearing Monday Night shirts.

Oh, I see.

Yeah.

Yeah.

Right then.

We've got some correspondence, and then we've got a very, very special guest, don't we, Dave?

Yes, we do.

Are you excited?

Yes, I am, actually.

To be honest.

I am looking forward to being informed.

Yeah,

I'm going to go and have a curry when the guest comes on.

Are you?

Yeah.

Right.

Hello, chaps.

Realis' anecdote about the questionable use of English for a North Macedonian neon sign.

Because there were some very odd neon signs in Skopje.

And I look back through my photos and in Montenegro when I was there,

I took a picture of one that just said no fake S.

Anyway.

My wife and I traveled around North Macedonia in 2018 and were astonished by the mangled English slogans that were plastered on seemingly everyone's t-shirts.

I made a list of the best ones we saw during our travels, which I share with you below.

Hope you enjoy it.

Thanks for the content.

Ben, happen.

Glamour is a state of mind.

Random S, but with a red cross through it.

Oh, nice.

Artist.

I am exclusive.

Ooh, why not?

I like this one.

Too many trips to paradise.

Too many.

Don't know what it means.

One that just says plain white crop top.

Oh, very meta.

Endless.

Wow.

Work less, travel more.

Know your worth confidence.

There's a very good Instagram account that does these from Japan.

Oh, yeah.

Because they just sort of like English words and aren't as fussed about on t-shirts and jumpers and stuff and aren't quite as fussed about the meanings.

My bestie is a mermaid.

Which is true, actually.

That was fine.

If we burn, then you do too.

A friend is someone who walks in when everyone else walks out.

Yeah, I always read that yesterday, bizarrely.

Did you?

Yeah, someone who enters the house when everyone else is getting their coats.

I think that's from Alastair Campbell's book, Living Better.

Oh, okay.

Right.

Girls love swag.

Get over.

Get over.

Still weekend.

Get over.

That's like a northern one.

Get over.

Get out.

Get over there.

Bloody Ella's like.

They were from Pucklington.

Bloody get over.

Bloody Ella's like.

Dave,

would you do all my friends merch that says Bloody Ella's like?

Bloody hell.

Hey, by go, my lack, bulp.

This is from Josh in Dumb Fries.

Oh, good old Dumfries.

Queen of the South.

Good afternoon, my gamboling spring lambs.

I'm getting in touch following Ellis's wonderful June 2 slash that's July joke.

Yeah.

Wasn't that Dave's joke?

No.

Oh.

It's magnificent and deserves the credit it received.

Yeah, I thought that.

This has, however, reopened a wound for me regarding my own film title pun that

I made about the recent Nosferatu film.

When I decided to go and see it, an inspired moment made me ask on WhatsApp, Do I need to have seen Nosferrat 1?

I like it to enjoy Nosferatu.

No, I think that's good.

I was very proud of this and expected many laughing emojis in return, and perhaps a pat on the back from the people who I was going to see it with.

To my great disappointment, however, I just got replies like, no, this is a remake of the original, not a sequel.

And the variations on that theme.

I was then left with the choice of either explaining the wit that they'd missed or just letting it pass.

Explain.

Always explain.

Always explain.

It actually made me a little angry that this pun amused no one but me.

It's very clever.

And I appreciate your thoughts as to whether this joke is as good as I think it is.

Um, I think it's great, Josh.

I like it a lot, actually.

Is it WhatsApp that he's put it on?

Yeah, yeah, yeah.

It's perfect gear for WhatsApp.

It's perfect.

I'm gonna nick it.

I'm getting, I'm gonna get back into stand-up.

That's gonna be my first line, and then I'll do the Dune one.

But you can do it with Saw, can't you?

Because you say, Have you seen Saw?

You know, and you go, No, I

saw,

I've seen Saw.

Oh, hang on.

What is it again?

Did you see Saw?

This is always a good sign.

Comics say, oh, no, hang on.

I've seen saw 2.

Have you seen Sore 2?

No, I saw 1.

That sort of vibe.

You could do something with that, couldn't you?

I think you need to.

Have you seen Saw 2?

Yeah.

Carry on.

No,

I saw Saw 2.

And you'd be like, oh, yeah, I've seen Saw.

I've seen Sore 2.

No, I mean Saw 2.

Yeah, I see.

I see Seesaw.

And then there's all like

stuff.

And then seesaw stuff, obviously.

Yeah, yeah, yeah.

And seesaw stuff's good because it's nostalgic.

Dave, we got money for a writer's room.

Yeah, we need it.

We do.

But that's good.

No, the Nosfera 2 slash 1.

Gag's good.

It's good stuff.

Yeah.

Do you know what you should have done?

I think maybe a little wacky emoji, maybe at the end of it, would have helped him out.

Just helped him nudge that one across the line.

So

the sexual face.

No, no, no, sexual.

I was thinking the tongue out, the eyes are a bit boggled.

Well, this is my favourite of all the emojis.

The sexual emoji could also, it could also be a you know, it's one with a sort of lip curl.

Oh, is it?

I thought it was the aubergine.

No, no, no, Dave.

That's very 2010.

Is it?

No, you can't.

You know, because when I make that face, obviously, you're like around.

Yeah, I can't give my answer.

Yeah, yeah.

But it could also be a bit like

smoke.

Mr.

B.

Yeah,

um,

uh, got some good Timmy Malik correspondence.

Yes.

Crispin, Dave.

Yes.

Is this your Crispin with the Bell Tower and the Wasps?

It's not my Crispin with the Bell Tower and the Wasps.

Oh, you'll meet Crispin with the Bell Tower and the Wasps at the club night in two weeks' time.

He's coming.

Is he coming via horse and carriage?

Has he got a box?

Oh, yeah, right.

Yeah, there's an area.

Play us some new order, please.

This is Crispin from our PCD group, our Facebook group.

I did a pensions campaign with Timmy Mallet a couple of years ago, and when he popped up on our first Zoom to discuss the outline, we couldn't get him to focus on anything.

Then, after about 10 minutes, he said, Do you want to say hello to Michaela?

and shouted over to his house guest, Michaela Strachan.

That's fantastic.

And then we had another 10-minute chat, 30 minutes, and we didn't discuss anything about the campaign and had to do it all again two days later.

He was a lovely fellow.

I love that.

That's almost the perfect person for Timmy Mallett to bring out because it's so on the ground.

It'd be Natalie's here.

It'd be Natal Tommy Boyd, wouldn't it?

Yeah.

I used to love Michaela Strachan.

Yeah.

I've got quite a few emails sort of criticising and correcting me.

I don't know how they've managed to slip through,

Dave.

I'm not.

No, I don't think we need to give them the

oxygen.

No, because some of them.

You've been giving bad advice again, John.

Do you know what it's called?

Ellis, you close the story.

It's classic.

I was interviewing Alistair Campbell on Tuesday.

I know a thing or two about this.

Deny, deny, deny.

Do you know what?

It's.

Give them a better story, Ellis.

Do you know what it is?

It's classic Robins in that you're sort of

in that your ballpark correct, but a lot of the details are right.

Ellis, I'm tripling minimum wage.

I'm rebranding the FTSE.

Yes.

Yeah, yeah, yeah.

You're abolishing the House of Lords.

Dear team, I've just caught up with John's discussion about prenups in episode 423.

I'm a barrister who practices prenups and a big fan of the show.

John's absolutely right about

the state prenup.

Bank that.

He wins again, but he's not quite right about what the state prenup is.

Okay, not quite right.

It's different to being wrong.

Yeah.

Your home and everything you earned in the relationship is usually shared equally.

What you bring to the relationship or inherit is not usually shared unless your other half's financial needs require it to be.

That said, for most people, financial needs will dictate the outcome completely, regardless of where the money's come from.

Therefore, I mean, that sort of bears out my point.

It's not a direct disagree.

It's not factually incorrect.

I'm sorry that this isn't a Riley amusing anecdote, but I know that Alice and John have an unshakable commitment to strict legal accuracy, so I thought I should correct the record.

Thank you, Nick.

I once had to look at a prenup which required the husband to make a substantial backs to his wife if he couldn't control his nighttime fraudulence in the first six months of their marriage.

It's the only governor I've ever seen.

What?

And sadly, it didn't stand up in court.

Fantastic switches, Nick, Benny.

That is superb.

And that's why a prenup is romantic.

Yeah.

Because you can talk about things like,

you know, mitigating for nighttime guffs.

But yeah, you have been hammered.

Night gas.

But imagine like you're half asleep.

You're just dozing off and you're out a little pop and you think that's 15 quid.

Yeah.

Nightmare.

But

you don't want that.

But it's compromise, isn't it, Dave?

I know, but sometimes you can't help it, can you, John?

If you've had a bit of a bit of a bit of a bit of a drink, there's a lot of criticism.

John's insistence on Dave getting assessed at a running shop for shoes of me tutting in my car.

I'm sorry to add another loss to John's column of failures for the week, but ultimately with this knowledge in the public domain, we're all winners.

Blah, blah, blah.

John is wrong.

What's John talking about?

Hang on.

Got some other emails to read.

Got some other emails to read out.

Looks like

some other emails to read out, actually.

One though they said they fancied me.

There is one.

I didn't think it was possible to be more attracted to John.

Thanks, Harriet from South London.

Okay, that's because I like it.

I said a very funny thing to Henry Pucker.

well very funny funny slash cruel where we you're talking about karaoke and henry said ellis is good at karaoke because he sings properly but then he chucks in a few laughs in there and it's sexy and you said no i zoned up there because you must be talking about a different ellis

you can't use ellis and sexy in the same sentence i was listening on the train going through didcot

i thought i mean

i'm on the train which is sexy method transport and goes through tick did cotton which is a sexy town i'm feeling i was feeling good up to that point um we we have a guest joining us of course oh dear

uh yeah oh dear narn bread two popadons um i'm joff freezey please and i'll see me

i had two curries two nights ago did you have ultra hot quote ultra hot balti and a prawn uh risala same night yeah Did you finish both?

Yeah.

I just went for a curry on my own, and there's all these people around me lashed having arguments with each other.

I just put on my headphones, listened to ambient music, read my book, and ate two curries.

Oh, it was superb to see that.

But the ultra-hot balty, I'm afraid to say, was not hot enough.

I would have described it as medium hot.

Okay, I used to like and they warned me twice about the heat that I used to go to football matches on my own, I used to go to gigs on my own.

I love eating alone.

I've got no problem with it at all.

I like being alone.

I couldn't double curry,

I would just be too full.

Did you sleep that night?

After two curries.

Yeah, but it's nice, just two bowls of curry.

One naan, one rice.

Yeah.

It's not like I'm having two naan, two rice, two onion barjes.

Oh, okay, that's all I'm imagining.

Two taka dals.

Like your um,

like your Adam Riches on Man versus Food.

Yeah.

We can come back to curry chat.

Um, we do need to get to our guests because they're busy people.

They're busy bees.

They have an important job, don't they, John?

Yes, I'm delighted to say that after my

groundbreaking expose of the importance of credit scores, we're joined by John Webb from Experian.

Hello, John.

Hello, lovely to be here.

John, can I say

it means more?

Can I say it matters more?

Especially when you are meeting a fellow John in a position of high state.

When you are meeting a John for whom the complexities of the financial world aren't a confusion, it's an opportunity.

A christians.

It's a christianity.

John Webb,

what are you wearing?

Casual Friday, I mean, sweats and a t-shirt.

Because people who work in credit reference agencies, they know how to kick back.

They're laid back.

They're kicked back.

Very cool.

Yeah, exactly.

John,

explain to people what a credit score is and a credit report, please.

Yeah, okay, no problem at all.

So a credit report is a collection of your information, your borrowing history.

So how you've managed credit accounts in the past.

Your bank account, loan, credit card, mortgage, mobile phone contract, utilities like gas, water, and electric and so on.

That's all kept on your credit report.

It's a six-year history of payments and so on.

And then your score is a number a credit reference agency gives you to summarize that information.

It makes it really easy for you to know how well you're doing on your credit report.

Now, I'm thinking about our listeners.

If your credit rating is good, brilliant, carry on.

But if your credit rating is bad, it can be very, very damaging.

And so, if your credit rating is bad, how do you improve your credit rating quickly?

Well,

quickly is not really the way I would look at improving your credit score because it takes a bit of time, takes a bit of time to build it up.

So, you want to be doing things like registering on the electoral roll.

You talked about that before.

So, get that done.

You want to make sure that you're paying your bills on time.

Make sure the direct debits are set up and don't miss any payments so you avoid the negatives.

And then, trying to keep your debt as low as possible.

So, if your credit score is low because you've got lots of outstanding debt, you want to try and bring that down over time, especially on credit cards, bringing the debt down as low as possible is great.

And trying not to apply for too many things.

But the bit that takes a bit of time is building it if you haven't got much information.

So if you've got what we call a thin file where there's just very little information on your credit report, you need to, over time, open accounts.

You could open a credit card, for example, if you use it in the right way after about a year or so, it can positively impact your credit score.

My.

Well, I've got questions as well.

Yeah.

So

everyone has a credit report, whether they, it's not something you open, is it?

And where no one is really told when you're at school.

Like, by the way, when you get your first car and you get your first phone.

And your first debit card.

Yeah.

And when you register to vote, a credit file is going to be opened.

Get a fat file.

But what's frustrating, John?

I'm not saying you're part of this frustration, John.

No, thank you.

You're talking to yourself.

I can't look.

Is you go on and it lists the stuff you're doing well,

right?

Yeah.

And it might list the stuff that's not so good on your report.

So you

change the stuff that you're not doing well.

You get it up over a course of six months, a year.

But then you still can't get a perfect credit score.

So there's no way of finding out what it is that you're doing wrong.

The mystical perfect credit score, but okay, so here's what I would say: is

because you talked about this going from you know 999 to 1000, for example.

Don't worry about those, you know, those small points changes.

And if you're if you've got a fairly decent credit score, you're getting quite high.

So, sorry, I'm going to just pick you up on something you said there.

Um, so if your score is 999 out of a thousand, you just leave, you just forget about that, do you?

You sleep, do you?

Well, I know, no, I know.

I know you kiss your wife with that mouth, do you?

I know you wanted to win

to get to a thousand, but you know, at one point, it's not going to make the world of difference.

Because the thing I would say is, okay, remember this.

No, no, no.

But not to credit companies, to John's mental health and well-being.

But why are you?

You're talking about two different things, John and John.

Why have a score out of a thousand if you do everything right and it doesn't give you a thousand?

Because,

okay, you could get to a thousand.

I did.

I did, Jump.

But remember, there's three credit reference agencies.

We all have very slightly different scoring systems and bandings because it's our reflection of how well you're doing on your credit report.

And the information can be slightly different on each credit reference agency's report.

So that's why, as well, the score might be slightly different with one than the other.

When I got my mortgage, right, my experience was 999.

And yes, I run experience, can't be 999.

And I

was.

Yes, yes, experience 999.

Yeah, okay.

My experience was 999.

So I ran around the house and I celebrated.

I then did clear score because I wanted to give myself a boost.

My clear score was just fine.

It was like 500 out of 700 or something.

I thought, oh, what am I doing differently?

And sometimes I'll get emails from them and say your credit score's changed.

And literally, I've done nothing.

My direct debits are still in place.

I've not moved house.

I'm still on the electoral roll.

Well, what might some things that affect it?

And John, do

chip in at any point.

But if you go, if you say you paid for flights on your credit card and that took you over 50% of your available credits, that affects your credit score.

Am I right, John?

Well, you're kind of right.

And kind of wrong.

But how is he wrong?

Yeah.

Because I love it when he's wrong.

Okay, good.

Well,

it's not actually, you don't hit these numbers like 50% of your credit card limit and suddenly it just drops off a cliff.

It's not how it happens, actually.

Think of credit cards, think of them as a sliding scale.

The closer you get to your credit limit, the more it can reduce your credit score.

But that could be the difference.

So, you know, once a

month.

John, so what I just said is true.

Well, no,

partly true.

Partly true.

So the more.

The more money you owe on your credit card, the worse your credit score is going to be.

But I thought having a credit card was good.

Exactly.

These are confusing things, John.

No, don't overcomplicate it.

It's not, it's not confusing.

So actually, if you have a credit card, it's a great way to improve your score, but keep the balance as low as possible.

If you have

a perfect...

If you have $9.99

on Experian, for instance,

let's leave.

Or $1,000 on ClearScore.

Let's leave Clear Score out.

Or $7.20 on the other one, I think.

If you've got $9.99 on Experian, so that's effectively as good as it gets.

Should you then not get a credit card?

No, because you've only got $9.99 by having a credit card and using it.

Yeah, I've not used a credit card for years.

You could have got 999 without a credit card.

I've not got it.

I paid it all off.

What?

But I don't care about my credit score, John.

But what are you buying a washing machine on?

What are you buying flights on?

They give you consumer protection.

Yeah, but it's always going to be fine, isn't it?

It's always going to be good.

John, your thoughts, please, on not having a credit card in your 40s.

Well,

okay,

that could be a personal choice.

Responsible credit use.

Hannah's goal.

So just whack it on.

If you're worried about, actually, I will max out my credit card, then yeah, it's okay.

You can get

a top score without having a credit card.

The score is a good indicator of your credit report information, but it's one part of what someone will look at when you apply for credit.

So would your advice to be,

would your advice be when you're sort of...

18, 20, whatever, coming out of uni or whatever, getting your first job, to sort of have an awareness of this stuff

familiarize yourself with the basics maybe look into it in the years running up to when you might be making a big purchase like a house but don't get too stressed about 999 to a thousand

well oh sorry no no that's okay i want everyone to be as excited about credit scores as you and i are john and if that's at 18 that's great so yes have an awareness and know how to build a credit score over time because you know, you're starting young, so it takes a bit of time to do that.

Yeah, don't

stress about it, but just know, okay, in life, you're going to need at some point a fairly decent credit score if you want to get credit, like a mortgage in five years, ten years, whatever it is.

So, it's just, yeah, it's just about knowing what it means.

Well, John, um,

just continue what you're doing and continue, you know, setting an example for John's Everywhere for brand, John.

Of course, In your office, John, how is Robin seen?

Sorry?

How is John, as in our John, how is he seen in your office?

Is he seen as a sort of, as a good ambassador for good credit?

Or is he seen as someone who regularly gets things factually incorrect?

I mean, I'm just judging by the emails.

Oh, no.

You know, they were, let's say, minor corrections.

I mean, are we talking about a non-executive directorship here?

Are we talking about some kind of consultants?

I think we should talk.

My team is

big fans, of course.

Okay.

Well, John Webb, thank you very much for all that you do.

I think it sounds like he's Florence Nightingale.

Personally,

I think maybe a letter from the king when you get to a perfect credit score, something like that, like when you turn to 100%.

That'd be nice.

It would be nice, wouldn't it, Dave?

That's a great idea.

So that's John Webb from Experian there.

To lift the lid on the do's and don'ts, the whys and wherefores of your credit score.

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I've got a

999999 out of 999 credit cards.

You've got 999,000.

But I've not got a credit card.

No, neither have I.

I was 999 and I didn't have a credit card.

So I'm rocking and rolling here, John.

Dave, I hate you.

Well, I'm not.

And I sack you.

I see how that affects your credit score.

I'm in the same board.

Hated and sacked.

Hated and sacked.

Credit cards, zero.

Yeah.

And I'm on a 999, and that does surprise me.

Hey, tear, Dan, sacked.

I'm on a 999999999 as well.

I'm over the moon with that.

I wasn't expecting that.

I wasn't expecting that.

How do you go?

Sod it.

You're right, John.

I've unplugged my.

You've unsettled me, Dave.

It's unsettled.

Really happy with that.

Well done.

I'd like to thank everyone.

I'd like to thank my wife, my kids.

Dave, that's a mortgage lender.

Maybe that'll go down because of you buying those scam trainers.

Yeah.

No?

I mean, I hate to say Izzy's face has fallen.

She's gone pale.

John's getting his laptop out.

Are we doing this?

Yeah, we're doing this.

Are we going to compare?

Well, I'm not registered with them for balance.

Good, good, good, good.

What are the third company?

Genuinely, what is the third company?

Equifax.

Equifax, of course.

Why are there only three?

Set up your own.

Yeah.

A master, master sword.

Izzy's looking at her credit rating and doing devil horns at Michael, the producer.

She's got a rock and roll credit rating, which sounds bad.

And now we're all doing it.

This is a low ebb.

This is now a low ebb.

This is a low ebb.

This is not a low ebb.

This is a shame.

This can't be what we do.

People ask me what I do.

I can't say I get

sort of members of the team to check their credit ratings in silence on an audio form.

One most entertaining entertaining podcast is so hard to believe.

I've got all day.

John Singh's got all day.

We've not got all day.

Dave, we've got all day.

No, because then you'll ask us to wrap up before we finish the shame wells again.

Why is my password?

Very professional.

That should affect his credit rating.

Trying to knock off early.

Yeah.

You're right.

Don't worry.

Maybe I've got mine right.

Oh, no, look at mine.

It's 750.

I got it wrong.

Yeah, yeah, me too.

I've only got it.

I'm not five years old.

I'm rubbish.

I've only got a credit rate of six.

Oh, I'm such a silly sausage at credit scorer dates.

You will play a little bit of music and then we will return when I have access to information.

Six.

That's so annoying.

Luckily, John Webb.

Absolute rubbish.

Hopefully, John Webb gave us

all of the advice we needed to get it up.

Get it up.

We'll do it.

Get it back up to where it should be.

I'm going to sue you.

We'll try hard.

I've had an email from my credit score agency today

to buck up my ideas and that I should say sorry.

And that we're not as good as John.

Yeah.

It's comparing me to John and it's saying.

Yeah, you f with every single thing I do.

Oh, the amount of blimming two-factor authentications you have to do.

But what's the screen?

What are you looking for, John?

Because you know your credit score.

What are you looking for?

I know it on clear score, but I don't know it on experience.

Oh, so this is actually entertaining.

Well, my credit score.

my career score wasn't great.

So, well, you're the best at gaming.

I'm not the best at gaming.

I've just got to beat Dave.

You can't beat me, John.

All you can do is draw with me.

Oh, and me.

I'm 9-9 on experience.

Because John's good.

He's good at reading.

He's good at analysing poetry.

Yes.

He's nice and

take for a spec suit.

He's emotionally intelligent.

He's emotionally intelligent.

He's a good listener.

He's a homeowner.

He's a homeowner.

His bum's recovered.

His arms are looking good.

His arms are looking good.

How much has a share of monthly mortgage or rent payments?

Oh, dear, dear, dear.

What?

This is a shame.

He's got a degree.

Yeah.

He.

Oh, you won the Edward Comedy Award.

He's such a talented guy.

And his six friends are very loyal to him.

He's on to me financially.

Yeah, there you go.

That's a win.

But maybe that's only

for me.

That's a win.

But maybe that's why I.

That is absolute

one nil one nil to John.

He doesn't have any financial dependence John we're back on the phone

What's your experience mine's 199 Absolutely mad.

What is it?

Show me the screen

Alex Down what are you doing man?

Tell me your bench press.

I know you've got long levers.

I'll take that into account absolutely unreal tell me you're unreal

Oh, it's because I've set up a new bliming profile and I haven't filled out any information.

But according to this, it is Paul.

Paul!

Oh, that's a shame.

This is, I mean, it's pretty huge.

Oh, right.

No, it's just because I haven't got anything listed on there.

Yeah, yeah.

Because it's too cool.

It's too busy doing it for God's sake to list to your.

But hang on, how does this work?

Hi, David.

Well done.

Your score is excellent yeah i remember that email it said uh it said a wine for me

yeah good email

it hasn't even got my name yeah yeah exactly it's because you're too young you're too cool

but now i've set it up and now i have to do it no now you don't date

you have forced me into a corner of having a what if the press get hold of this

before i've filled out all my i've got to put in all my old addresses i think it's i've got to put a link it to all my blimming bank accounts i think it's more likely that the uh british podcast Awards retract our prize for a better entertaining podcast than the press get hold of your credit score.

Do you know what?

This is all over next week.

Pop bitch.

Yeah, yeah.

I'm presuming unsubscribing from that.

Are you?

Yeah.

Why not enough credit score stuff?

Oh, it's all like which Tory MP was found doing something they shouldn't have done in a place we can't name.

You think, what's that?

It's on gossip.

Oh, now they'll be on to me.

Yeah.

Oh, dear.

I got spotted at a clown show on Pop Bitch.

You did, didn't you?

Which is, to my knowledge, is the only time I've ever been on it, but I don't know.

I don't subscribe.

But now, have I now created a bad credit score for myself?

Fingers crossed, because it's good content.

You're at your best when you're low.

This is a nice story arc, though, to watch you go.

You are nice, Dave.

I don't feel nice.

To watch you go from poor to excellent.

There's a real journey to

a real journey.

We've done John's stand-up.

Okay, your name.

We've done John's This Is Your Stand-Up Life.

Lovely story arc.

Now we do John improves his credit rating.

I don't think we're doing John Wednesday again next week, will we?

That's right.

It's got my address from.

Where the hell is that?

John, you've got 12 months, okay?

We'll come back to this in 2026.

Pop your laptop away, John.

As long as we haven't lost our contract.

I can't.

I know.

I know.

I can't.

I know.

Okay, so we'll break now before the next record because we've done enough.

And in the time where you guys are having your baguettes and your coffees, I'm going to have to do, I have to do this because I'm currently listed as the place I lived in 2013.

Yes.

Lewisham.

Pre-Lewisham.

Pre-Lewisham.

Is your record keeping bad?

No.

Second to nine.

I obviously...

Logged in to experience

2013 to get something for me rent.

Though I haven't gone back and kept it up to date.

That's Classic Robbins, isn't it?

It's not Classic Robbins.

God, his files gathering dust.

Previous addresses.

Okay.

Not now, John.

Not now.

I

can't.

He can't.

Do you not hear him?

So that's the end of the show, isn't it?

I think it feels unsatisfying.

Should we do a duds and mud without him?

He's giving me a thumbs up.

I can't believe.

You're the most unprofessional broadcaster i've ever met you can't and yet can't here i am in a golden age yeah

i can't believe that i mean when he was on an auction website on live radio yeah i am grateful we're not on five live right now yeah live oh do you what you'd be praying for the news wouldn't you oh good gosh good gosh do you should we do some mad dads alice good gosh and golly yeah

my dad when he brought his first non-stick frying pan, kept the instructions and stuck them on the wall next to it.

Actual real wooden clogs

and set about eating what must have been north of 24 egg canopes.

He then proceeded to empty 40 litres or so of punch onto the timber and strike a match.

Dance a mad!

Dance a mad!

Dance awhile, mad.

Dance a mad for my three favourite lads.

I like that.

I've seen a thing.

Look at Johnny's breaking this crazy.

$14.99 a month.

Yeah, but

you can cancel it after.

Yeah.

Okay.

Dad's a mad for my three favourite lads.

After a series of unfortunate events, I'm temporarily sharing a two-bedroom flat with my dad.

Two days in, twelve to go, and his little and larger quirks are making themselves known.

It was a sunny, I mean, have you knocked an auto fill on you can pick it up for your credit, for your debit card?

No.

Okay.

What if what if- what if the the

what if North Korea got hold of my actor

Yeah

Come on now, it's going on we've got three minutes till we've got across to Asian Chinese auto doesn't work It does it doesn't work I use it every day you complete hoop It doesn't okay then so why has that got the wrong expiry date for my debit cards?

Your fault not mine because I'm using it every day I love autofill It's the worst thing about having to replace your demit card.

You can autofill your P45 if you're not careful.

If you set up the back end properly, Autofill's pretty easy.

But he's full of little

four grand trying to set up my back end and I was in bed for six weeks.

He's full of little stuff.

Just dip in and I'll give you zingers day.

I don't need to be present.

I don't need to work 1% of the day.

I'm still the best.

God today,

of course.

You're like Maradona at an upony.

You're cocaine and still winning the league.

Oh my god.

Because he doesn't use a cloud, he doesn't use autofill.

He bucks up his emails into a hard drive, which is the behaviour of a complete nutgilla.

No, no, he's not.

Someone who's got a really decent approach to security, actually.

Absolutely, absolutely.

I'll just read the whole thing again.

Go again.

After a series of unfortunate events, I'm temporarily sharing a two-bedroom flat with my dad.

Two days in, twelve to go, and his little and larger quirks are making themselves known.

It was a sunny morning, and I told Dad I I was heading up for a coffee.

Oh, great, he said, I'll come too.

Before I knew it,

we were doing a full grocery shop.

Into the basket went his usual odd assortment.

Ready-made mashed potato, who's buying this?

Fish fingers, gluten-free bread, he's recently diagnosed himself with an intolerance.

Lemon drizzle cake, gluten-free diet is apparently optional.

Lactose-free milk, ordinary milk troubles him.

Edam cheese, lactose less troublesome there, and mixed nuts.

Then onwards to the fresh produce aisle.

Bananas, grapes, oranges, check, pre-cut broccoli, sure, but then a deep exhale.

A moment of contemplation.

He approached a Tasco staff member.

Excuse me, where's your corn on the cob?

A kind employee pointed to a pack of two cut in half, so four smaller pieces.

No, not these, Dad huffed.

Normal corn on the cob.

The staff member explained this was what they had.

Dad sighed, turned around, and one by one returned every single item from his basket to his shelf.

We retraced our steps, putting every single thing we'd picked out back empty-handed.

We left the shop.

Two days down, 12 to go.

Keep recording.

I need the instruction.

I'm doing my best to teen out of his musings on the falling birth rate and his latest wisdom.

I must pretend I'm 29 on dating apps and not 32.

This from a man who once advertised on dating websites that he had three children instead of four, casually erasing one of us from existence.

That was from Maud.

It's the.

Do you know what I really like?

And this is classic Mad Dad, or sort of dads of a certain age, the pick and choose approach to your intolerance.

So you will eat gluten-free bread, but then will also just buy a normal lemon drizzle cake.

And you will drink the lactose-free milk, but will then also just have loads of e-damn.

Yeah, absolutely.

But another common trait is cutting one's nose off to spite the effects.

Like

that helps no one.

John is still here.

John has a funny pro.

Because it said anything, though.

You can't change it.

What do you mean?

Well, it says we got no credit accounts for you.

Yeah.

So surely you should be able to add a credit account.

Yeah.

It's just like it's got no.

It's not plugging into all my stuff.

I've managed to get 42 extra points

by linking it to my bank account.

Okay.

That's 1 nil.

But I do actually need John back on the phone.

Yeah.

We should.

I don't know how much, because now

we've lost you, haven't we?

We've still got two podcasts to make.

That's my concern.

We've got to do the bureau to show you.

The old bureau and obviously the main podcast for Tuesday in the middle of the day.

But there's no piece where it says add the stuff.

Current accounts.

None.

Why is it saying I've got no current accounts?

But I imagine John.

Why is it saying I've got no mortgages?

Not like you, John, to me.

What's the point in this?

Well, there will be a point.

And John probably would jump back on the line with you after we've finished recording the hell.

Shall we do the second and third podcast in Fancy Dress to give everyone a blimmin' spring in their step?

Should we do that?

Well, maybe we could sing a song.

Can you call John now?

No, we can't.

Why not?

John, because we're at the end of the show.

You can call him.

You're at the end of the show.

You can't meet him while you're getting your coffees and stuff.

I don't mind that.

If we break him for five minutes, I don't mind.

Can you call him, please, now?

That's quite like some scrambled egg.

Can I?

Go, go, go, go, go.

Yeah, you could go.

We could go on holiday if you wanted.

Michael, can you call back John?

I just went to Barcelona for three days.

I'll give you his number.

Okay, good.

Yeah,

drop him a little Timmy text.

This doesn't happen on other shows, does it?

It's a shame, but I mean, can you imagine Dermot O'Leary doing this on radio too?

20 minutes to go.

Right, I'm done.

I shouldn't have got up my score.

I should have left it.

You've, yeah, yeah, but

no one saw this.

No one saw this coming.

No one saw this.

Right, Alice, do you want to wrap up?

Because I mean, we've got a good old, we've got a good old recording.

It's the crazy golf mistake.

Yeah.

I always take my kids to play crazy golf, praying that it will be different this time.

Yes.

And they both get frustrated and we never have fun.

And then when I'm having to deal with the aftermath, I am internally berating myself, saying this always happens with crazy golf.

You've made the crazy golf mistake again, you've repeated your mistake.

And I've got a real problem with myself for repeating mistakes.

Yes, he's on the phone.

You brought up your perfect score.

You thought you were having fun, Dave, but you weren't.

You found his kryptonite.

I didn't realize that we thought his bum was his kryptonite, it's his credit score.

He's not picking up.

He's not picking up.

Oh, hi, John.

It's John Robbins here from the Ellis James and John Robbins show.

I'm good.

Thanks so much for talking to us earlier.

Dave logged into his Experient account and he's got a perfect credit score.

So I created an account and I got a poor score.

So I'm now trying to improve it.

But you go into the bit where it says boost your score and you can't actually add any of the information.

It doesn't think I've got a credit card or a mortgage, John.

I'm quite stressed.

Oh my god.

Yeah, I've just created it.

I've done that.

Yeah.

Should we go downstairs?

Are we needed this stage?

Yeah.

Maybe John doesn't pay his council tax.

Oh my gosh, imagine that getting pot, bitch.

Maybe it's all a front.

Is it?

Maybe he.

Because he's never had to prove it.

He's never had to prove it.

It's like Monica's messy room in Friends.

Yeah, it's all tiny, but there's one messy room.

One messy room.

Absolute S show.

No, in just one.

It's an S show in his messy room, and we've exposed him.

It was 699.

It's gone up to 741 after I've done the boost.

741.

Not great.

It's not showing any credit accounts or anything.

I'm going to speak to John afterwards isn't it?

Okay.

I don't know.

Do we just fade this out?

I don't know.

Creatively, I don't know where we stand now.

Does this go out?

I'm not saying I'm not on the electric.

Will people listen to this?

Yeah, they will.

They will.

That's what's mad.

They wouldn't listen to Dermot do it.

How have you

done it?

And he hasn't.

Yeah.

Poor John.

Must be autophil.

Maybe he's not sort of back end out.

That could be absolutely it.

I'm over the moon with 999, though.

Okay, should we wrap it?

Should we say bye-bye?

Well, I can hear the other John on the line, and he just said overnight update.

So maybe this might be something for next week.

I don't think that's going to wash with John's.

If I'm not sure, I'll send you that mail.

What's your email address?

We'll obviously make sure that no email addresses are going out on the podcast, on the national podcast that is successful.

Sorry, Dave's just chatting in the background.

Sorry.

With his 699.

999.

999.

And mine.

Yeah.

So it could just be an overnight update that we need.

And that will that happen on a weekend?

Well, I did.

I think I did have an account before because my email address was recognised.

George, you say goodbye, Alice?

Because I think we do just need to recognize it.

Anyway, if you stuck with us to the end, thank you so much.

We'd really appreciate it.

Why not leave us a good review?

Oh,

it does sometimes have a...

Wherever, obviously wherever you get your podcasts, do listen to some BBC sounds.

Because it's not always referred to as that.

And I'm just praying this wasn't your first episode.

If this is your first episode, thanks and goodbye.

We'll never see you again.

You might have been told by friends that you'd like it.

You might have been told by loved ones that this is going to be up your street.

This isn't.

This isn't the norm.

This isn't the norm.

This doesn't reflect what we do,

does it?

This is

all right.

I've sent you that email now.

John sent his friend John, his best friend John, an email because his best friend works for you.

Thank you very much.

That's really kind to you.

Really kind of you.

All right.

Cheers, mate.

Anyway.

Bye-bye.

John is.

Our John looks slightly happier, so maybe he can resolve this.

Maybe he's...

I just spoke Shadowsperian.

He's pretty high up.

I've got an in.

Yeah, you are.

Yeah.

Are we all good?

Yes.

He's going to have a member of his team look into it, Dave.

He had hoped they were past this.

Yeah, I heard that.

But sometimes it takes an overnight update.

An overnight update.

That sounds like a lie, though, doesn't it?

No, I can imagine that too.

He just wants to have a nice weekend.

Yeah, I'll just tell him there'll be an update.

They've not updated since January.

Yeah.

Anyway, nice one, Joe.

But you're happy.

All good to come in tomorrow morning?

Yep.

I just need to know that, because we do have still quite a bit to record.

Have we got you in a good frame of mind for some decent content over the next couple of hours?

It's all in the air.

Okay, good.

I am reassured that I've not just created a bad credit score for myself.

Okay.

It's just annoying you can't fill in the stuff.

It's all to play for.

All to play for.

All to play for.

Do you want to say bye-bye, Alice?

Yeah, bye now.