Monkey to Millions | Grace (Session 10) - Back to NYC, IB Internship Ramp & Financial Modeling Training - July 1, 2020

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In this episode, Grace gives us an update on her move back to New York City and how her IB internship is starting to ramp up activity with work on a pitch. We also review a plan for her to do another mock next time we meet focused on behavioral questions and how she should carve out some time to start going through the new WSO financial modeling courses as well.

 

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WSO Podcast (Episode 10) Transcript:

Patrick (CEO of WSO): [00:00:23] Hello and welcome. I'm Patrick Curtis, chief monkey of Wall Street Oasis. And this is Monkey to Millions, a show where you get a front row seat as I mentor young students and professionals to try and help them break into their dream jobs. In the first cohort, you'll meet four students, all preparing for intense job interviews while trying to also balance a personal life and schoolwork. The goal of this show is to shine a light on the struggles of trying to break into competitive positions with a nontraditional background and to give you a roadmap for your own success. My hope is that as you get to know these four impressive students, you're inspired to dream big. Remember, these are real people and this is their true story. Let's get to it. In this episode, Grace gives us an update on her move back to New York City and how her IB internship is starting to ramp up activity with work on a pitch. We also review a plan for her to do another mock next time we meet focused on behavioral questions and how she should carve out some time to start going through the new financial modeling courses as well. Enjoy. All right, Grace. Sorry I'm so late. What's the what's the latest? It is July 1st. Oh, wow. Crazy.

Grace: [00:01:37] Yes. Was going I'm back in New York now. And so I got back a few weeks ago and I'll hopefully be able to start going back into the office next week. So I was hoping to go back in this week, but then I heard they're not letting interns come back yet, so only the full time employees.

Patrick (CEO of WSO): [00:01:56] So got.

Grace: [00:01:59] It. Hopefully hoping that next week I can go in a day or two.

Patrick (CEO of WSO): [00:02:02] Are you living on the campus?

Grace: [00:02:04] No. I'm subleasing from another Fordham student, though, in an off campus apartment.

Patrick (CEO of WSO): [00:02:08] Cool. And then are you have you been busy with the internship? What's going on? Like, are you still doing like, how many hours do you think or has it been up and down?

Grace: [00:02:17] It's been up and down, but I think it's kind of it's going to be high for a while now. So the first couple of weeks of June was barely anything. And then kind of starting the end of last week, it really picked up a lot. And so this week I've been working a lot and it probably will be like that for the next few weeks.

Patrick (CEO of WSO): [00:02:34] To what type of stuff that you've been doing?

Grace: [00:02:37] I've right now I'm working on a pretty big pitch. So that's been taking up most of my time past.

Patrick (CEO of WSO): [00:02:43] A lot of PowerPoint.

Grace: [00:02:45] Yeah.

Patrick (CEO of WSO): [00:02:47] We need to get that PowerPoint course out and then help people. A lot of time spent in PowerPoint. A lot of time spent in Excel, right?

Grace: [00:02:55] Oh, yeah.

Patrick (CEO of WSO): [00:02:57] Very cool. So do you feel like is the plan has Fordham said anything in terms of the fall?

Grace: [00:03:05] Yeah. They're officially planning to be open on campus, and they're slowly releasing more details about how that will work.

Patrick (CEO of WSO): [00:03:11] Yeah, because I don't know what it's looking like in New York, but other areas of the country, it's starting to spike.

Grace: [00:03:15] Right.

Patrick (CEO of WSO): [00:03:16] So I don't know if New York has stayed relatively safe now that people take it seriously there.

Grace: [00:03:20] Yeah, it's now it's one of the best places in the country to be. They've quarantines on people coming from Texas and a few other states to here right now. So tables have turned from before.

Patrick (CEO of WSO): [00:03:31] Yeah. Yeah. It's interesting how it's like going in waves in pockets of the Southern California's bad. Arizona's bad. Interesting. Well, we'll see if they truly open up. I hope they do. Yes. Classes, at least. You think you don't to wear a mask? Probably. Probably, Yeah. Yeah. In class and stuff. And sit far apart and all that good stuff. Okay. In terms of just. Kind of next steps for. For you. What? How are you feeling in terms of, like, the experience you've gotten? You have another, what, month or so or when you start classes?

Grace: [00:04:08] And I start classes the very end of August and.

Patrick (CEO of WSO): [00:04:11] All the way to. Okay.

Grace: [00:04:14] And I'll plan to stay with this internship through the fall to the same way I was doing it in the spring. So it'll just go to more part time.

Patrick (CEO of WSO): [00:04:22] Do they let you? Yeah, they let you kind of slow down a little bit in the fall start.

Grace: [00:04:26] Yeah. So usually in normal times it would be just me going into the office a couple of days a week, like what I was doing in January and February. So it was usually around 20 hours a week then.

Patrick (CEO of WSO): [00:04:37] It's still a lot for during school.

Grace: [00:04:39] Yeah, it was good though.

Patrick (CEO of WSO): [00:04:41] It was good. Balance your you still did well in school and everything like.

Grace: [00:04:44] That right.

Patrick (CEO of WSO): [00:04:46] Now. What about the other stuff. See that? It's funny that you say that like it's through the fall. I don't know. Honestly, I don't know how much benefit that's giving you once you have it on your resume and you've done like a full summer, maybe because it's been remote, it's good to kind of keep it.

Grace: [00:05:04] Yeah, especially because the summer hasn't been as much as it normally would have been. So then the longer I stay, the more trust I built up, the more responsibility I get.

Patrick (CEO of WSO): [00:05:12] So yeah. So that's good. You get on more deals, you have more things to write on the resume, that stuff, more transactions and stuff. So it makes it look more bank ified. Have you, have you taken a stab at actually updating your resume and doing the transaction experience or select transactions?

Grace: [00:05:27] Not yet. So maybe I'm thinking in another month or two I.

Patrick (CEO of WSO): [00:05:30] Might let me know. Let me know when you want me to look at that, because that's that's a key thing to do. I think before your next round of like networking and sending it sending out your resume, if you have that, it's just you're going to get an even better response, right? Because it'll be like, oh, wow, she has this already as a incoming sophomore.

Grace: [00:05:51] Right?

Patrick (CEO of WSO): [00:05:51] And then so yeah. Tell me a little bit about just have you been able to keep up any discussions? I know you had to move back to New York. It's been probably. When did we talk less? Early June.

Grace: [00:06:01] Yeah, very beginning of June, Yes. So I think about a week after we talked was when I came back up here and it's been good so far. I've been I've been continuing to talk with a lot of the Fordham alumni at some of the bigger banks today. Goldman's applications opened and I was on the phone with a few different people this morning, actually, and they're doing it differently this summer because of everything being virtual. So last summer they did sophomores and juniors all together for at least for all the target schools. Autumn is one for Goldman, and this summer they're doing it differently. So they're just doing all the juniors first. So I probably now won't actually even have a higher view to do until the beginning of August, whereas if I were a year older I would be doing a higher view with.

Grace: [00:06:49] The last.

Grace: [00:06:49] Week.

Patrick (CEO of WSO): [00:06:49] Probably. Yeah. Like very yeah, people are in the middle of it right now and see it on the forums. Everything. People are like, Right, do this. I read that right. Yeah.

Grace: [00:07:02] It's good. Thing is I'm on. They said that I'm on the top of the radar like everyone from the Fordham team really likes me. And they said, like unofficially, they said if I were year older, I would have been one of the top people to even go through the accelerated process since Fordham to target school. So they can do that for a few people. Good. But because I'm a sophomore, I can't get that advantage.

Patrick (CEO of WSO): [00:07:23] Yeah, no, that's fair. And what about you? A sophomore is tough. I remember that. And then tell me a little bit about the Fordham alum. Like they're in Are they in the right groups that you want to be in? Is there somebody in the real estate group?

Grace: [00:07:36] They're not real estate in particular, but they're spread throughout other ivy divisions. There's someone in TMT and there's a few other products and coverage groups and then.

Patrick (CEO of WSO): [00:07:46] Get Goldman TMT. I mean, you can't do better than that.

Grace: [00:07:49] So I'm actually not that interested in TMT.

Patrick (CEO of WSO): [00:07:53] Though you're not into it. I would.

Grace: [00:07:54] Probably be bottom of my list.

Patrick (CEO of WSO): [00:07:55] Really.

Grace: [00:07:56] Just in terms of interest.

Patrick (CEO of WSO): [00:07:57] And I get that. All I'm saying is like for, for you.

Grace: [00:08:01] The experience, right?

Patrick (CEO of WSO): [00:08:03] No, no, just not even for the experience, but for the branding and for the the impression that that gives to future employers. So, like, my point is. Like the interest that you have in terms of real estate versus technology, media versus telecom, whatever, versus whatever. It's important. But I would tell you as a mentor early in your career, what's more important to give you optionality to give you the most options later on is to put together is to put together a the most impressive resume you can early on, because going from Goldman team to you can go anywhere.

Grace: [00:08:42] Right?

Patrick (CEO of WSO): [00:08:43] You can still go to real estate. You can still do whatever. Especially if you show any sort of interest on the outside of on the on the periphery of that on your resume. It's not like let's say you do internships, you get some real estate stuff and then you went Goldman to EMT. No one's going to be like, oh, you're done with real estate. You can never do it again. They're going to say, Wow, Oh, she made it there. And she survived and she did well. So I caution you to be I would caution you or I would encourage you to look more for the groups that have the best deal flow rather than just the groups that because what really matters is that in your two years as an analyst, you do deals, period. So what you don't want to be is at a group that you're really interested in the industry, but the group at that specific bank just happens not to have as much good deal flow as like. And it could be it could be that the real estate group at and I have no idea about this I'm just naming a name maybe the real estate group at Barclays or at a Houlihan Lokey is much better place to start for pure deal flow. And so that's that's the type of stuff that's a little harder to find. You can dig in the forms a little bit in terms of like specific groups and top groups, because I think people get too enamored with like, I go work for Goldman Sachs and no, no, no.

Patrick (CEO of WSO): [00:10:01] Like there are certain groups that are super strong and Goldman has a lot of strong groups. But my point is like there are certain leaders in different areas, like Levin is better at some banks than in others. Ecm is stronger at some banks than others. The M&A at Morgan Stanley's notoriously very strong. So it really depends on. And I don't like to get too enamored with like, oh, the group prestige and all this stuff. But if you can position yourself to get into one of those groups that just has incredible deal flow, it really just opens up. It keeps a lot of doors open for you. And in a couple of years, you may not even want to do any of this stuff. And so, like having that on the resume really just would would open up the most doors in terms of whether that's getting into a top business school, whether that's getting whether that's transitioning to private equity or the buy side, maybe even real estate, private equity. So I'd encourage you not to. I'd encourage you to kind of lean heavier on the actual deal flow that the that the groups do and the reputation rather than just the pure like pure natural interest.

Grace: [00:11:11] That makes sense.

Patrick (CEO of WSO): [00:11:11] Because if you.

Grace: [00:11:12] Could just point.

Patrick (CEO of WSO): [00:11:13] Yeah, sorry. Go ahead.

Grace: [00:11:14] Just at this point, it's just getting in the door. So at any bank, because placement comes later, so.

Patrick (CEO of WSO): [00:11:20] Placement comes later. Yeah. And that's why I was asking about the Fordham alum and stuff like that. Like if that tlmt person shows you like a lot of interesting stuff. You should be like you shouldn't do them any inkling of like it's not that you're more interested in real estate or anything like that, you know what I mean? Because it would be a blessing, I think, to be in that group, because you would just get such incredible experience working on like massive transactions and just get you just learn so much. It'd be amazing. It'd be hard to years, but. Right. What else is going on? So. So that's good to your you're staying active with your network. How about the other stuff like all the, all the other cold outreach you did and like the, the follow ups, are they hitting your inbox now? All the reminders.

Grace: [00:12:07] Yeah. So I've been really busy doing it, especially the few weeks ago when I didn't have as much work for my internship. I've been trying to do at least five or six follow ups a week and I've been getting pretty good response with that. I'd say about half respond usually. And anyone who does respond is always very it's a really long message. So it's good keeping up those relationships.

Patrick (CEO of WSO): [00:12:28] And you're just giving them an update kind.

Grace: [00:12:29] Of. A Yeah, and usually it's personalized to depending on what I talk to them about and where they work, because a lot of them have sophomore programs that I'll be applying to later the end of this year to get accelerated recruiting for junior year.

Patrick (CEO of WSO): [00:12:45] So perfect.

Grace: [00:12:46] I tailor it depending on who I'm writing to.

Patrick (CEO of WSO): [00:12:49] And so these are like various banks, middle market, bulge bracket, everything all across the board.

Grace: [00:12:53] Yeah. And then just random other firms.

Patrick (CEO of WSO): [00:12:56] We're talking to. Right. You were talking to somebody else.

Grace: [00:12:59] Yes. That was more recently. I've only talked to one person there and that was a month or two ago for the first time. Okay.

Patrick (CEO of WSO): [00:13:08] I'm excited for you. I think you're a good shape. So where do you feel like you need the most improvement in terms of, like, Prep? Does it interview now? Is it, I guess modeling? Is it where do you feel like the most or do you feel pretty confident with the interviews now? Like since you've done you haven't really done that many, have you?

Grace: [00:13:25] No. I mean, I interviewed for the internship I have now, and that was really short anyway.

Patrick (CEO of WSO): [00:13:30] So yeah.

Grace: [00:13:31] I've done a mock. I don't know if this was before or after I spoke with you last time. I had a short phone call with some more one of the more senior Fordham alums at Goldman, who is kind of in charge of Fordham recruiting there and did a mini mock interview with him. And he said, I seemed like I was all prepared. He didn't even go through all the questions because at a certain point he just said, You're fine, you're ready. And it's all behavioral at this point. So especially for sophomores, they said in the higher view in particular, it's all just behavioral questions.

Patrick (CEO of WSO): [00:14:05] Why banking? Why this? Yeah, that's you need to have those down for sure.

Grace: [00:14:09] Right.

Patrick (CEO of WSO): [00:14:11] I think where you'll run into more of the technical stuff is if you're going to a smaller place that doesn't have a training program that necessarily builds brackets and they make really right on the technicals, especially if they're like they're like, you have to come in with a and be ready to go and model like, tell me, run me through DCF, you know, like, right, that type of stuff. How could I be most helpful kind of in your summer? I know you're it sounds like you're pretty busy now. Things are ramping up at the internship and you're going to have to wait another week before you go in. But then you're going to be doing 50 plus hour, 60 hour weeks, you think?

Grace: [00:14:46] I think it's really going to depend. So when I do start going and it won't be every day, I don't know. The HR person just said they're taking it week by week, so she'll keep me updated as soon as they know. But I mean, I don't even have to take public transport to the office, so I'm thinking I shouldn't have to wait too long before I can go back and I can just walk there.

Patrick (CEO of WSO): [00:15:05] So, yeah. In the meantime, it's already picked up, right? There's still they're keeping you in the loop and keeping you busy.

Grace: [00:15:11] Yes.

Patrick (CEO of WSO): [00:15:12] Are you doing like ten hour days? 20 hour days?

Grace: [00:15:16] Yeah. I mean, yesterday I probably did 11.

Patrick (CEO of WSO): [00:15:20] It's a lot. Yeah. Okay. Very good. Anything else I can help with in terms of like our plans for kind of next session? Do you do you want to do something like a mock interview or anything like that?

Grace: [00:15:35] Next session, that would probably be good. And then I was also going to ask about the modeling course you'd mentioned last time I emailed, I think Isabella and I didn't hear back from her. I wasn't sure if there was any.

Patrick (CEO of WSO): [00:15:45] Yeah. Email Ivy at Wall Street Oasis or Bella Bella at Wall Street. And you could see see me on that and just say, Hey, I'm a mentor of Patrick, you know, a mentee of Patrick's on the show. It'd be great if I could get access. Yeah, because we just released we have the Excel modeling course. The financial statement modeling course is released the which are great, like foundational ones for you to start on. Have you done the Excel? You haven't started the Excel yet.

Grace: [00:16:12] I don't have access to it. You don't know. Okay, so that's why I've been emailing. But I guess I have.

Patrick (CEO of WSO): [00:16:16] The Yeah, just see me on those. So if they're not, if they're not responding, I'll make sure I can, I can get it to you right now if you just shoot me whatever email on your account. Want to just chat with me on Skype or whatever, even here, I can do that. And then. Yes. So there's Excel Modeling and Sustainment modeling course, which are really foundational. We have an elbow modeling course, which I would it's a little more advanced. And I would tell you probably focus on the valuation modeling first, right. Which is coming out, which is already getting the lessons are getting uploaded right now. It'll be kind of buttoned up and all done within a few weeks. So you can start with Excel and statement modeling. Then you can jump to valuation because that will be by you're not going to have that much time to go through them. But like even if you spend a couple of hours a week on it, I think you can knock out one a month or one every two or three weeks if you if you actually commit some time to it. And then Yeah, and then we're going to have Manda modeling and DCF modeling coming out by ideally end of August, if not fully buttoned up at least some of the lessons getting uploaded in there.

Patrick (CEO of WSO): [00:17:24] So you, you can dive in if you're if you're willing to, to watch the lessons without like the full animation and everything, because we want to get access to people because people are are purchasing the full package already. And so they're getting a discount by buying it early as we're releasing these courses. I wanted to make it available because the first three courses are think really foundational anyways started. So yeah, I'll get you access to that. And then if you have questions as you go through that or any feedback, we love feedback and we've already had a ton of beta users go through and give us awesome feedback to improve both the LMS or ask questions about the content to clarify certain things. And we have we have what I call support mentors on staff ready. So like technical questions that our support team can answer, like they immediately forward any questions that hit the, the lessons, they forward it to a support mentor which basically an investment banker or a private equity professional to answer within like.

Patrick (CEO of WSO): [00:18:21] 28.

Patrick (CEO of WSO): [00:18:21] Hours. So if there's like, hey, why is free cash flow like after this or why are they don't understand that they'll they'll kind of explain it in further their.

Grace: [00:18:29] Oh that's nice.

Patrick (CEO of WSO): [00:18:30] Yeah. So that's kind of a we're leveraging the 650 plus mentors we have that provide great support to the students. Yeah. So I'll get you access to that and then yeah, I think it's something that unfortunately I didn't get it to you earlier. I'm sorry. Like I thought you had it because, like, now you're busy with. With the internship. I'll get it to you today. Okay? And so you can. You can start diving in. Hopefully you'll have fun with it because there's there is an animated monkey called Max in there. So one for you. What else? So, yeah, we'll do that. I think that'll be good for this next month and then maybe next month, maybe we focus on behavioral again, because I do think that's going to be 80%, 90% of what you're going to get. And then if you want to just study the making interview course, the technical, the basic in the intermediate technicals, really well, make sure you have those down because there's the most common as well. I won't grill you on any advanced kind of weird, but I do think it makes sense to kind of go over. I asked you, we did a mock, I think maybe not last time or the time before, where I.

Grace: [00:19:46] Think we've done two at this point.

Patrick (CEO of WSO): [00:19:47] Yeah, where I remember you. Some of the elbow stuff. I was a little bit more like picky on with you and telling you to be a little more specific with like the market and everything happening, right? I was getting a little bit like it was kind of I thought you did really well overall. So I think it makes sense to just practice again.

Grace: [00:20:07] Right?

Patrick (CEO of WSO): [00:20:07] Practice make perfect.

Grace: [00:20:08] Yes. And they were they told me, too, that a big part of it is just kind of being showing that you've been reading the news and staying on top of current deals going on.

Patrick (CEO of WSO): [00:20:18] And know where the.

Grace: [00:20:19] Things to talk about.

Patrick (CEO of WSO): [00:20:19] Know where the market is, know what they've been working on, why that bank, what specifically makes them unique about their culture, stuff like that.

Grace: [00:20:26] Right.

Patrick (CEO of WSO): [00:20:27] And the best thing you can do is if you're talking to people, they're the alum. You talk about those conversations, you bring those up like right into this. Well, why this? Well, I spoke with XYZ, John. I spoke with John and he was in the group. It seemed really interesting how you guys have done this and this, this, this. Then, boom, you're like, wow, she's done all her research. She's network. She's she gets it. She's actually interested. It's not just applying on a whim. Right? That's what they want to make sure. It's like, you know what you're getting into, you're excited about it. And if you have that, if you, if you check all those boxes, they're going to be like, yes, to her, right? They can walk out. They'd be like, yes.

Patrick (CEO of WSO): [00:21:01] Yeah, give.

Patrick (CEO of WSO): [00:21:02] Her an offer, you know. So I guess that's it. I'll work on getting you access right now to that stuff. And then from. From there on out. What else? What else can I do?

Grace: [00:21:15] So right now it's not much. I'm just kind of keeping busy working. So not a whole lot else going on.

Patrick (CEO of WSO): [00:21:22] I think it's good. You know, I would I would caution to continue the internship into the spring. Is it supposed to end in the winter?

Grace: [00:21:31] It's not like there's any set end date because they always have an intern. So it's just whenever I leave, I'll help them find another Fordham student to replace me.

Patrick (CEO of WSO): [00:21:38] So what I would do, and I think this is important, what I would do is work there until you get a few deals, good deals on your resume, whether it's pitches, whether it's closed, deals with modeling, where you can legitimately talk about them in the interviews. Once you have that, I would help them transition because I think you getting time for school, time to to breathe and even just time to continue your networking efforts, I think, you know, you have to do well in school. You have to do well in there. Networking is going to get you much further than pitching for the 10th time.

Grace: [00:22:13] Right.

Patrick (CEO of WSO): [00:22:13] On this thing. So like, once you get the value out of that and do a good do good work for them and they're happy with you, I think bowing out, you know, maybe into this year if you feel like it's a good time, would be good to give yourself a little bit of a breather as you head into recruiting.

Grace: [00:22:29] Right.

Patrick (CEO of WSO): [00:22:30] Here because so you don't want to be getting out of college in four years and already be burnt out.

Grace: [00:22:37] Right.

Patrick (CEO of WSO): [00:22:38] Like, you really like this is supposed to be time where you're like also enjoying yourself a little bit, not just like baking and making a mess and baking. I feel like I'm a little bit responsible for, like, telling you network network because I realize, like, that's such a value. So like, I told. I told. So one of the other mentees this like get quit that internship like you have enough like, what are you doing? Because they were just keeping him on for cheap labor and it was like he already had the boutique experience. I'm like, I'm like staying there as doing nothing except eating up your time for like, working for getting a full time job. And he finally he listened and he, like, laughed and like, Are they going to give you a full time offer? No. Then leave. So it's like at a certain point you have to really look out for yourself because they'll just they'll keep you around because it's it becomes more convenient too, for them, because you don't have to train you as much and.

Grace: [00:23:31] Right a.

Patrick (CEO of WSO): [00:23:32] Good workflow and stuff.

Grace: [00:23:34] I will say it is nice to be making a little bit of money while I'm still there paying.

Patrick (CEO of WSO): [00:23:38] So they are paying you and it's, Oh.

Grace: [00:23:39] Yeah, it's by the hour. So okay.

Patrick (CEO of WSO): [00:23:41] So that is good. Okay, well then if you need the money then sure, they keep it.

Grace: [00:23:46] Going. I've been working a part time job at a store or something.

Patrick (CEO of WSO): [00:23:49] True. True. So, yeah, I mean, that's. That's something else. It depends like what your financial situation is and if if it's helpful to you. And they are truly respecting like the limits in terms of hours and you feel like you can handle it, then for sure, keep it. It's a remote. You could potentially do it remotely with classes right there or walk to the office 10 minutes away or whatever it is.

Grace: [00:24:11] Yeah, it's so close.

Patrick (CEO of WSO): [00:24:12] That's awesome. So, yeah, I mean, if that's the case where you feel like it's a really just it's a really good experience for you and you feel like you're still learning and like maybe the end of the year, all of a sudden you're doing a little bit more like you're handling some models and handling the financial model and doing that. If that's the case, keep going.

Grace: [00:24:30] Right?

Patrick (CEO of WSO): [00:24:30] You feel like you're still getting value out of it for sure. I'm just saying, if you if you get to the point where you're like pitching and just pitching and pitching like you're in PowerPoint 60 hours a week and like all of a sudden school starts and they're like, still pushing you to work 25, 30 hours. And like, if you're feeling stressed out, like, step back and realize like, okay, maybe this the value I'm getting out of this isn't worth the time, right? Yeah. I'm glad they're paying you.

Grace: [00:24:57] Yes. And I mean, this summer, too. If I get overtime. If I work more than 40 hours.

Patrick (CEO of WSO): [00:25:03] Awesome. Good, good, good. Okay, so you get paid a lot.

Grace: [00:25:07] Yeah. So I'm happy with it.

Patrick (CEO of WSO): [00:25:10] Cool, man. Okay, well, listen, I will. I will chat with you again in about a month, and. Yeah. If there's anything else, just ping me and email or Skype or whatever and sorry I get I'm late today and. Oh, no, no worries. Well, we'll chat again soon.

Grace: [00:25:29] All right sounds good.

Patrick (CEO of WSO): [00:25:29] Thanks, Grace. Talk soon. Bye bye. And thanks to you, my listeners at Wall Street Oasis. If you have any suggestions whatsoever, please don't hesitate to send them my way. Patrick at Wall Street Oasis. And till next time