Now, some people like ads, some people don't, and that's okay.

But we like to keep everyone happy.

So if you're one of the people who doesn't like to listen to ads,

choose the Dave Mac Williams plus option on Apple Podcasts.

And you can listen to this podcast just the way you like it.

For over a decade, Arlo Technology has focused solely on home security detecting strangers ignoring

neighbors and delivering alerts with crystal clear footage to your phone from 4k cameras to

award-winning doorbells arlo captures everything through one powerful AI system arlolo Secure, because a watched over space is a safer space.

Arlo, 10 years of innovation in one powerful security system. Find out more and get conditions at

arlo.com. If you're in business, you'd expect money movement to be easy, and it is with Visa Direct.

Collect, hold, convert and send payments between more than 195 countries, 160 currencies,

and over 11 billion cards, accounts and wallets.

Effortlessly and securely.

Move money your way.

Learn more at vizah.com slash visa direct.

To understand the economy, you have to understand human nature.

This podcast is powered by ACAST.

How are you doing there? It is time for the podcast. I hope all is going well in your world.

You're not getting that little bit of trepidation, kids back to school, you back to

college, trying to get a flat, that September feeling the one that John used to particularly hate,

I remember, at the end of August when we were kids, used to drive him bananas. That was like the

back to school thing. I used to quite like, I quite like going back to school. You used to hate it.

...