This man is so intelligent and with a vast knowledge. He simplifies everything to even the smallest details so that the average man or even a child can understand. That’s why I watch his videos every day
He no be genius in any way. It's not the price of naira that is rising. The price of dollar against every currencies is dropping. Not because of any policies implemented by Tinubu's administration. Even in Ghana, the price of dollar against the cedis has dropped significantly. Get your facts right
@@abdulkareemjumat6950 the value of Naira can't be maintained without a good economy backing it. This doesn't address the issues with the economy, it only tries to make FX more transparent. Hence when there is more demand for Dollar, the value of Naira will still depreciate
1550 Is still high. It might still go up but we want it less than a thousand naira. Nigerians should try and patronise what is produced here and help reduce demand.
We must do everything possible to know how much a liter costs ex refinery and do what we can to bring it down to acceptable limits for production and other economic activities to thrive. Selling petrol for what it cost in the international market is not our choice its the choice of our creditors.
I pray it continues to crash, it might be bad for those overseas. But I love my country too much, and Nigeria must rise to her rightful position in Yeshua’s mighty name, amen.
Very good point. Never seen it like that before!! The more our Money get value against the dollar, there is no much point going abroad except it’s a serious project. But you will not sell all our properties here to go and wash plate abroad
I subscribed when you had less than 300 subs, it was definitely worth it. I'm happy your channel is growing. Thanks for the top notch analysis and update. You are doing a good job 👍
This analysis has made my day as a business entity who solely depends on importations as the main source of my business. Thank you very much DonAza. You made my day. 🥂
My brother, $$$ is not crashing. Currently, it is N1668 to $$. Where is the crash that you described in your presentation. Nigerian economic system still has a problem until we go into production. We import everything. We still borrow a lot. My brother, the end is not in sight. Good try, my brother. To God be the glory. Amen
When done sir. If Tinubu is any to set Nigeria on a path of success… Hmmm, it will be difficult for any one else because he is doing is work without thinking of second term. I wish him well.
I speculate he is sponsored by entities within the government. His first video is only 4 months old. How much does that electronic screen cost? Who makes the infographics and how much time do they put into it? Also, I speculate the president is rebranding as strict and fair, possibly after protecting his own interests (as northern interests accused him of doing with oil deals earlier in the year - if those accusations are true)
@@DafiriIrimaghawhy are u doing olosho upandan people's comments with the intention to manipulate them with ur myopic speculations, some of u are projects of people that taught u how to hate Tinubu without even u urself know why u hate him, the man is doing his bit to make sure things are done differently u are talking about Don Aza who is making all efforts to brake down stuffs that are to high for a layman's to understand and all u could care about is being sponsored by the government of the day, and rightly so is it a bad thing for government to use the same channel his enemies are using to demarket him to his own advantage too if he has the same resources as them??? All of u that hate Tinubu and claim to love Nigeria but never take time to pay attention to the intention of the man presiding over Nigeria means u are all confused and disoriented which unfortunately and unknown to u people that u are all a PROJECT in the hands of people who make or taught u how to hate who never offended or have any prior encounter with before for uns lives.. The irony about life though, is that human being tend to gravitate towards there FRENEMY while they ignorantly hate or dislike who genuinely means well for them.. Make Una dey check una heart o bcos all these hate Tinubu is stressful and self-poison
Naira depreciated to 1500 from 456 against the Dollar. And all the government propagandist are celebrating insignificant changes. How exactly is Tinubu setting Nigeria to success? His policies are exactly the strategies that IMF and World Bank uses to impoverish Nations, and then give them oppressive loans. Tinubu is a foreign asset.
@@michaeludeze8470 I don't know how Nigerians cannot see this, he is just following the IMF script to enslave us, we are really doomed just early this year Egypt enter trouble because of this policies and its their fellow Arab countries that bailed them out and us we still doing the same thing, I don't know which country will bail us no wonder tinubu is not thinking about 2nd term
The problem is most policies are not bad but when the people are bad nothing will work. We just make economic policy simply because the textbook says so and we don't factor in the Nigerian mentality factors. The EFEMS might be a good thing but not for Nigerian economy where people only responds to upward movement of dollar and not the other way. Current prices of goods and services is only a base for increment in response to upward movement of dollar and when dollars crashes nothing happens. That's a persistent inflation
Omooo!…e be like this T-Pain guy no kom bad as I been day rizin ohh….these policies his tenure are producing are quite favorable and fair…I still day wait for that Tax Reform Bill abeg ❤❤😏
@@osheylisticbeats T-pain is still not doing good, this was just to ensure that we have a more uniform FX rates, nothing extra ordinary, what are his policies towards making Nigeria the biggest economy in Africa ?
@@MsFayum everything that affects the prices of Fx affects the prices of commodities in the economy. I never liked the T-Pain, but I’m an objective person so I call a spade a spade.
@@olawalejunaidolawalejunaid9496 that’s your problem, his gov’t is working surprisingly, I will tell you anytime any day that I never liked this T-Pain guy but Rome wasn’t built in a day. That Tax reform Bill will be good if passed because states will become more productive then we’ll probably start to see that shift from Oil Dependence. The Naira for Crude policy reduces the demand for dollar therefore directly bringing value to Naira. Due to dangote’s refinery the demand for imported oil products has dropped therefore leading to reduced demand for dollar which we are starting to see affect naira positively. The removal of subsidies was good because it’ll lead to other sectors of the economy to be developed and not just focus on one sector (oil and gas) which will foster production and create jobs but this is a long conversation on its own, though in due time you guys will see the positivity. His gov’t isn’t perfect, there are some things I don’t agree with but somehow I’m optimistic about this T-Pain guy. I have a lot to say but I don’t like to type..😏
DonAza kudos to your interesting and basic explanation to your topics. I am glad because it’s quite ingenious and most Nigerians liking amebo will find this interesting and also get educated on topics which elude their understanding when read or listened to on main stream media. I am educated and also I enjoy your channel, keep it up my brother God bless & elevate you with more innovative ideas and contents.
We need to be a production based economy. How do we strengthen Naira if we dont export more, reduce waste and corruption, diversify our economy and stop our over reliance on crude oil . great job to you Don Aza
This is a very good invention and it will really help in providing fairness for buyers and sellers and it will help In getting records of dollar transactions and accountability, finally it will help in controlling the dollar price
All FGN money collection agencies should transparently be on that platform, their dollar earnings should be seen in real time, and how their dollar components are sold should be open.
The guy is a great teacher, who show that TPain is improving. That does not mean those who criticise TPain for crashing the naira in the first place and messing things up in other ways are wrong.
The biggest problem in Nigeria is not wealth, it is corruption within the government fro top to down. Clean up corruption and Nigerians will enjoy prosperity!
You are a good teacher. Even though I don't fully agree with your analysis, I love the way you break things down for people to understand. I subscribed yo your channel. Keep it up.
Really appreciate your unbiased analysis of various issues. Keep up the good work. We will keep an eye on the EFEMS implementation and highlight any shortcomings observed.
Christmas is the only reason that $ is 1600 as of today. Everything else is blah blah blah. For naira to improve, Nigeria have to be producing and exporting something. As of oil, its not controlled by Nigerian government
@jideakindejoye3999 inflation in nigeria is 23% yearly. In the United States, it's about 3%. This affects the value of a currency. We rely on oil production. The same oil that is on lease to some big foreign company. Dangote for instance buy "our" oil from those companies and that is why dangote price can't be cheaper. Naira can never appreciate until we focus on production of other goods that can be exported and generate revenue for the country.
😂😂😂 i love your intelligence report and your body language bro keep it up, im just laughing while I'm learning. And i just gave you speedy subscription and notification turned on
Exactly. Dollar is high against the Naira due to fundamental flaws in Nigeria's economic system - from bad governance, incompetence etc. The system he is talking about, is roughly how the interbank forex market trades, however, it is not going to sustain weak currencies.
you're absolutely right; the artificial gain so far is as a result of Diaspora remittance for Christmas, it's not related to production which means it's gonna collapse worse in January
No matter how much we produce, we can't produce 100% of what we consume , so if there's an efficient and transparent way to manage fx and it's well implemented. Let's give the Cbn some credit wether it's short term orong term. Besides, dollars don't only come on Christmas
Bro ..this is amazing... thanks for doing this..keep it up, i wish Nigeria gets so much better that even market women and men will be able to afford smart phones and data just to watch your videos. Why? Because your way of educating will bridge so much gaps
Nice work sir Another reason is the euro bound Nigeria government is selling at a higher rate. All these policies are good on the short run. The only long lasting solution is increase in supply to demand. FX is basically an effect of demand and supply. We need to seriously export things than import... That is the long lasting solution
I'd really have appreciated it if you are saying this in January ending 2025 or February ending 2025. It's a historical fact that the USD crashes heavily during Christmas time every year in Nigeria as a result of the influx of USD especially from NID (Nigerians In Diaspora). It will grieve my heart come February 2025 when things go left and you will have to eat your words. Nigeria isn't a manufacturing economy rather a consumer economy. If Nigeria manufactures/produces and exports products, then it gets paid in USD and that ensures steady direct influx of USD. When USD is in circulation, it's demand goes down and the price crashes. That's simple economics
Nigeria don't export products? But Nigerian foods and products are all over the world, or how did Nigerian restaurants and Nigerians in diaspora get their Naija food from?
Thanks DonAZA for your innovative teaching however i think this crash will be shortlived because those factors you highlighted are not stable and most importantly the economic productivity that is required to shore up the Naira is still lacking. Don't be surprised when it goes up again in January or February next year except effort are made to increase production.
Great analysis bro but this kind of stuff was supposed to be implemented long ago with banks in Nigeria is working fine outside when go to bank and buy your buy and exchange any currency you want from the bank knowing the exact rate. CBN Should keep it up
This man is so intelligent and with a vast knowledge. He simplifies everything to even the smallest details so that the average man or even a child can understand. That’s why I watch his videos every day
This guy is a fucking genius.
I really hope that this goes for long and the value of naira can be maintained
Fr
Amen
He no be genius in any way. It's not the price of naira that is rising. The price of dollar against every currencies is dropping. Not because of any policies implemented by Tinubu's administration. Even in Ghana, the price of dollar against the cedis has dropped significantly. Get your facts right
@olufunmiisaac7471 Baba, you can explain that in your own channel so leave my comment
@@abdulkareemjumat6950 the value of Naira can't be maintained without a good economy backing it. This doesn't address the issues with the economy, it only tries to make FX more transparent. Hence when there is more demand for Dollar, the value of Naira will still depreciate
1550 Is still high. It might still go up but we want it less than a thousand naira. Nigerians should try and patronise what is produced here and help reduce demand.
We must do everything possible to know how much a liter costs ex refinery and do what we can to bring it down to acceptable limits for production and other economic activities to thrive. Selling petrol for what it cost in the international market is not our choice its the choice of our creditors.
I pray it continues to crash, it might be bad for those overseas. But I love my country too much, and Nigeria must rise to her rightful position in Yeshua’s mighty name, amen.
Unless we make a traore move ,we are still pegged to dollar petro dollar and presido sighned agreement with france ,its recolo izing.lol
It may be bad for those abroad as they would start begin people in naija for pocket money.. Dey play
Them dey play with people's emotions
Very good point. Never seen it like that before!!
The more our Money get value against the dollar, there is no much point going abroad except it’s a serious project.
But you will not sell all our properties here to go and wash plate abroad
I like this man. Your body language is top notch
I subscribed when you had less than 300 subs, it was definitely worth it.
I'm happy your channel is growing. Thanks for the top notch analysis and update. You are doing a good job 👍
This analysis has made my day as a business entity who solely depends on importations as the main source of my business.
Thank you very much DonAza. You made my day. 🥂
Your videos are always topnotch to watch. Just like anti malaria.
My brother, $$$ is not crashing. Currently, it is N1668 to $$. Where is the crash that you described in your presentation.
Nigerian economic system still has a problem until we go into production. We import everything. We still borrow a lot. My brother, the end is not in sight. Good try, my brother. To God be the glory. Amen
When done sir.
If Tinubu is any to set Nigeria on a path of success… Hmmm, it will be difficult for any one else because he is doing is work without thinking of second term. I wish him well.
I speculate he is sponsored by entities within the government.
His first video is only 4 months old. How much does that electronic screen cost?
Who makes the infographics and how much time do they put into it?
Also, I speculate the president is rebranding as strict and fair, possibly after protecting his own interests (as northern interests accused him of doing with oil deals earlier in the year - if those accusations are true)
@@DafiriIrimaghawhy are u doing olosho upandan people's comments with the intention to manipulate them with ur myopic speculations, some of u are projects of people that taught u how to hate Tinubu without even u urself know why u hate him, the man is doing his bit to make sure things are done differently u are talking about Don Aza who is making all efforts to brake down stuffs that are to high for a layman's to understand and all u could care about is being sponsored by the government of the day, and rightly so is it a bad thing for government to use the same channel his enemies are using to demarket him to his own advantage too if he has the same resources as them???
All of u that hate Tinubu and claim to love Nigeria but never take time to pay attention to the intention of the man presiding over Nigeria means u are all confused and disoriented which unfortunately and unknown to u people that u are all a PROJECT in the hands of people who make or taught u how to hate who never offended or have any prior encounter with before for uns lives..
The irony about life though, is that human being tend to gravitate towards there FRENEMY while they ignorantly hate or dislike who genuinely means well for them..
Make Una dey check una heart o bcos all these hate Tinubu is stressful and self-poison
Naira depreciated to 1500 from 456 against the Dollar. And all the government propagandist are celebrating insignificant changes. How exactly is Tinubu setting Nigeria to success? His policies are exactly the strategies that IMF and World Bank uses to impoverish Nations, and then give them oppressive loans. Tinubu is a foreign asset.
@@michaeludeze8470 I don't know how Nigerians cannot see this, he is just following the IMF script to enslave us, we are really doomed just early this year Egypt enter trouble because of this policies and its their fellow Arab countries that bailed them out and us we still doing the same thing, I don't know which country will bail us no wonder tinubu is not thinking about 2nd term
The problem is most policies are not bad but when the people are bad nothing will work. We just make economic policy simply because the textbook says so and we don't factor in the Nigerian mentality factors. The EFEMS might be a good thing but not for Nigerian economy where people only responds to upward movement of dollar and not the other way. Current prices of goods and services is only a base for increment in response to upward movement of dollar and when dollars crashes nothing happens. That's a persistent inflation
Naira na small pikin wey no fit stand up on is own 😅😅😅 You get mouth shaa
Wen I listen to you, e Dey do me like say I Dey class. You sabi break things down pass many lectures wen teach me for Uni 💯
Make NNPC hear you say, their refinery day behave like drunkard 😂
😂😂😂😂 trueooooo
Omooo!…e be like this T-Pain guy no kom bad as I been day rizin ohh….these policies his tenure are producing are quite favorable and fair…I still day wait for that Tax Reform Bill abeg ❤❤😏
You nu lie.... I dy reason some of the policies and they are not bad long term
@@osheylisticbeats T-pain is still not doing good, this was just to ensure that we have a more uniform FX rates, nothing extra ordinary, what are his policies towards making Nigeria the biggest economy in Africa ?
So na ur comments some pupu go use still vote 4 Tpain, una mumu neva ripe?
@@MsFayum everything that affects the prices of Fx affects the prices of commodities in the economy. I never liked the T-Pain, but I’m an objective person so I call a spade a spade.
@@olawalejunaidolawalejunaid9496 that’s your problem, his gov’t is working surprisingly, I will tell you anytime any day that I never liked this T-Pain guy but Rome wasn’t built in a day. That Tax reform Bill will be good if passed because states will become more productive then we’ll probably start to see that shift from Oil Dependence. The Naira for Crude policy reduces the demand for dollar therefore directly bringing value to Naira. Due to dangote’s refinery the demand for imported oil products has dropped therefore leading to reduced demand for dollar which we are starting to see affect naira positively. The removal of subsidies was good because it’ll lead to other sectors of the economy to be developed and not just focus on one sector (oil and gas) which will foster production and create jobs but this is a long conversation on its own, though in due time you guys will see the positivity. His gov’t isn’t perfect, there are some things I don’t agree with but somehow I’m optimistic about this T-Pain guy. I have a lot to say but I don’t like to type..😏
Imagine learning macro economic 4 this guy language Havard student go salute
Double thumbs up for you Don Aza. Well analyzed.God bless.
DonAza kudos to your interesting and basic explanation to your topics. I am glad because it’s quite ingenious and most Nigerians liking amebo will find this interesting and also get educated on topics which elude their understanding when read or listened to on main stream media. I am educated and also I enjoy your channel, keep it up my brother God bless & elevate you with more innovative ideas and contents.
Well done Donaza. You're a luxurious financial analyst. Kudos to you and the current CBN Team.
We need to be a production based economy. How do we strengthen Naira if we dont export more, reduce waste and corruption, diversify our economy and stop our over reliance on crude oil .
great job to you Don Aza
This is a very good point. My company will greatly benefit this way
Never a boring moment with this channel…💯👍
This is a very good invention and it will really help in providing fairness for buyers and sellers and it will help In getting records of dollar transactions and accountability, finally it will help in controlling the dollar price
Thank you, your class is always insightful and easy to understand and follow.
We go know how long e go last. Sustenability na d Koko. No be today the rate dey shake.
All FGN money collection agencies should transparently be on that platform, their dollar earnings should be seen in real time, and how their dollar components are sold should be open.
Guy,you too much,mainwhile some people will still not understand it, and still comdem the policy.lets give them a thumbs up.
The guy is a great teacher, who show that TPain is improving. That does not mean those who criticise TPain for crashing the naira in the first place and messing things up in other ways are wrong.
The biggest problem in Nigeria is not wealth, it is corruption within the government fro top to down. Clean up corruption and Nigerians will enjoy prosperity!
You are a good teacher. Even though I don't fully agree with your analysis, I love the way you break things down for people to understand. I subscribed yo your channel. Keep it up.
Thank God for VDM. Everything dey gradually adjust for 9ja
Thanks for the analysis, I done read this EFEMS tire wey I no understand, but it's clear after ur lecture. God bless you
Donaza you aie really doing a great job with the explanation . Keep it up sir
Really appreciate your unbiased analysis of various issues. Keep up the good work. We will keep an eye on the EFEMS implementation and highlight any shortcomings observed.
Very nice video. I love your lecture style.
You just gained a subscriber
Christmas is the only reason that $ is 1600 as of today. Everything else is blah blah blah. For naira to improve, Nigeria have to be producing and exporting something. As of oil, its not controlled by Nigerian government
So you didn't do Christmas last year abi,
@faskwillad4765 it has always been like that every Christmas. Research the data.
Xmas is the major reason but trust me the electionic system wud reduce manipulation in price
@jideakindejoye3999 inflation in nigeria is 23% yearly. In the United States, it's about 3%. This affects the value of a currency. We rely on oil production. The same oil that is on lease to some big foreign company. Dangote for instance buy "our" oil from those companies and that is why dangote price can't be cheaper. Naira can never appreciate until we focus on production of other goods that can be exported and generate revenue for the country.
@@anyimmichaelikwhy didn't it gain December last year?
The minimum tradable amount is $100,000.00, with incremental clip sizes of $50,000.00.🤔
Thanks for sharing your information with us.
Just discovered your channel. I love your style of content.
You're a genius.
Definitely subscribed!
😂😂😂 i love your intelligence report and your body language bro keep it up, im just laughing while I'm learning. And i just gave you speedy subscription and notification turned on
Dollars is still on a high side we need to produce what we consume
Yes.
Exactly. Dollar is high against the Naira due to fundamental flaws in Nigeria's economic system - from bad governance, incompetence etc.
The system he is talking about, is roughly how the interbank forex market trades, however, it is not going to sustain weak currencies.
you're absolutely right; the artificial gain so far is as a result of Diaspora remittance for Christmas, it's not related to production which means it's gonna collapse worse in January
You're right. As long as Nigeria doesn't produce locally, this downward dollar trend can't be sustained for long.
No matter how much we produce, we can't produce 100% of what we consume , so if there's an efficient and transparent way to manage fx and it's well implemented. Let's give the Cbn some credit wether it's short term orong term. Besides, dollars don't only come on Christmas
Thanks for the explanation. QED
Bro ..this is amazing... thanks for doing this..keep it up, i wish Nigeria gets so much better that even market women and men will be able to afford smart phones and data just to watch your videos. Why? Because your way of educating will bridge so much gaps
Nice explanation. Thank you
Weldone Don. You are doing a great job.
Thanks for explaining it how we all can understand.
Finally, we can begin to give PBAT his flowers
Don Aza, you are too much, I love your analysis...please, keep updating us with this kind of update..its gives us hope. 👍🙏
Na this kind content I dey always like because e dey go education to a lay man.
God bless you my bro😊
Nice work sir
Another reason is the euro bound Nigeria government is selling at a higher rate.
All these policies are good on the short run.
The only long lasting solution is increase in supply to demand.
FX is basically an effect of demand and supply.
We need to seriously export things than import...
That is the long lasting solution
Sincerely, I usually commend your explanation, you always tutor people in a layman way
Good work sir well done
But I pray it will continue like that.
This is a very good analysis. Thank you.
Method of your teaching attracted me.😮
Thanks for the good work you are doing here. I love how you make detailed explanations ❤
I'd really have appreciated it if you are saying this in January ending 2025 or February ending 2025. It's a historical fact that the USD crashes heavily during Christmas time every year in Nigeria as a result of the influx of USD especially from NID (Nigerians In Diaspora). It will grieve my heart come February 2025 when things go left and you will have to eat your words. Nigeria isn't a manufacturing economy rather a consumer economy. If Nigeria manufactures/produces and exports products, then it gets paid in USD and that ensures steady direct influx of USD. When USD is in circulation, it's demand goes down and the price crashes. That's simple economics
Nigeria don't export products? But Nigerian foods and products are all over the world, or how did Nigerian restaurants and Nigerians in diaspora get their Naija food from?
Great! We’re moving along slowly but surely
Student Wey no attend dis class go fail exam aswear.
My note book 📖 don full. 😅
Amazing presentation. ❤
Keep up the good Job Bro. One love from Katsina State
I've been seen ur videos on Twitter but I just bumped into it now on TH-cam here and ave followed you.. It's so educative
Impressive takes on the EFEMS and more @DonAza.
I just subscribed to your channel.
Thank you so much for your explanation, good job 👍
Thank you for your perfect analysis ❤❤
“Dem no Dey sleep, dem Dey think dem Dey think” 🤣🤣🤣
This is good .Good work bravo
You are genius my bro wow I’m so impressed with your explanations
Fantastic one 👍
Good and excellent analysis
i am so happy with the developments coming. IT all sounds good to me.
I'm glad the government is thinking
THIS IS A VERY GOOD SYSTEM. LOVE U BRO
You’re the best in explaining everything situation
Great teacher…never ending content.
This is brilliant. Even the current edo APC governor can understand this 👌
Sarcasm 😂
I saw what you did there bro 😂. The guy is a good teacher
I have some huge dollars in my Dom but I'm very happy and I'm not even exaggerating. I'm proud of the changes.
Thanks DonAZA for your innovative teaching however i think this crash will be shortlived because those factors you highlighted are not stable and most importantly the economic productivity that is required to shore up the Naira is still lacking. Don't be surprised when it goes up again in January or February next year except effort are made to increase production.
That's it! Except the system is corruption-proof, which is impossible.
We are getting there, any trick will be implemented, all it will takes is time, no quick result
Wow Buhari was actually working for his Hausa people. He could not implement anything that will take Nigeria forward.
That was why he gave all his brother licence for Breude de change.
MUMU
Naira value more...is more solid..you don't see that, but is like this.
My brother, God bless you. You sabby the work proper
I am happy. Thanks..hopefully it will better to N1000 by Xmas
Student that downloaded this course let gather her. The best lecturer is here.
We need a system like this for agricultural produce. Garri Matching System.
Keep up the good work👍🏾
Great job bro! I always enjoy watching your videos. You make things so simple for every one to understand.
Few ppl miss this class Eco 206 Dollar crashing in Nigeria
❤❤❤❤
I like this guy analysis
You’re a very good and funny teacher🫂🤣🤣.
Thank you.
What does effect in the market, bcos fuel dey high price, custom duty dey high side, so this are the 2 factor that make things hard for Nigeria
Very happy oo, Don. Very many thanks.
Very informative 💯💯💯 🔥🔥🔥
Thanks for the information.
Thank you so much Sir, you are the best.
Best simple explanation
I hope it's credibility, as explained, would stand the test of time and won't be manipulated.
You are doing a great job
Shine ✨ on
Love ur video it’s enlightening
Alhamdhulillah for all
Dollars dey crash, food prices still dey sky rocket. Rubbish😮
Great analysis bro but this kind of stuff was supposed to be implemented long ago with banks in Nigeria is working fine outside when go to bank and buy your buy and exchange any currency you want from the bank knowing the exact rate. CBN Should keep it up
You are excellently competent
Kudos to you , well explained🙏