- 5 months ago
Earning your own money feels great — but with it comes big decisions. House? Car? Swipe now, pay later? But wait… how does all this affect your future? What even is a credit score, and why do CCRIS and CTOS matter?
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MusicTranscript
00:00I'm sure when you sign your car loan, you had to sign something you probably didn't read
00:03like so many documents, you just sign sign sign sign sign
00:05Typical 20-year-old
00:06Yeah, yeah, I mean
00:07Six months is not very long though, so maybe we don't trust her fully yet
00:10It will show you each month and then there's columns
00:12If you pay, they put a circle
00:14If you don't pay, they'll put an X or I think it'll be empty
00:16So if you have many, many enquiries on your report
00:19Regardless of what it is, credit card, car loan, house loan
00:22Even if your employer decides to check your credit score
00:25It's still considered an enquiry into your credit score
00:28I still didn't know
00:30What's up guys, welcome back to The Money Goal
00:35My name is Ymir and I have Aisha with me again
00:38Yep
00:38Aisha, what are we talking about today?
00:41Okay, so last time when I was here, we were talking about debt, right?
00:45Yep
00:45Okay, so I have never had any hutang my whole life
00:50Okay
00:50Okay, except for my BTBTN
00:52Yep
00:52And then I bought a car recently
00:53Recently, yep
00:54Yeah, not even a year
00:56So now I'm curious about CTOS and Secrease
01:00Okay, you've heard about it somewhere?
01:02Yes
01:03They say that if once you start having debt, then they're tracking your payment
01:10History and stuff
01:12Okay, essentially you have a credit score, yep
01:14Yeah, what is that?
01:15What is CTOS, Secrease?
01:16What is a credit score?
01:17How do I maintain a good credit score for, you know, if I want a credit card one day?
01:24Okay, so credit score, every country has a credit score
01:28It's essentially the financial institution's way for them to know how trustworthy you are
01:35To get credit, to get loans and stuff
01:37Okay
01:37So, Secrease is by Bank Negara
01:41So this one is free
01:42Bank Negara just tracks all the repayment of your loans
01:44Of course, they know all the loans they currently have available
01:47They have it for the safety of the banks, actually
01:50They need to make sure that the banks are not taking on too much risk
01:53Oh, so they just have everything, like your information, macam tu je?
01:58Of your credit, yes
01:59Wow
02:00Yes, yes, yes
02:01They need to make sure that the banks are not taking too much risk
02:03Impressive
02:03Yeah, yeah, yeah
02:04I actually had a friend who worked in Bank Negara
02:06And I found out it's so cool
02:07That's a fun job, yeah
02:07No, because they need to make sure that, for example, Maybank
02:10I just said an example, right?
02:11For example, they need to make sure that Maybank doesn't take on too much risk
02:14In terms of giving out loans
02:15And then suddenly everyone cannot pay off
02:17And Maybank goes bankrupt
02:18That's actually Bank Negara's job
02:19To make sure
02:20To make sure that banks can still make business
02:23Sustain, yeah
02:24To make sure that they don't suddenly die one day
02:26Because that would be very bad for the country, right?
02:28Oh, okay
02:28So I guess since they do that
02:29They thought, okay, they have this thing called the e-secrease portal
02:32You can register for it
02:34And then you can
02:34They don't actually have a credit score
02:37But they show you
02:38Basically, your historical payments
02:42On your debt
02:43Yeah, they will show you whether you've paid on time or not
02:46And they'll list all the different loans
02:47That you have under your name
02:48Yeah
02:49So sometimes maybe
02:50You check the report
02:51And you're like, wait
02:52Why is there this loan here
02:53That I've never taken before?
02:54Then, you know
02:55You can contact the bank and say
02:57Hey, what's this?
02:57I saw this in my secret report
02:59And I don't have this loan
03:00And then they can go sort it out for you
03:01But that's actually one benefit to checking your
03:03Not credit score
03:04But checking your secrets from Bank Negara
03:06Okay
03:06Yeah
03:07So your credit score can be bad
03:09And also can be
03:10Yeah
03:11Okay
03:11But that is not by Bank Negara
03:13So Bank Negara, like I said
03:14Only shows your payment history
03:15And all your loans
03:16That's all, right?
03:17And then we get to C-TOS
03:18So C-TOS is a private company
03:19And then there's a few other brands
03:21Also like Experian
03:22Ramsey
03:23I don't know
03:24I think they've done some acquisition recently
03:25But there are a lot
03:27Or a few of these private companies
03:28Who sort of take this information
03:30From Bank Negara
03:31And then they also have
03:33Some other information out there
03:34To come up with
03:35What everyone knows as a credit score
03:37Okay
03:38So in most countries
03:40Or at least what I know
03:40Malaysia and the US
03:41The credit score is actually a number
03:43And it's usually in the hundreds
03:45So in Malaysia
03:46I think the worst you can be is 350
03:49That's the lowest you can go
03:50And the highest you can go is 900
03:52900 is good
03:54Yeah
03:54900 is good
03:55350 is bad
03:56Or you could be zero credit score
03:58If you've never had a loan before
03:59Then your credit score will be zero
04:00So that's very bad
04:01If it's lower than credit
04:03It's just the NA
04:03Maybe
04:04I don't know
04:04Not available
04:05Yeah, yeah, yeah
04:06So that is what C-TOS is
04:08So they sort of take
04:09This payment history from Bank Negara
04:11They take a few other information
04:13About you
04:14And then they come up with this credit score
04:16And this credit score
04:17Is actually used for a few different things
04:19So when you want to apply for loans
04:20Banks will always
04:21Enquire about your credit score first
04:23To check that
04:24You know, you are safe to lend money to
04:26And sometimes
04:28Some jobs
04:29They will even check your credit score
04:31To see if you are responsible
04:33Okay, this is typically
04:34Financial institutions
04:35Banks
04:35Yeah
04:36So I have a few friends who work in banks
04:37And they actually got their
04:38Credit score checked by the bank
04:40Yeah, if you have a low credit score
04:41I think they wouldn't take you
04:43Okay, so this information
04:44They can go
04:46Yep, so you have to authorize it
04:47Oh, okay, okay, okay, okay
04:49I'm sure when you sign your car loan
04:51You have to sign something
04:52You probably didn't read
04:53Like so many documents
04:54You just sign, sign, sign, sign
04:55Typical 20-year-old
04:56Yeah, I mean
04:57Honestly, who would read it?
04:58So many documents, right?
04:58Yeah, but one of the things
04:59That you're signing off on
05:00Is you're giving them the right
05:01Or the
05:02You're giving them permission
05:04To check on your credit score
05:06Yeah, so that's one thing
05:07So that's what Ctoss is about
05:09And I think everybody wants to make sure
05:11That they have a credit score
05:13That's one
05:13Because, you know
05:14You might need loans down the line
05:15Like it's good for people to build it
05:17Because otherwise
05:19I know of people
05:20Who has never built a credit score
05:21Because they thought
05:22That is bad
05:23So they never got credit cards
05:24They never got anything
05:25And then one day
05:26They want to buy a house
05:26And the bank is like
05:27Oh, I can't
05:28I can't give you that loan
05:29Because I don't know
05:30Whether you can pay it off or not
05:31Yeah, so it is
05:32Good habit, I would say
05:33To build your credit score
05:34And maintain it
05:35So you have to have that
05:38Yeah, essentially
05:39I'm sorry
05:41There are
05:42Okay, so there are some
05:43Things I recommend for people
05:45Especially for first grad
05:46Okay, my
05:47Theory is
05:49If you're boomy
05:49You should go for ASB financing
05:51ASB financing, actually
05:52Is a product
05:53Oh, okay
05:54Yeah, so you can borrow money
05:56From the bank
05:56And put it into your ASB
05:57Okay, okay, okay
05:58I know, I've heard of it
06:00But I've never
06:01Like, paid attention
06:02You should do it
06:02Exactly, quite good
06:03Yeah, I have ASB financing
06:04But I won't get into that
06:05Because it's a separate topic
06:06Okay
06:06Okay, but ASB financing
06:08I think it's quite easy
06:09For fresh grads to get
06:10I mean, if you have no credit score
06:11I think ASB financing
06:12Is quite easy to get
06:14Because
06:15The money that you borrow
06:17From a bank
06:17That goes into ASB
06:19You cannot actually
06:20Withdraw that money
06:21They don't allow you
06:21To get raped
06:22Yeah, you can't
06:23You can't actually
06:24Withdraw that money
06:24Oh, you cannot
06:25You cannot
06:25Oh, okay
06:26They don't allow you to
06:26Which is why I think
06:27It's extremely safe
06:28For the banks
06:29It's like the bank
06:30Is investing through you
06:32Correct
06:33Oh, okay
06:33They basically wire
06:34The money directly
06:35To your ASB account
06:36It never reaches
06:37Your bank account
06:37Yeah
06:38So actually
06:39This is one way
06:39To build your credit score
06:40Of course
06:40If you pay off on time
06:41And you don't pay off
06:42On time
06:42Then that's bad
06:42But it's an easy way
06:44For you to get
06:44A credit score
06:46As a fresh grad
06:46And then another way
06:47Is credit card
06:48I think credit card
06:48Is also quite easy to get
06:50But getting a credit card
06:51From the bank
06:52That you receive
06:53Your salary in
06:53I think that one
06:54Can be quite easy as well
06:55So if let's say
06:55Your salary goes
06:56To a CIMB account
06:57If you try and apply
06:58A credit card from CIMB
06:59The likelihood of them
07:00Approving it for you
07:00Is also quite high
07:01If you have no credit score
07:02Okay, so that is what
07:04Fresh grads should be
07:05Aiming for
07:05These kind of loans
07:06If you try and immediately
07:07Go for a housing loan
07:09Personal loan
07:10It might be very hard
07:10For you to get approved for
07:11Right
07:11So these are the things
07:13That you should be aiming for
07:14And then just make sure
07:15You pay off on time
07:15So you can't have
07:18A car loan
07:19A personal loan
07:19Or a house loan
07:20If you don't have
07:21A good credit score
07:22You might be able to
07:23You might be able to
07:24I'm not sure
07:24Based on your salary
07:25Yeah, it's based on your salary
07:27Because there's a few other
07:27Things you look at as well
07:28If you work at
07:29Let's say a very stable company
07:30If you work for the government
07:31And you're on 20k a month
07:33You want to buy a Myvi
07:35I'm sure they'll be slapped
07:36Oh, that's quite difficult
07:36If you don't have
07:37A good credit score
07:38Yeah
07:38No, no
07:39If you have a stable job
07:40High salary
07:40They might give it to you
07:41Regardless of your credit score
07:43But if you're someone
07:44Who is on
07:44Let's say not so stable industry
07:46So I've had friends
07:47Who worked in the aviation industry
07:49And I think aviation
07:50Is very susceptible
07:51To economic boom and bust
07:53Like when the economy
07:54Is not doing so well
07:55I think that market
07:56Is not doing so well as well
07:57So banks are actually
07:58Less willing to lend him money
08:00Because he used to work
08:01In the aviation industry
08:02Yeah
08:03And that's when
08:03Your credit score
08:04Will play a very important role
08:05Yeah
08:06Besides your loans
08:08Or debt
08:09Yeah
08:09What else can
08:10Affect your credit score
08:11I mean
08:12Like your savings account
08:14No
08:14If you use
08:15Your money in your savings account
08:16It doesn't
08:17They don't care right
08:18They don't know
08:18They don't know
08:19About your assets at all
08:20Okay
08:21They don't know
08:21About your savings
08:21They don't know
08:22About your investments
08:22At all
08:23They only know
08:24About your loans
08:25And whether you're
08:26Paying off or not
08:27So it's all loans
08:28Loans and debts
08:29Okay
08:30Okay
08:30So like your
08:32Study loans
08:32PTPN
08:33Yeah
08:34So
08:34A lot of these things
08:36All get included in it
08:37How about your insurance
08:37No
08:38It's not a loan
08:39No
08:39Okay
08:40Insurance is not there
08:42But there are a few factors
08:45That they consider
08:46To calculate your credit score
08:47Some people like to
08:48Flex a high credit score
08:49For some reason
08:50But yeah
08:51There are a few factors
08:52That will impact your credit score
08:54So let's say now
08:54Your credit score is bad
08:56And you're trying to improve it
08:57Let's say one of you guys
08:57Watching it right
08:58Number one
09:00Most important thing is
09:01Making your payments on time
09:02So this is
09:03Highest rate age for sure
09:05Make sure that you pay off
09:06Everything on time
09:06Including your credit cards
09:08Including PTPTN
09:09Whatever it is
09:10Anything that you owe
09:10Pay it off on time
09:11Every month
09:12This has the highest rate age
09:13And then how much loans
09:15You have
09:15Also impacts your credit score
09:17So if you take on
09:18Too much debt
09:19For your income
09:20They call this
09:20Debt to income ratio
09:21That's also bad
09:22For your credit score
09:23If you have too much
09:24Right
09:24And then
09:26How long you've had
09:26Credit history
09:27So for you
09:28You only took it
09:29Six months ago
09:29They're probably like
09:30Okay she's been paying
09:31For six months
09:31But six months
09:32Six months is not
09:33Very long though
09:34So maybe we don't
09:35Trust her fully yet
09:36Maybe her score is
09:37A 500
09:37That's an example
09:39That's an example
09:39Yeah
09:40So
09:40If you're trying to
09:41Repair your score
09:42Essentially just
09:43Don't take on more loans
09:45Now if you already
09:45Have a lot
09:46And then make
09:46All your payments
09:47On time
09:48It will take some time
09:49For you to recover
09:50Your credit score
09:51To a better level
09:51Maybe a year
09:53Two years
09:53But that is the
09:55Most important part
09:56Yeah
09:56Okay what about
09:58Buy now pay later
09:59Is that
09:59Buy now pay later
10:01I think I've read
10:02Some articles
10:03Where they are
10:04Going to be
10:05Included in the credit score
10:06So not yet
10:07I think not yet
10:08But
10:09One thing that I know
10:10They do
10:11Is that if you don't pay
10:11They'll report it to CITOS
10:13So maybe
10:14CITOS report
10:15Doesn't show
10:17BNPL
10:17But
10:18If you don't pay
10:19The BNPL
10:20Will tell CITOS
10:20And then CITOS
10:21Will put in a mark
10:22That okay
10:22This person didn't
10:23Make this payment
10:24Okay so I have to be careful
10:25With that as well
10:26Yes for sure
10:27Okay
10:27Essentially all companies
10:29That give loans
10:30Will report to CITOS
10:31And it's like a
10:32Share
10:33All of us
10:34Share information
10:35To CITOS
10:35So that we know
10:36How trustworthy
10:38You know
10:38A person is
10:39So all the banks
10:40Are all in on this
10:41So you say that
10:42We can also check
10:43Our own
10:44CITOS
10:45Is it
10:46How do you do that
10:47So you can go to
10:48The website
10:48Or you can also buy
10:50Through apps
10:51Like Touch and Go
10:51So I bought it
10:52From Touch and Go
10:52Before
10:53Because they had
10:53Some promo
10:54I think back then
10:54Like RM5 or something
10:55But even the full price
10:57Is like RM15
10:57RM20
10:58Which is not
10:59Not so much
11:00Right
11:01You just check
11:02Every year maybe
11:03You can just go through
11:03All your
11:04Yeah
11:04Wow
11:05Actually I would do it
11:07I would do it
11:07At least once a year
11:08Not just to
11:10Know your credit score
11:12But also want to make sure
11:13Maybe you forgot
11:14To make a payment
11:15One month
11:15Yeah correct
11:15So then you have that
11:17It's essentially
11:18They will actually show you
11:19Each month
11:20Like January to December
11:21Of 2025
11:21So even one month
11:23They flag you
11:24So they will show you
11:24Each month
11:25And then there's columns
11:26If you pay
11:27They put a circle
11:27If you don't pay
11:28They'll put an X
11:29Or I think it'll be empty
11:30So you can actually see
11:31Every single loan
11:32Every single month
11:33Do you pay on time or not
11:34Yeah so you can do that
11:34For how many years back
11:35For
11:36Just one year
11:36So that is one thing
11:40Of course important to know
11:41Whether you forgot
11:42To make a payment before
11:43Another thing is
11:44I was telling you
11:45In case suddenly
11:47A loan appears
11:48In your report
11:48That you don't recall
11:49That's something
11:50You definitely want to
11:51Quickly like
11:52You know
11:52Check with the banks
11:53Why is this the case
11:53Yeah so these are things
11:55That I think
11:55Makes it worth it
11:5620 ringgit
11:57Or 15
11:58I don't know what
11:58The price is
11:59To just do it
12:00Not that much
12:01Okay not bad
12:02Maybe you should do it
12:03You've never done it right
12:04No
12:04I can tell
12:05I mean
12:05Okay
12:07So that's my
12:09Concern
12:10My questions
12:11About Sitosi Grace
12:12Now we have some
12:13From stories
12:14From our viewers
12:15And they also have
12:16Questions for you
12:17Okay
12:17Okay
12:18So the first one
12:19Forgot my PTPTN
12:21Got flagged instead
12:22When I graduated
12:25I thought PTPTN
12:26Would wait until
12:27I was financially stable
12:28She put it like
12:29Turns out it didn't
12:33Months passed
12:34Without me realizing
12:35Those missed payments
12:36Were quietly showing up
12:37In my secret report
12:38I only found out
12:39When my car loan
12:40Got rejected
12:41The bank officer
12:43Said you didn't pay
12:43Your study loan
12:44For over a year
12:45And that's a red flag
12:47I was working hard
12:48Paying rent
12:49Saving bit by bit
12:50But to the bank
12:51I looked unreliable
12:52Yep
12:53That one mistake
12:54Followed me for years
12:55Now I treat my credit history
12:57Like my reputation
12:57Because it kinda is
12:59So her question is
13:01Or him
13:02Or his
13:03What's one simple
13:04Habit you can start
13:05Today to avoid
13:06Getting flagged
13:07Or missed
13:08Any payments
13:09Set up
13:10Auto debit
13:10For sure
13:11Auto debit
13:12I have auto payments
13:13Set up for
13:14All of my loans
13:15To make sure
13:17That I don't forget
13:17And then the ones
13:18I cannot auto debit
13:19Like for example
13:19Credit card
13:20I can't make
13:21Automatic payments
13:21I have a reminder
13:23On my iPhone
13:24Yeah
13:24So I have
13:25I use reminders
13:26On my iPhone
13:26Like monthly reminders
13:28On a specific day
13:29To make payments
13:30So yeah
13:30If you look at my reminders
13:31It's like
13:32Pay HSBC
13:33Pay me back
13:34It's really like that
13:34Yeah
13:357B pay
13:36Yeah
13:36Exactly
13:37So I have all of these things
13:39To make sure I never forget
13:40I never want to miss this
13:41So it's just one payment
13:43And you're like
13:44X that
13:46Yeah
13:46But it's not like
13:47From 700 credit score
13:49You go to 400
13:50For missing one payment
13:51It's just that
13:52It's bad
13:53It will be a mark
13:55For sure
13:55The second story
13:57Too many cards
13:58Too little discipline
13:59Oops
14:00When I got my first job
14:03I signed up for
14:04Every credit card
14:05That came with a free gift
14:06Power banks
14:07Luggage
14:08Cashbacks
14:09Okay
14:10You like cashbacks?
14:11I love cashbacks
14:11I felt like
14:13I was building
14:14My adult portfolio
14:16We're handing a lot
14:18Of credit cards
14:18Okay
14:20I mean
14:21I have this card
14:22This card
14:22Exactly
14:23Okay
14:23What I didn't know was
14:25Every application
14:25Was being tracked
14:27On CTOS
14:27And multiple cards
14:28Meant I looked
14:29Desperate for credit
14:30When I tried to apply
14:31For a housing loan
14:32Later
14:32I was told
14:33You've applied
14:33For too many credit
14:35Facilities
14:36In a short time
14:37Yep
14:37I thought I was
14:38Playing the system
14:39Turns out
14:40I was playing myself
14:41Wait
14:42So I said
14:42This person
14:43Doesn't have like
14:44Credit card usage
14:46Problems
14:46It's just that
14:47They applied
14:47For too many
14:48Of inquiries
14:49Of credit card
14:49Yeah
14:50What should you consider
14:51Before signing up
14:52For multiple credit products
14:54Okay
14:55So actually
14:55This is also one thing
14:56That impacts
14:57Your credit score
14:58I also didn't know that
14:59Yeah
14:59I didn't mention it earlier
15:00But yes
15:00This impacts
15:01Your credit score
15:01So
15:02They will take
15:03How many times
15:04Have you inquired
15:05For a loan
15:06Even if you like
15:07Asked
15:08For a loan
15:09Correct
15:09So
15:10The metric for this
15:12Is how many times
15:13Did a bank
15:14Ask for your CTOS report
15:15Yeah
15:17So CTOS will know
15:18Right
15:18Okay
15:19This bank asked
15:19One time this month
15:20This bank also asked
15:21One month this time
15:21So if you have
15:22Many many inquiries
15:24On your report
15:24Regardless of what it is
15:25Credit card
15:26Car loan
15:27House loan
15:27Even if
15:28Your employer
15:29Decides to check
15:30Your credit score
15:30It's still considered
15:31An inquiry
15:31Into your
15:32Credit score
15:33I also didn't know
15:33Wow
15:34So to be fair
15:35When I was younger
15:36As well
15:37I also did that
15:38I applied for so many
15:39Credit cards
15:39Just because I wanted
15:40To see what I could get
15:41Oh no
15:41And then I realised
15:42That it's not good
15:43It's not good
15:44Apply apply apply
15:45This is a bad
15:46Sign to them
15:47I don't think
15:48It's as impactful
15:49As missing a payment
15:50Okay
15:51But there's still
15:51An impact
15:52Yeah
15:52Okay
15:52So what I would do
15:54I guess now you know
15:55You can't do anything
15:55About it
15:56From what I heard
15:57So back then
15:57When I had this issue
15:58I got so like
15:59Uneasy about it
16:01So I did some research
16:01Apparently
16:02It's just like
16:03A six month thing
16:04So they will do it
16:05Like how many
16:06Credit enquiries
16:06In the last six months
16:07So basically
16:09You can't do anything
16:09About it now
16:10You just have to
16:10Wait it out
16:11You just wait it out
16:12Don't make any more
16:13Credit enquiries
16:14Into your CTOS
16:15And stuff
16:15And then
16:17After the six months
16:18Again don't go crazy
16:19About it
16:19Just do it slowly
16:20One by one
16:21It's okay
16:22It's actually okay
16:22To have a lot of
16:23Credit cards
16:23I think it's good
16:24Because
16:25Having a lot of
16:27Credit cards
16:28And not using it
16:28Actually helps
16:29Your credit score
16:30Oh
16:30Yeah
16:31Because they will
16:31Calculate your
16:32Credit utilisation
16:32And if you have
16:34Many many credit cards
16:36And you don't use it
16:37You're showing the bank
16:38That
16:38I have a lot of
16:40Credit available
16:41But I don't even use it
16:41Because I'm so responsible
16:43Yeah
16:43So it's okay
16:44Just don't apply
16:45For so many at one time
16:46Yeah
16:46Okay
16:47But what if
16:48It's the same bank
16:49Because you apply
16:50Okay
16:51Credit card
16:52At Maybank
16:53And then car loan
16:54At Maybank
16:54And then housing loan
16:55At Maybank
16:56Does it still
16:57Count as like three
16:58Actually it's a good question
17:00Okay but honestly
17:00This is what you have
17:01To ask Maybank
17:01Because it depends on
17:03How many times
17:03They enquire
17:04If let's say
17:05They don't have
17:06A system where
17:08All their teams
17:08Have access to the
17:09Same credit report
17:10Like let's say
17:11Each of the different teams
17:12Let's say all different teams
17:13Then they all enquire
17:14Then it'll still be bad
17:15Alright
17:15I think this one
17:16You have to ask the bank
17:17Okay
17:17Yeah
17:17Ah so that's it
17:19This episode yeah
17:20Okay cool
17:21Thanks
17:21Nice talking to you Aisha
17:22Thank you so much
17:23I learned a lot
17:23You're gonna apply
17:24Check your C-Tone score
17:25After this
17:25Maybe
17:26I should go
17:26Maybe
17:27But you know
17:28It's gonna be my car
17:30I don't have much
17:31Imagine you see another loan there
17:33That's crazy
17:34That's actually crazy
17:35Maybe your mum took it
17:36And put it on your name
17:36That's actually crazy
17:37I will cry
17:38Yeah yes
17:38I think for everyone
17:39It's just 20 ringgit
17:40Honestly just
17:41At least once
17:42At least once
17:42Just so you know
17:43Like what's happening
17:44Right
17:44Make sure that everything
17:45That
17:45Even if you have no loans
17:46Just make sure that
17:47You have no loans
17:47Stated there
17:48Zero
17:48Exactly
17:49At least you know
17:50Right
17:50Okay cool
17:51Nice talking to you Aisha
17:52Thank you so much
17:53Hope you guys enjoyed this episode
17:54See you
17:55In the next one
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