Hello, it's me Fern Cotton here to tell you about Klarna, who are sponsoring my podcast, Happy Place.

What smart decisions have you made recently? I tell you one smart choice you could make,

choosing Klarna when you shop online. You can pay in full, pay later, all over time,

and pay later and pay in three are interest-free with no fees when you pay on time.

Another smart thing,

Klarna can pause your payment so if something goes wrong, your payment will be paused for 21 days or until it's sorted. Check out with Klarna wherever you see the logo at checkout online at your

favourite retailers or download the Klarna app to shop flexibly at thousands of retailers.

Some exclusions apply to buyers protection.

Borrowing irresponsibly may negatively impact your financial status.

To use Klarna, you must be 18 years of age or older and a resident of the UK.

Paying three and pay later are unregulated credit agreements.

Borrowing more than you can afford or paying late may negatively impact your financial status

and ability to obtain financial credit. Teas and season, late fees apply. Learn more at clana.com.

Hello, sweater weather. Bring on cozy duvet days, crisp air and crunchy leaves. Out

out is out. And the original pumpkin spice latte is in in handcrafted with our signature espresso and seasonal

pumpkin flavors then topped with whipped cream cinnamon and nutmeg hot or iced PSL it's here only at the

Starbucks coffee company subject to availability while stocks last.

Ah, Benny's parents, thanks for coming.

Hiya.

So, Benny has really blossomed this term.

You're telling me, he outgrew his bike. We sold it. On eBay.

Oh, that's not quite what I meant.

...