so we have a very beautiful talk we’re in the office about creative creativity
in the office about creative creativity
in the office about creative creativity and IPS officer marketing author so many
and IPS officer marketing author so many
and IPS officer marketing author so many names
names
names today there’s one topic we haven’t
today there’s one topic we haven’t
today there’s one topic we haven’t touched upon I think which is equally
touched upon I think which is equally
touched upon I think which is equally importantly to call of which the world
importantly to call of which the world
importantly to call of which the world place I saw right all of you ever might
place I saw right all of you ever might
place I saw right all of you ever might become now I am wondering the statement
become now I am wondering the statement
become now I am wondering the statement of individuals in the network so
of individuals in the network so
of individuals in the network so whatever fits in there anyway
whatever fits in there anyway
whatever fits in there anyway so what I’m going to talk about is the
so what I’m going to talk about is the
so what I’m going to talk about is the story of banks because over the past 18
story of banks because over the past 18
story of banks because over the past 18 19 years I have had the opportunity to
19 years I have had the opportunity to
19 years I have had the opportunity to see Bank competence and it’s a very
see Bank competence and it’s a very
see Bank competence and it’s a very interesting story so let’s begin
interesting story so let’s begin
interesting story so let’s begin [Music]
[Music]
[Music] we know this movie
we know this movie
we know this movie so these days I tell you my story I have
so these days I tell you my story I have
so these days I tell you my story I have a perfect linear story and used to
a perfect linear story and used to
a perfect linear story and used to little bit of that fender when you call
little bit of that fender when you call
little bit of that fender when you call yourself an idiot so I joined you in the
yourself an idiot so I joined you in the
yourself an idiot so I joined you in the river and by calling myself an idiot
river and by calling myself an idiot
river and by calling myself an idiot because you might use this character
because you might use this character
because you might use this character this is the engineering here used to
this is the engineering here used to
this is the engineering here used to make aa big media and PR compaction of a
make aa big media and PR compaction of a
make aa big media and PR compaction of a river right and look at what I’m going
river right and look at what I’m going
river right and look at what I’m going to find gold in Ghana by well I mean the
to find gold in Ghana by well I mean the
to find gold in Ghana by well I mean the fact is after passing over to the right
fact is after passing over to the right
fact is after passing over to the right is what cannot be written up any so I
is what cannot be written up any so I
is what cannot be written up any so I know it’s an afternoon session so I was
know it’s an afternoon session so I was
know it’s an afternoon session so I was prepared in some videos in there just to
prepared in some videos in there just to
prepared in some videos in there just to you know P of H you can raise the one
you know P of H you can raise the one
you know P of H you can raise the one side the video is comin right so the
side the video is comin right so the
side the video is comin right so the story of banks goes a long way back
story of banks goes a long way back
story of banks goes a long way back something
resistant very old so the banking in
resistant very old so the banking in some shape or form started around some
some shape or form started around some
some shape or form started around some frozen BC when traders used to get money
frozen BC when traders used to get money
frozen BC when traders used to get money from money nights on and so forth but
from money nights on and so forth but
from money nights on and so forth but the real model nineteen started with
the real model nineteen started with
the real model nineteen started with this Bank in Italy in 1472 and then most
this Bank in Italy in 1472 and then most
this Bank in Italy in 1472 and then most of the model rags or banking you know
of the model rags or banking you know
of the model rags or banking you know kebabs as they’re called started
kebabs as they’re called started
kebabs as they’re called started recording including few of the banks
recording including few of the banks
recording including few of the banks where I am working with ideas and work
where I am working with ideas and work
where I am working with ideas and work with buffets and one of support so most
with buffets and one of support so most
with buffets and one of support so most of these banks especially in the first
of these banks especially in the first
of these banks especially in the first row they are from the 15th and 16th
row they are from the 15th and 16th
row they are from the 15th and 16th century 17th century so very very old
century 17th century so very very old
century 17th century so very very old banks SBI is 1890 it is a very very big
banks SBI is 1890 it is a very very big
banks SBI is 1890 it is a very very big industry all banking has an interest
industry all banking has an interest
industry all banking has an interest rate because that is what it is this
rate because that is what it is this
rate because that is what it is this figures and if you can if anybody can
figures and if you can if anybody can
figures and if you can if anybody can tell you what this figure is you know X
tell you what this figure is you know X
tell you what this figure is you know X or Co
or Co
or Co but if not this is the number of
but if not this is the number of
but if not this is the number of securities traded around the world or in
securities traded around the world or in
securities traded around the world or in here this number is 80 trillion dollars
here this number is 80 trillion dollars
here this number is 80 trillion dollars so it’s a huge industry at the same time
so it’s a huge industry at the same time
so it’s a huge industry at the same time it is a very very complicated intercept
it is a very very complicated intercept
it is a very very complicated intercept because it is one of the most regulated
because it is one of the most regulated
because it is one of the most regulated industries in the world you want to send
industries in the world you want to send
industries in the world you want to send regulation rate we struggle to cope up
regulation rate we struggle to cope up
regulation rate we struggle to cope up with the traffic signals the right
with the traffic signals the right
with the traffic signals the right signal that access to stop that’s a
signal that access to stop that’s a
signal that access to stop that’s a recognition it tells us how to make a
recognition it tells us how to make a
recognition it tells us how to make a left on every vector well imagine how
left on every vector well imagine how
left on every vector well imagine how many signals the banks and that is so
many signals the banks and that is so
many signals the banks and that is so there are roughly 103 million words in
there are roughly 103 million words in
there are roughly 103 million words in the Federal Regulations and then mostly
the Federal Regulations and then mostly
the Federal Regulations and then mostly the USA which will take roughly two
the USA which will take roughly two
the USA which will take roughly two years for a human being this is annoying
years for a human being this is annoying
years for a human being this is annoying which my seven-year-old daughter you
which my seven-year-old daughter you
which my seven-year-old daughter you know through in kg really actually not
know through in kg really actually not
know through in kg really actually not it’s the architecture diagram of one
it’s the architecture diagram of one
it’s the architecture diagram of one part of a bank and that is the movements
part of a bank and that is the movements
part of a bank and that is the movements Department it doesn’t have to be of any
Department it doesn’t have to be of any
Department it doesn’t have to be of any particular bank to which over 91 but
particular bank to which over 91 but
particular bank to which over 91 but that is my friends the state of
that is my friends the state of
that is my friends the state of technology architecture in some of the
technology architecture in some of the
technology architecture in some of the oldest banks among the you know let’s
oldest banks among the you know let’s
oldest banks among the you know let’s call it the model type also because
call it the model type also because
call it the model type also because there are lots of so that means really
there are lots of so that means really
there are lots of so that means really huge opportunity anybody who wants to
huge opportunity anybody who wants to
huge opportunity anybody who wants to make a career in banking there is over
make a career in banking there is over
make a career in banking there is over 500 million dollars they spend annually
500 million dollars they spend annually
500 million dollars they spend annually in the information technology space as
in the information technology space as
in the information technology space as far as banks are concerned so that’s a
far as banks are concerned so that’s a
far as banks are concerned so that’s a huge number lot of opportunity a lot of
huge number lot of opportunity a lot of
huge number lot of opportunity a lot of talks and India is still one of the
talks and India is still one of the
talks and India is still one of the leading countries where lots of banks
leading countries where lots of banks
leading countries where lots of banks have the IP presence and again there is
have the IP presence and again there is
have the IP presence and again there is no figure this is 321 billion dollars
no figure this is 321 billion dollars
no figure this is 321 billion dollars you know what is the Perez what is the
you know what is the Perez what is the
you know what is the Perez what is the traffic fine if you break the red signal
traffic fine if you break the red signal
traffic fine if you break the red signal uses maybe 500 rupees how they perhaps I
uses maybe 500 rupees how they perhaps I
uses maybe 500 rupees how they perhaps I don’t know this is the amount of fines
don’t know this is the amount of fines
don’t know this is the amount of fines that the banks have failed all over the
that the banks have failed all over the
that the banks have failed all over the world since
world since
world since 2008 okay
2008 okay
2008 okay so you can imagine the scale at which
so you can imagine the scale at which
so you can imagine the scale at which this industry is operating the scale at
this industry is operating the scale at
this industry is operating the scale at which the regulations are impacting this
which the regulations are impacting this
which the regulations are impacting this is the street the banks where I work the
is the street the banks where I work the
is the street the banks where I work the continued to pay fines and so many of
continued to pay fines and so many of
continued to pay fines and so many of those right and it is because of some of
those right and it is because of some of
those right and it is because of some of the wrong buoys
the wrong buoys
the wrong buoys the Miss Bates and I think maybe
the Miss Bates and I think maybe
the Miss Bates and I think maybe banknotes committee perhaps beautiful
banknotes committee perhaps beautiful
banknotes committee perhaps beautiful would give that to you know operating
would give that to you know operating
would give that to you know operating that much more efficient and I’ve heard
that much more efficient and I’ve heard
that much more efficient and I’ve heard really talk about that some other day
really talk about that some other day
really talk about that some other day having said that banking sector employs
having said that banking sector employs
having said that banking sector employs roughly about twenty eight percent of
roughly about twenty eight percent of
roughly about twenty eight percent of the workforce which means that it is one
the workforce which means that it is one
the workforce which means that it is one of the most popular sectors where people
of the most popular sectors where people
of the most popular sectors where people work but if you look at the stress
work but if you look at the stress
work but if you look at the stress factor of that people have in the
factor of that people have in the
factor of that people have in the banking sector it is one of the lowest
banking sector it is one of the lowest
banking sector it is one of the lowest amongst all the sector people percent
amongst all the sector people percent
amongst all the sector people percent and if you’d read out a little bit more
and if you’d read out a little bit more
and if you’d read out a little bit more I know it’s not readable from the back
I know it’s not readable from the back
I know it’s not readable from the back but most of the Western world of those
but most of the Western world of those
but most of the Western world of those three bars down there they don’t trust
three bars down there they don’t trust
three bars down there they don’t trust the banking sector especially after 2008
the banking sector especially after 2008
the banking sector especially after 2008 so the situation is kind of you know a
so the situation is kind of you know a
so the situation is kind of you know a little shaky and also the other
little shaky and also the other
little shaky and also the other challenge is that banks are continuously
challenge is that banks are continuously
challenge is that banks are continuously the target of shady sack of characters
the target of shady sack of characters
the target of shady sack of characters what has occurred so again I’m just
what has occurred so again I’m just
what has occurred so again I’m just going to give you a flavor of what are
going to give you a flavor of what are
going to give you a flavor of what are some of the challenges with Bank face it
some of the challenges with Bank face it
some of the challenges with Bank face it is the food you know most actually to
is the food you know most actually to
is the food you know most actually to industry around the world so we continue
industry around the world so we continue
industry around the world so we continue that in banks it is they are the most
that in banks it is they are the most
that in banks it is they are the most active in cyber attacks on it so forth
active in cyber attacks on it so forth
active in cyber attacks on it so forth and there’s almost a billion dollars of
and there’s almost a billion dollars of
and there’s almost a billion dollars of social engineering related fraud that
social engineering related fraud that
social engineering related fraud that happened so again a message also that
happened so again a message also that
happened so again a message also that you know we have to be
you know we have to be
you know we have to be don’t click on every arrangement I took
don’t click on every arrangement I took
don’t click on every arrangement I took that saying that okay
now there’s more to something more
now there’s more to something more interesting and futuristic I would say
interesting and futuristic I would say
interesting and futuristic I would say this this graph shows why people
this this graph shows why people
this this graph shows why people actually don’t have bank accounts now
actually don’t have bank accounts now
actually don’t have bank accounts now our country has made some progress in
our country has made some progress in
our country has made some progress in terms of opening up better than a towel
terms of opening up better than a towel
terms of opening up better than a towel instead persons report but right from
instead persons report but right from
instead persons report but right from you know the topmost bar is about
you know the topmost bar is about
you know the topmost bar is about religious region so there is something
religious region so there is something
religious region so there is something with an Islamic banking if you haven’t
with an Islamic banking if you haven’t
with an Islamic banking if you haven’t read it already
read it already
read it already it follows the Sharia law all thanks
it follows the Sharia law all thanks
it follows the Sharia law all thanks also for especially in the Middle East
also for especially in the Middle East
also for especially in the Middle East down down to the most important factor
down down to the most important factor
down down to the most important factor people don’t have enough money if the
people don’t have enough money if the
people don’t have enough money if the cost of doing banking is going to be
cost of doing banking is going to be
cost of doing banking is going to be more than the amount of money on the
more than the amount of money on the
more than the amount of money on the transaction that are going to carry out
transaction that are going to carry out
transaction that are going to carry out and what will go for the bank account I
and what will go for the bank account I
and what will go for the bank account I might as well transacting – so what do
might as well transacting – so what do
might as well transacting – so what do we need we need innovation earlier in
we need we need innovation earlier in
we need we need innovation earlier in the session professor talked about
the session professor talked about
the session professor talked about innovation right so they will look at
innovation right so they will look at
innovation right so they will look at some interesting innovations that are
some interesting innovations that are
some interesting innovations that are happening across the industry know they
happening across the industry know they
happening across the industry know they go home
go home
go home this is the giant Trinity of the credit
this is the giant Trinity of the credit
this is the giant Trinity of the credit roll again Genda aha and buh-bye
roll again Genda aha and buh-bye
roll again Genda aha and buh-bye I think these are the tri-oval which has
I think these are the tri-oval which has
I think these are the tri-oval which has significantly transformed the banking
significantly transformed the banking
significantly transformed the banking sector
hi friends today if you haven’t heard
hi friends today if you haven’t heard already when you fight a magnet your
already when you fight a magnet your
already when you fight a magnet your face how many of you use the B map no
face how many of you use the B map no
face how many of you use the B map no operate not too many people so you
operate not too many people so you
operate not too many people so you should open up of the half and this is
should open up of the half and this is
should open up of the half and this is something one that you contributed to
something one that you contributed to
something one that you contributed to this if the government has put out and
this if the government has put out and
this if the government has put out and it is one of the voids best he makes
it is one of the voids best he makes
it is one of the voids best he makes infrastructure the workshop and cocoon
infrastructure the workshop and cocoon
infrastructure the workshop and cocoon appear slack this ended earlier in the
appear slack this ended earlier in the
appear slack this ended earlier in the year in quite life so it is I give you
year in quite life so it is I give you
year in quite life so it is I give you one of the words test but let me give
one of the words test but let me give
one of the words test but let me give you a global view also we usually think
you a global view also we usually think
you a global view also we usually think of Africa as a continent which is very
of Africa as a continent which is very
of Africa as a continent which is very backward I had the opportunity to do ID
backward I had the opportunity to do ID
backward I had the opportunity to do ID digital likely for Africa 13 of a
digital likely for Africa 13 of a
digital likely for Africa 13 of a different range for almost four years
different range for almost four years
different range for almost four years and so heard of m-pesa yes is it
and so heard of m-pesa yes is it
and so heard of m-pesa yes is it successful in India no okay is not
successful in India no okay is not
successful in India no okay is not successful but it is hugely successful
successful but it is hugely successful
successful but it is hugely successful in Kenya 60 percent of Indian GDP
in Kenya 60 percent of Indian GDP
in Kenya 60 percent of Indian GDP transacts to m-pesa and it’s a very
transacts to m-pesa and it’s a very
transacts to m-pesa and it’s a very interesting story so let us see how it
interesting story so let us see how it
interesting story so let us see how it goes
funny a PC in circles the most popular
funny a PC in circles the most popular way to say today certified what access
way to say today certified what access
way to say today certified what access is portable microns and sorry TCP and
is portable microns and sorry TCP and
is portable microns and sorry TCP and better and better until find a way to
better and better until find a way to
better and better until find a way to empower you you are part of the egg
empower you you are part of the egg
empower you you are part of the egg better story
I just to give you a perspective right
I just to give you a perspective right when we were growing up we went under
when we were growing up we went under
when we were growing up we went under solid itself there used to be a
solid itself there used to be a
solid itself there used to be a speakeasy of boats all over of it right
speakeasy of boats all over of it right
speakeasy of boats all over of it right you can find those things is this
you can find those things is this
you can find those things is this particular spot where it would be likely
particular spot where it would be likely
particular spot where it would be likely from yes it’s the Domino’s Pizza a
from yes it’s the Domino’s Pizza a
from yes it’s the Domino’s Pizza a cracker right why ever put this up
cracker right why ever put this up
cracker right why ever put this up because we all love Sita we know the
because we all love Sita we know the
because we all love Sita we know the character of Sita
character of Sita
character of Sita well exactly for that reason Sita is
well exactly for that reason Sita is
well exactly for that reason Sita is because it is an acronym for steal
because it is an acronym for steal
because it is an acronym for steal information trust transparency and
information trust transparency and
information trust transparency and accuracy this is what the banking sector
accuracy this is what the banking sector
accuracy this is what the banking sector needs this is what we as customers
needs this is what we as customers
needs this is what we as customers require and asked or should I
require and asked or should I
require and asked or should I of our time you don’t want to be waiting
of our time you don’t want to be waiting
of our time you don’t want to be waiting in the queue when you visit a branch you
in the queue when you visit a branch you
in the queue when you visit a branch you don’t want to be continuously calling
don’t want to be continuously calling
don’t want to be continuously calling the contact center all sector as we call
the contact center all sector as we call
the contact center all sector as we call it or information about your bank
it or information about your bank
it or information about your bank account to my credit ran children
account to my credit ran children
account to my credit ran children support and you need transparency once
support and you need transparency once
support and you need transparency once in a flight for a goal that what
in a flight for a goal that what
in a flight for a goal that what happened in the process and of course
happened in the process and of course
happened in the process and of course with activity so you know in the
with activity so you know in the
with activity so you know in the business organization you know later on
business organization you know later on
business organization you know later on with this and it become a little
with this and it become a little
with this and it become a little difficult to explain to British what
difficult to explain to British what
difficult to explain to British what Sita any water or as a character so I
Sita any water or as a character so I
Sita any water or as a character so I did a little bit of weeks and we came up
did a little bit of weeks and we came up
did a little bit of weeks and we came up with something called stairs which just
with something called stairs which just
with something called stairs which just is speed transparency activity
is speed transparency activity
is speed transparency activity information and which results in greater
information and which results in greater
information and which results in greater super results so that’s what is the
super results so that’s what is the
super results so that’s what is the significance of that tracker now I think
significance of that tracker now I think
significance of that tracker now I think I’m sorry must’ve heard of Tesla Motors
I’m sorry must’ve heard of Tesla Motors
I’m sorry must’ve heard of Tesla Motors how much what is he going easy just
how much what is he going easy just
how much what is he going easy just building cars of course in my case 1942
building cars of course in my case 1942
building cars of course in my case 1942 my
my
my but first answer concerned he’s doesn’t
but first answer concerned he’s doesn’t
but first answer concerned he’s doesn’t rebuilding God he’s creating an
rebuilding God he’s creating an
rebuilding God he’s creating an ecosystem he’s creating an ecosystem of
ecosystem he’s creating an ecosystem of
ecosystem he’s creating an ecosystem of creating the world’s most efficient
creating the world’s most efficient
creating the world’s most efficient batteries that is what is more important
batteries that is what is more important
batteries that is what is more important to him
to him
to him the Tesla car – just cracking slices
the Tesla car – just cracking slices
the Tesla car – just cracking slices sliced – there’s nothing in it other
sliced – there’s nothing in it other
sliced – there’s nothing in it other than battery is fundamentally everything
than battery is fundamentally everything
than battery is fundamentally everything else is of course lots of electronics
else is of course lots of electronics
else is of course lots of electronics and no nice cabinetry but well that back
and no nice cabinetry but well that back
and no nice cabinetry but well that back in is what is important and so he come
in is what is important and so he come
in is what is important and so he come to the banking sector application
to the banking sector application
to the banking sector application programming interface API is also what
programming interface API is also what
programming interface API is also what is happening is Bank is being seen as a
is happening is Bank is being seen as a
is happening is Bank is being seen as a service rather than touch point or an
service rather than touch point or an
service rather than touch point or an interface to which you and I are
interface to which you and I are
interface to which you and I are interacting so there is a huge amount of
interacting so there is a huge amount of
interacting so there is a huge amount of push towards creating API is which the
push towards creating API is which the
push towards creating API is which the banks and the lube and they can offer in
banks and the lube and they can offer in
banks and the lube and they can offer in fact in the European regulations there
fact in the European regulations there
fact in the European regulations there is something what has a PSD to
is something what has a PSD to
is something what has a PSD to recognition which is going to fit in
recognition which is going to fit in
recognition which is going to fit in this year which is forcing all banks to
this year which is forcing all banks to
this year which is forcing all banks to open up their customer information as
open up their customer information as
open up their customer information as API so that others can build a nice
API so that others can build a nice
API so that others can build a nice fancy
fancy
fancy and motion itself so you know we are
and motion itself so you know we are
and motion itself so you know we are entrepreneurs also in this morning
entrepreneurs also in this morning
entrepreneurs also in this morning session session this is a short video
session session this is a short video
session session this is a short video about how fresh brand new bank got
about how fresh brand new bank got
about how fresh brand new bank got created using customers potential
created using customers potential
created using customers potential customers as the people who need money
customers as the people who need money
customers as the people who need money to create that back so that video so
to create that back so that video so
to create that back so that video so you’re dealing bundle is to create the
you’re dealing bundle is to create the
you’re dealing bundle is to create the kind of tiny bits but this is an
kind of tiny bits but this is an
kind of tiny bits but this is an experience it expects from someone like
experience it expects from someone like
experience it expects from someone like uber or Facebook or Google you know that
uber or Facebook or Google you know that
uber or Facebook or Google you know that kind of app that lives on your home
kind of app that lives on your home
kind of app that lives on your home screen and actually works in contract
screen and actually works in contract
screen and actually works in contract and thanks to the use of mobile phones
and thanks to the use of mobile phones
and thanks to the use of mobile phones to get cheaper way to sell you financial
to get cheaper way to sell you financial
to get cheaper way to sell you financial products I think it’s a really like a
products I think it’s a really like a
products I think it’s a really like a Hogan screen app that helps you live
Hogan screen app that helps you live
Hogan screen app that helps you live your life we’ve got about a hundred and
your life we’ve got about a hundred and
your life we’ve got about a hundred and twenty hundred thousand thousand people
twenty hundred thousand thousand people
twenty hundred thousand thousand people sign up for Monday cart we’ve disagreed
sign up for Monday cart we’ve disagreed
sign up for Monday cart we’ve disagreed that ten fifteen thousand that they so
that ten fifteen thousand that they so
that ten fifteen thousand that they so far and he’s pretty you know people
far and he’s pretty you know people
far and he’s pretty you know people would use the money I worked in my
would use the money I worked in my
would use the money I worked in my eighty countries now it’s been really
eighty countries now it’s been really
eighty countries now it’s been really really really fantastic so I think
really really fantastic so I think
really really fantastic so I think there’s the invest innovation banking
there’s the invest innovation banking
there’s the invest innovation banking it’s taking longer those exit our time
it’s taking longer those exit our time
it’s taking longer those exit our time to make the clear
to make the clear
to make the clear because the various ways we are so much
because the various ways we are so much
because the various ways we are so much larger it’s something like you believe
larger it’s something like you believe
larger it’s something like you believe you can more or less get started I can’t
you can more or less get started I can’t
you can more or less get started I can’t train around the regulations so not not
train around the regulations so not not
train around the regulations so not not quite new license in every city if you
quite new license in every city if you
quite new license in every city if you try that in banking your baby yeah
try that in banking your baby yeah
try that in banking your baby yeah pretty quickly this is another ten plan
pretty quickly this is another ten plan
pretty quickly this is another ten plan is to build that might actually help
is to build that might actually help
is to build that might actually help people
people
people I like necessarily mean it will do with
I like necessarily mean it will do with
I like necessarily mean it will do with all of the planets on our actually in
all of the planets on our actually in
all of the planets on our actually in between the API is open up to take me
between the API is open up to take me
between the API is open up to take me Taylor loyalty – you can shop the
Taylor loyalty – you can shop the
Taylor loyalty – you can shop the grocery store one mission help reduce
grocery store one mission help reduce
grocery store one mission help reduce metric here a place where the police so
metric here a place where the police so
metric here a place where the police so you know the public mess around we open
you know the public mess around we open
you know the public mess around we open up the crowd for signal the whole thing
up the crowd for signal the whole thing
up the crowd for signal the whole thing they can raise eight million pounds so
they can raise eight million pounds so
they can raise eight million pounds so far and 1 million that list a very fun
far and 1 million that list a very fun
far and 1 million that list a very fun interesting we reserve fund of around
interesting we reserve fund of around
interesting we reserve fund of around before you know our customs factory
before you know our customs factory
before you know our customs factory wasn’t returning public is really using
wasn’t returning public is really using
wasn’t returning public is really using one day because they kept asking us you
one day because they kept asking us you
one day because they kept asking us you know we’ve helped me like the quality
know we’ve helped me like the quality
know we’ve helped me like the quality defined features and we Metropolitan
defined features and we Metropolitan
defined features and we Metropolitan Area telling investment I’d really like
Area telling investment I’d really like
Area telling investment I’d really like it can we be part about everything I’m
it can we be part about everything I’m
it can we be part about everything I’m sorry the natural extension of that
sorry the natural extension of that
sorry the natural extension of that crisis is really nice for customers okay
crisis is really nice for customers okay
crisis is really nice for customers okay this one is amazing we break the world
this one is amazing we break the world
this one is amazing we break the world record in fact that he raised a million
record in fact that he raised a million
record in fact that he raised a million pounds in 36 seconds
”
Be First to Comment