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[Applause] its time now to review headlines of todays newspapers and of course were going to start with this day the paper on record Mr Steve the newspaper record this day on Saturday uh yes we go straight into the newspaper review uh and we start of course with the lead story recapitalization hudle access Holdings announces $1.5 billion Capital raising program uh the writers analyst Bankers welcome exercise in banking sector fault exclusion of retained earnings say directive will strengthen financial institutions foresee marges Acquisitions CBN law enforcement agencies to monitor exercise I mean I this speaks directly to one of the key stories that we did on the week that was and this is one of the top three top five banks in Nigeria uh access of course using the holding holding company to uh be proactive you know and this is I think this is also good given what has happened to access lately you know with the very sad and tragic departure of but now we you know we have H IM back in