This episode is brought to you by SAP Concurs.

In this economic climate, every business spending moment matters.

There's no room for risks, overspending and inefficiency.

SAP Concurs solutions take you beyond basic automation to help you increase your cash flow,

not your concerns.

Allowing you to settle employee expenses and invoices efficiently and effectively,

reduce financial risk and save time.

Visit concur.co.uk to learn more.

Mundo Business Banking

It just works, so you can too.

Join businesses like Target to Wishing by opening a Mundo Business account.

What I love about Mundo Business account is how easy everything is.

It can be filtered with your tag.

We thought we'd have to manage our business around our banks, but that's not the case for Mundo.

My name is Shun. I am the E-Pound World Target Trition.

In minutes at monzo.com slash business. To apply, you must be a sole trader or director of a limited company.

UK Business is only terms and conditions apply.

Hello and welcome to the price of football, the show that looks at the money behind the beautiful game

and would love to make a topical reference to the Christmas matches.

We are recording this on the 23rd of December.

Let's congratulate Wilphs on his unlikely hatric, Justin Case.

I am Kevin Day.

...