Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
the Order Kerni Whoalbury and a waddery woman. And before we get started on She's on the Money podcast, I would like to acknowledge the traditional custodians of the land of which this podcast is recorded on a wondery country, acknowledging the elders, the ancestors and the next generation coming through as this podcast is about connecting, empowering, knowledge sharing and the storytelling of you to make a difference for today and lasting impact for tomorrow.
Let's get into it.
She's on the Money, She's on the Money.
Hello, and welcome to She's on the Money the podcast Millennials who want financial freedom. Welcome back to another shop back money Dairy Monday, where we get to talk to a community member to learn about them, their money and all of the fun bits and pieces in between. Victoria, I have a pretty hectic one for you this week. To be honest, this diarist is an absolute true but there is no other word for it.
Oh, I want to hear it. Let's go and.
Just before we get into it, I do want to put in a content warning. We talk about some pretty heavy topics in this direst email. You know, if you find concepts like physical and mental injury or life and death experience is something that's a little bit hard to listen to, this might not be the episode for you. So our diarist says, I grew up in the country
with my parents running the local Chinese restaurant. After many different roles, I joined a frontline emergency services job in two thousand and nine, stationed in Western Sydney, and I was medically discharged last year with PTSD and a physical injury. My partner was diagnosed with cancer in feb of twenty twenty, and he passed away in October last year, leaving behind an eighteen year old and a twenty two year old. His will was old and it was in the midst
of being updated when he passed. He was too unwell to sign the final draft. Over this time, I also had somebody try to steal my identity. I have been in a lot of therapy due to my PTSD, but in January my psych past which complicated things tremendously as I was in the midst of suing my former employer. I'm okay for money right now. Due to a payout from work cover, but I'm not sure how my partner's estate will settle. I look forward to sharing my complex story with the community.
Holy moly, Jess Money Diarist, Welcome to the show. How are you.
Oh?
You know, it's a bit confronting hearing it all back. And I think my self talk is pretty pretty low. So I normally ex say to myself, oh, you know what, you just need to suck it up. But I was listening to that story and I thought, my god, that poor human.
Yes, too much, actually too much to suck up. That's not a thing, is it's not a thing? Like I just feel like that negative self talk is absolutely serving nobody. And anyone who just heard that story would be like, oh my gosh, like that is blow after blow after blow.
Yeah, it's a bit relentless at the.
Moment, it would feel that way. All right, let's get into the structured questions so we can get comfy, get on the same page, and then we can have a bit more of a chat on the other side of this episode, Money Diarist, can you tell us a little bit about your money story?
Yeah, So, like I said, I grew up in regional New South Wales when my parents owned a little restaurant. We didn't talk about money a lot at all. But I worked at the family restaurant, so I learned really good work ethic, but probably didn't really learn the value of money, not that I was given everything, but more that I had to work for what I got.
Did you have a salary?
I got paid ten bucks and start his slave.
Labor, slave labor, I mean, when it's your family, though, what are you gonna do?
Exactly?
So I moved to Sydney when I was eighteen to study hospitality, and I had a boyfriend at the time who I ended up supporting for a couple of years, and then I broke up with him. I moved to Queensland when I was twenty one and then moved back to Sydney for a guy who is now my ex, and continued working in hospitality or probably worked anywhere up to three jobs at once, and I was living pretty
much paycheck to paycheck at that stage. I did end up studying massuch therapy and mine now ex talked me into joining an armored the emergency services when I was twenty seven. When I started working there, and then in twenty thirteen he cheated on me and I pretty much walked out the door with my dog good. We've been together for about ten years and he had a pretty decent property portfolio and I refused, I wouldn't take any
of it. I ended up getting together with my partner, and then in early twenty nineteen is when I went off work with my psychological injury, and then I did therapy all through that year pretty much, and then I had surgery on a physical injury from work, and two weeks after my surgery, my partner was diagnosed with cancer.
And then we pretty much spent eighteen months juggling my treatment and his treatment, and I was medically discharged from work last year early last year, and he passed away late last year.
That is a shit show. There's no other way cat that, Like I can't be like, oh are you really, like if you're okay? Like I do not understand like how anyone could be okay after that, Like that is a lot to go through. I admire your strength.
Thanks. Yeah, So I now have two legal matters going through with my employer or my previous employer, and as well as my partner's estate, which is just anny ay.
And something you don't need after going through such a traumatic experience as well. And I'm so sorry that that is the case.
Thanks.
What was your partner like?
Oh he was frustrating.
They all are.
Oh no, he was frustrating and he was funny. We we were like peas in a pod.
No, I'm so sorry to food. Good joint loves are very important. Was he also a dog person?
Yes, you can see the pictures behind me. This one was his dog.
Yeah.
This dog here is the one that I took from my ex.
Yeah good, this one is my terrible naughty puppy because this guy he passed away.
Oh my gosh, he has the cutest, cheekiest It's beautiful art actually really lovely for everyone who can't see. She's got beautiful portraits of her Pappa's on the back wall which are just gorgeous.
Yeah, they're stunning. And that one on the far right looks so cheeky, like he just looks like he's naughty.
She's the devil child.
Get along with Lucy, all right, money, darist, I want to know the next question is what do you do for work and how much money do you currently earn?
Well?
I actually I like to tell people that I'm a stay at home dog.
Mum at the moment, live in the dream.
Yes, I'm on.
Payments of seventy five thousand a year and part of my payment is paid fortnightly and part of my payment is paid.
Monthly's interesting and confusing. That would be hard to budget for.
It is very confusing sometimes.
So what does that leave you with? Because obviously you've got someone going medical expenses like on a month to month or fortnite' to fortnite basis, what does that mean hits your account? And how much is usually left in terms of wiggle room?
So fortnightly I get paid about one thousand dollars and then monthly I'm paid about three thousand. So at the moment, my insurer is still paying all of my medical expenses, so that's a bit of the bonus good. So that basically comes in and I'm okay as well as like, we're probably going to get into this in a little bit with loans and stuff. Because the mortgage is in my partner's name. Everything has been put on a whole, so I'm not making any mortgage repayments or anything like that.
And the only other loan that we had was on the dream car that we bought, and again because that's in his name, it's all been put on hold.
That is so fickle and so confusing, and also a really good example of why it is so important to have an up to date will, because no one thinks about it, right. You just go, oh, I have a will, It'll be fine. But an up to date will doesn't change your life, but it changes your family's life and the people that have to deal with everything after you're gone.
Definitely.
I keep saying people, I'm really forceful. I'm always like, have you got a will? If you don't have a will, like, I will punch you in the favor.
Just for the people.
You love the aggression. I love it. It's like all of my clients come and see me and I'll sort out your finances, and I ask a question. I'm like, will's in estate planning? Where are we at nearly? Oh, it's fine, we're young. I'm like, cool, So I'll book a meeting with Lucy. You're going to go, You're going to do this because we're not having this conversation later. But it is something that so many of us just don't think is a p because we're young, right.
Yeah, and definitely, And I keep saying to people, we gave, but what happens if a plane falls out of the sky and lanes on top of you, Like what happens?
Then yeah, exactly. We've got to expect the unexpected and prepare for the worst. But I want to ask the next question, my friend. I'd like to know, do you have any investments.
I have my super yes, which is sitting at seven hundred and one thousand.
Wow.
Wow, what seven hundred and one thousand. I think you've got the highest super fund of anyone that we've ever had on money diaries.
So I probably need to explain that.
Because of my injury, I was paid out my TPDEAH insurance, so that was five hundred and forty thousand, and that was put in with my super. So I actually spoke to a financial advisor and he said, there's no real point you're taking it out justly but where it is until you've decided what you want to do with it.
So it's just great in their duldens.
And I also have just a little Rai's account that's got about two and a half thousand.
Indn't it great? How good? Next question, do you have any debts.
No, not well, yes, but no, so not in my name. I don't have any debts, but our mortgage and the car loan is in my partner's name. So I think we're owing about one hundred and fifty on the house. And we bought our dream car, which was Aline Cruiser, and we've got fifty five thousand left on that.
Land Cruisers are speno, but in this market they hold their value so arguably not the worst investment. Let's be honest.
It's worth more than what we paid for it.
Honestly, everyone who has a land Cruiser keeps telling me that. And I've got a client and he knows who he is. He listens to the episodes. He bought one, and he's like at the time, he's like, Victoria, it's a good investment. And I was like, you've got rocks in your head. Boy, did I learn?
Ha ha ha.
Yeah, they're not cheap.
They are not cheap. Next question, do you use shop back by chance?
I do.
I actually use it for these three guys. I shop through pet Circle there, but I don't really do much shopping or online shopping, to be honest with you, but I do use it a little bit with pet Circle, and you know, if I've got birthdays or something coming up.
Occasionally, I feel like it's just helpful for those things that you were going to buy anyway, not necessarily like going shopping. But pet Circle great money win. I'm going to get some more cash back because small gripe of mine. How expensive pet food is?
Like?
What great?
Oh?
And my dogs they eat so much?
All right?
I want to know what is your best money habit?
My best money habit. I'm pretty good at waiting things out, like, oh, wait for a good price on something. And I'm not scared of haggling. Like I said, we bought a land Cruiser in twenty twenty, and your friend who you were talking about before will probably be a bit impressed that because they retail it about one hundred and four thousand, and I haggled them down to ninety four.
Oh.
And I have, yes, no clue why they gave it to me for that price.
I love that. I love that. Just for context, I think he spent close to one fifty and then did all of these upgrades and stuff on it. I don't understand. I just was sitting there being like this is a bad idea, but turns out. It was good idea. I feel like haggling these days is very underlooked. People don't do it. Do you find yourself haggling on a lot of big purchases? I mean you can't go to pet Circle and be like, hey, can I spend less on pet food? But things like cars and really bad purchasers.
Oh that's not true.
Not if you go online and find a cheaper price online, you can speak to the pet Circle people on their little chat and then they'll go and have a look at it and then they'll give it to you for the same price.
Oh my god, I'm going to do that. I'm going to do that too. Money win, she is for that? What is something you wouldn't haggle in that case?
Oh? Like, I'm not going to go to the supermarket and hagle there.
You're not the type of person to peel the bananas before trying to pay for them.
No, not that girl.
Yeah, okay, all right. On the flip side, what is your worst money habit?
So my worst money habit is I'm probably not brave enough to invest or put money into a term deposit, and I know I really want to, and I've got money there to do it, but I'm just like, oh, I don't know, should I do it? I'm a little bit It makes me just a little bit anxious to be honest.
I get it, I get it. It's all about education, though I'm making steps that make sense to you, and to be honest at this point in your life, I feel like that is a stress you just don't need. Knowing enough about your financial circumstances, your age, and what's in your super You're going to be just fine even if we wait another twelve or twenty four months until everything just feels a little bit clearer. I think that this is it's just one of those things where it's like,
let's take that load off. And I think that there shouldn't be any pressure to start an investment journey when you're stressed about other things in life, like life needs to sometimes come first. And I think that you're doing the right thing by going in a what not my circus, not my monkey's this week. I've got enough going on because it's just another added stress, And the start of an investment journey does involve you being quite involved in it, right,
Like you need to know what decisions you're making. It can't be something that you just set and forget from the beginning, because we really need to make sure that we're making the right decisions that are in line with our values and goals. But right now it sounds like a little bit of a tumultuous time. So let's come back to that one at some point, my friend, all right, last question before we go on a bit of a
deep dive after the break. I'd like to know what grade would you give yourself if we force you to give yourself a money grade.
I would probably give myself like a bee.
I was much worse with my money than I am now, and I'm learning a lot. I've been pretty good with my savings, to be honest with you, because I have about one.
Hundred and thirty thousand dollars.
Saved, oh my goodness, jobs in several different bank accounts. So I'd probably give myself a bee because I feel like I could learn much much more and I could be a bit smarter with it. But at the moment, again, but a little bit going.
On, Yeah, exactly, I would think that a bee is a little bit harsh given how well you're doing, how you've got good savings, good cash flow habits, You've got epic super I would think that you are not giving yourself enough credit, which I think might be a theme that runs through your life at this point in time.
Well, you I'm pretty good at being pretty hard on myself.
I'm picking up that vibe. But let's dive into that after this very quick break money diarist.
I want to kind of start at the start of your message and talk about your injuries. And I really like that you referred to your PTSD as your psychological injury, because I really believe in the power of words, and I think that too often psychological problems are kind of not addressed with the same level of seriousness or directness that physical injuries are. So I just want to say I really like that you did that, and I will
be doing that going forwards. But obviously juggling a physical and psychological injury at the same time would be very challenging. And there has been a history in you know, the emergency services of things sometimes you know, not being maybe dealt with in a way that you would hope for them to be dealt with, And I wanted to talk to you a little bit about that experience because you said you're still going through legal battles today, Can you tell us a bit about what happened?
So for me, it was a little bit of a build up of, you know, being exposed to a lot of traumatic incidents over a long period of time, and then I went to work and was with an incident that when I walked away, I was really angry at myself with how I dealt with it. So it's actually considered like a moral injury because you've done something that
is you would not normally do or think. So I actually ended up doing CPR on a local drug dealer who I really despised, and I remember walking away thinking, a uf and series, this is the one person that I get to try and save today.
I mean, I can't even begin to imagine. But it's such a testament to you as a person. To be able to put your own personal feelings and all of the things that you were dealing with at the time to put them aside to do your job to save somebody's life is nothing short of incredible. And regardless of the choices that that person made, there is one more person in this world because of you, and that is just amazing.
That's so special, And I just feel like as a frontline worker, you get dealt these cards where you can't really place judgment over these things, like you're doing your job.
How big of a gap was there between that psychological injury occurring and then your physical injury.
My physical injury actually occurred first.
Okay, So.
When I got my physical injury, I really didn't think anything of it, and I just put in a form to say, you know, I've done this. I think there might be an injury, but I'm okay. I didn't get any treatment for it at the time, and then several months later I was at the doctors and I was speaking to him and then spoke to my physiotherapist and she was like, oh, I really think you may should maybe have a look at getting some skins done on it.
So I went did that and then went back to the insurance company was like, hey, listen, this is what's come up in these skins, and then they pretty much took coverage of it. And yeah, so I ended up having to have surgery to repair the ligament in my wrist, So that was pretty delightful.
Yeah.
No, it wouldn't have been. No, it wouldn't have been.
It has taken a long time to rehab risks.
Are so complex because there's so my partner's actually a physico, and there's so many tiny, little minuscule bones in there. And turns out you actually use your hands a lot in day to day life and you have. So that happened. You did the right thing. You filled out the form. The insurance that you were referring to. Is that your personal insurances that you had, or insurance through your employer.
No insurance through the employer.
Yeah, okay, So they looked after everything there and then fast forward quite a few years to today. Where is the sticking point with your employer? What is embroiling you in this legal battle that stretched out over so much time.
So just because we're now at the final stages of litigation with the insurance company as to whether or not they are liable for my.
Injuries, yeah okay, And I'm assuming that pertains more to the psychological injury than it does to the physical, Is that correct? Yeah? That seems to be pretty standard in
frontline worker like life. But it actually disgusts me, like the idea that the people that literally put their lives on the line, like you spoke before that you did CPR on a drug dealer, Like that is putting yourself in And I'm sure you've been in a million more dangerous situations that I don't understand and you know don't know about, but like that's a circumstance that not every single person would be willing to put themselves in for the you know, greater good of the community and of
our you know, our space and our world, and then things like this happen and you're not put in an optimal position, like it just it makes me so angry to think that you have to go through this and you have to put your time and your energy and your effort into making this happen, because ideally, if it was up to them, it would have been swept under the rug. I'm assuming that's exactly right.
It would have been you know, me just being a number and then them being able to replace me so easily.
It's actually disgusting. So talk to me about next steps. All of this is happening. You've been through a lot in that space, and then you went through everything with your partner in addition to this, Like how are you doing, how are you dealing with this? Like what's going on at the moment and what support are you getting, because obviously that is so essential to this journey.
I'm probably pretty lucky, and I really built really good support network around me, so I made sure, like you know, I was pretty demanding with my treatment, so my psych injury in particular, or I demanded, you know, the best, the best psychologists and the best psychiatrists. And then I'm super lucky to have the most amazing friends.
And family.
So I've relighted heavily on that with my psych injury. I have also done like so much therapy, like group therapy and stuff. And in one week I go to a mental health facility for a little holiday away just to try and deal with some of my own stuff.
I think that is a very good step in the right direction, and the support there twenty four to seven will mean that you can just focus on you.
I'm super excited to not even have to cook my own food.
I was going to say the real benefit of those places, and a very close family member of mine spent some time in a facility, and the benefit is really that, you know, as a human being, you take on so many little loads, like you said, the cooking or trying to keep on top of the housework and going to somewhere where all of that is alleviated and stripped back, so you can really just be with yourself and focus
on you and everything that you've been through. I think there's a lot of stigma attached to it, and I think it's so ridiculous because actually, for a lot of people, it's actually what you need is just the clarity of sitting with yourself.
Yeah, definitely, I just need a little bit of time out from the everything that's going on and just some time to deal with everything that I'm going through.
I agree. I think it is a very positive step in the right direction. But I want to ask because unfortunately, when it comes to frontline workers, this isn't the first time I've heard in our community legal battles going on between you know, different services and previous employers because of physical or mental injuries or even bullying. I just feel like I think I'm in a very special pasion right
like you guys. I hope and trust me with your stories and trust me enough to reach out when these things happen, And obviously I'll bend over backwards to make sure you're in an okay position. But it just seems all too prevalent. What support are you getting? Obviously you've got a really great support network, but are there resources that you've been leaning on that other people in our community might be able to lean on as well? Or like,
how are you dealing with this? And I won't say so well because I'm sure you don't feel so well, but I'm genuinely like what how is she going through all of this and still going like, oh, I have negative self talk? Like no, I want to pick you up and hug you and send you on a holiday and be like what can I do? Well?
I'd love a holiday.
So, you know, if it's you know, dealing with, say a mental health issue, I always suggest to people, you know, you go to your GP and you speak to them and get yourself a mental health plan because they will cover either the whole cost or part of the cost to see a psychologist or accounts or something like that.
So that's what I've always sort of suggest. As for you know, when I was working in emergency services, I don't think I took up any of the services that they provided with, like for psychological stuff or anything like that. I guess there was that still that stigma and I didn't want to be tired with that brush.
Now I'm a bit like, shit, I'll tell you everything.
Yeah, yeah, And I feel like that's also relatively common as well. Like a lot of people that we've previously discussed this with are very much on the page of they don't want help from internal psychologists or internal support because they just feel like it might be used against them or might not be taken as seriously, whereas you know, external help might be a little bit easier on you and the process might be a little bit more comforting.
It's a hard position to be in, and I just look at it and go, there's something wrong with the system if this is like these are the situations that you're finding yourself in.
It's so hard, Like you don't want to be that person who's gone off with the head noise is right, and then you come back and nobody wants to be like working with you, or they don't want to, you know, they don't want to associate with you because for whatever reason, it's a really harsh stigma. And I mean, even since I've been off, I've noticed that the people who stay in contact with me are few and far between. There's
quite a lot of people who you know. I thought I was really good friends with at the time because we work together a lot, and then you know, I've not heard boo from them since.
I hate that. But traumatic events often help you find who your true friends are. And as much as it feels like a loss, something that I said to a friend the other day is sometimes you lose something and it's not a loss. Like sometimes when you shed something, it feels like a loss because you're like, wait, that was so good, but it actually wasn't because it was all not real. It wasn't authentic because if it was, they would have followed up with you, they would have
cared about you. So not everything you lose is a loss, my friend.
Oh that's so true.
All right. Shifting back to your partner, that is just a blow that nobody ever needs, especially going through what you're going through. I genuinely just cannot imagine. But to add insult to injury, you're also now having to deal with the will and the estate planning process. You mentioned before that his will was outdated. What does that process look like for you now and how are you dealing with that?
So my partner, he was previously married and he has kids, sick his ex wife, and at some stage previously.
You know, before me, there was a will.
Written and it is signed, and it's somewhere, but we don't know where. He was in the process of rewriting a new will and had written up a document which he'd sent to a solicitor, and when she sent the draft back was actually the day that he went back into the hospital for the final time, and by the time I got in to see him, he was so doped up on morphine and drugs that he wasn't able to sign it. So I contacted the solicitor and I said, listen, I'm really sorry, we won't be able to do this.
She said, that's fine, because we have this document.
We may be able to just run it like as per usual because it's a document that he's written.
Yep.
Anyway, so he passed away.
I contacted the solicitor to start the whole process, and she basically came back and said to me, she said, oh, that document, We've had another look at it and it's probably not quite as water tight as it needs to be. She said, we need to make attempts to try and find the old will, and if we find it, then you're basically going to have to go to court and we're going to have to contest it to bring this new will into play.
Ah and all because of a signature.
Yes, and then also a lot of things that you know, sometimes you don't know until you've been through it. So his kids are eighteen and twenty two, and in the document that he wrote up he had requested that they don't get the money until they're twenty five, but he
hadn't set up any trusts or anything like that. And also the money his life insurance had beneficiaries listed, which were the two kids, and I think he thought that that would just automatically pay out the house and the car loan and then go into.
The estate and then be divvied up.
And that's not how it works. The same sort of thing for his superin stuff like that. And then you know, so it's all a lot of waiting around and my signature here and a signature there, and filling in this document. So it is a bit of a nightmare.
And I implore people to just get a will agreed, and get a good one because, as you're finding out now, just having a will doesn't mean it will be facilitated in the way you want it to be facilitated.
So the example you just gave before, you said that there are beneficiaries on his insurance and he's super and he assumed that maybe it would pay off the house and car and then be divvied up. Unfortunately, for that to happen, it would have had to nominate the estate first and then have a will that supports that. That means that it would be divvied up after whatever is left over, after getting rid of any debt and making
sure that everything's good. But that's something that you know, the average person isn't going to know or even know how to facilitate. One of the most important things that you can do for your family is talk to a wills and estate planning lawyer and just get it drawn up.
Like as much as it's not something we want to talk about, like it is really morbid, right, Like it's not something that anybody wants to face, Like facing your o immortality is not a nice conversation, But being able to have that conversation while that person is still there is not only very constructive and puts everyone in a better position long term, but also costs everybody far less money because at the moment, you'd be going back and forth with a solicitor and you know, making sure that
everything's paid for and to go to court costs money, whereas a good estate plan can cost anywhere between one thousand and you know, three thousand dollars depending on who you go through and what that looks like and what your structure looks like. And obviously that's just my experience as a financial advisor who does work quite closely with the state planning lawyers. But I just go, that's an investment that you make for your future and for your family.
Like you don't get a will for you, you get a will for your family to not have to go through the circumstances that you're going through at the moment, because it's a headache and it's painful, and we want time to grieve the loss of this beautiful person, not have to chase up paperwork and you know, consistently be asked questions in such a clinical manner like, let's use that time far more effectively. So I'm so sorry that
you're going through that. It honestly breaks my heart to think that someone in our community is just having a shitty time like honestly, like calling out what it is. It's just terrible. I'm honestly it breaks my heart. But the next question I do have is how can we support you as she's on the money, Like, what can we do? How can you know she's on the money support you and people like you going through these circumstances?
Is it about you going all right? Well, I just want everyone to get will and their estate plans sorted. I just want, you know, people to reach out more or how do we want to approach that conversation? Because sometimes you know, I'm sure that a lot of people in your life just don't know how to start the conversation. They're just like I don't know how to even talk to her because she's been through so much and we don't want to offend or upset her. Like what do we do?
I don't know.
No, I'm pretty open and honest about everything. And like I said earlier, like that's probably the first question I asked most people when I see them, as have you got a will? And they love that. I go on and say if you don't have a will, like I will slap you, And like you said, you know, you don't get a will for yourself. You write that will for the people that you love, and it's your legacy.
Legacy is a beautiful way of putting it as well.
Yeah, just do it like because otherwise nothing that you want or nothing that you expected is going to happen.
And if you do want to learn more about wills, we did do a full episode on them and why they are so important because money direst We are very very aligned on that viewpoint with you. But thank you so much for being so candid with us. I think that what you have been through is nothing short of horrific, but there are lots of people who will be able to relate to elements of it, and if you are going through something really difficult, we will have a link
in the show notes to Beyond Blue. They are fantastic free not for profit that work really closely with people in the mental health space. Because, like we said earlier, your mental health is so important and I am so supportive of people taking it seriously and giving it the attention that it absolutely deserves.
Thanks so much for having me, guys, No, thank you for being so generous with your time and with your story. I'm always very grateful to share stories with our community, but yours especially I think is going to impact a lot of people. And I know that you have everyone in the Shoes on the Money community behind you, like I know who everyone is listening at the moment going oh my gosh, she needs to be so kind to herself,
Like what a beautiful human. So thank you for one being in our community and too sharing your story.
I'm just so grateful, thanks so much, really appreciate.
It, Jess.
Now can you wrap the boring but important stuff?
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Bye,