1 00:00:04,019 --> 00:00:06,600 Sean Aylmer: Welcome to the Fear and Greed daily interview. I'm Sean 2 00:00:06,690 --> 00:00:09,209 Sean Aylmer: Aylmer. We talk a lot on this podcast about the 3 00:00:09,210 --> 00:00:12,630 Sean Aylmer: need to get professional advice when making decisions about money. 4 00:00:12,990 --> 00:00:16,500 Sean Aylmer: The same goes for business, most used accountants and bookkeepers, 5 00:00:16,500 --> 00:00:19,260 Sean Aylmer: but in the case of small and medium- sized enterprises, 6 00:00:19,530 --> 00:00:22,470 Sean Aylmer: could they be using them more effectively, and can accountants 7 00:00:22,470 --> 00:00:25,320 Sean Aylmer: be doing more to advise their true value to businesses? 8 00:00:25,650 --> 00:00:28,950 Sean Aylmer: Damien Greathead is the Head of Marketing at Intuit Australia, 9 00:00:28,950 --> 00:00:32,670 Sean Aylmer: the makers of cloud accounting software, QuickBooks. He's also speaking 10 00:00:32,670 --> 00:00:36,120 Sean Aylmer: at the Accounting Business Expo on the 14th and 15th of March 11 00:00:36,120 --> 00:00:39,030 Sean Aylmer: in Melbourne, which is a supporter of this podcast. Damien, 12 00:00:39,030 --> 00:00:40,110 Sean Aylmer: welcome to Fear and Greed. 13 00:00:40,409 --> 00:00:41,490 Damien Greathead: Yeah. Thanks for having me, Sean. 14 00:00:42,060 --> 00:00:44,970 Sean Aylmer: So recently you spoke about the true worth of accountant 15 00:00:45,000 --> 00:00:48,479 Sean Aylmer: advisory services and the fact that many firms are actually 16 00:00:48,479 --> 00:00:52,590 Sean Aylmer: offering premium services but don't quite know how to communicate 17 00:00:52,680 --> 00:00:55,470 Sean Aylmer: that value. What is the value? 18 00:00:56,460 --> 00:00:59,820 Damien Greathead: A really good question, and accountants and bookkeepers have a 19 00:00:59,820 --> 00:01:03,060 Damien Greathead: unique skill, and that skill is the ability to tell 20 00:01:03,060 --> 00:01:06,030 Damien Greathead: a story from a series of numbers, from a column 21 00:01:06,030 --> 00:01:08,610 Damien Greathead: of numbers. And those numbers come from the profit and 22 00:01:08,610 --> 00:01:11,459 Damien Greathead: loss, the balance sheet, the statement of cash flows, and 23 00:01:11,459 --> 00:01:13,830 Damien Greathead: they're able to tell a story about the health of 24 00:01:13,830 --> 00:01:17,430 Damien Greathead: a small, medium- sized business. Accountants and bookkeepers have that 25 00:01:17,430 --> 00:01:21,390 Damien Greathead: unique ability, whereas most small businesses, they love being a 26 00:01:21,390 --> 00:01:25,170 Damien Greathead: mechanic. They love being a baker. They love doing what 27 00:01:25,170 --> 00:01:28,080 Damien Greathead: they set their business up to do rather than the 28 00:01:28,080 --> 00:01:31,890 Damien Greathead: actual financial aspects of it, and so really the value 29 00:01:31,890 --> 00:01:34,770 Damien Greathead: that an accountant and bookkeeper can bring to a small 30 00:01:34,770 --> 00:01:39,569 Damien Greathead: business is helping business owners make better decisions based on 31 00:01:39,569 --> 00:01:41,880 Damien Greathead: those numbers. What are the numbers telling us about the 32 00:01:41,880 --> 00:01:45,810 Damien Greathead: business and how can we improve different parts of the 33 00:01:45,810 --> 00:01:48,690 Damien Greathead: business to bring about more revenue, more profit, a better 34 00:01:48,690 --> 00:01:50,820 Damien Greathead: statement of cash flows, for example. So that's where I 35 00:01:50,820 --> 00:01:55,050 Damien Greathead: think accountants and bookkeepers can really help their small businesses 36 00:01:55,410 --> 00:01:56,820 Damien Greathead: run better business. 37 00:01:57,060 --> 00:02:01,020 Sean Aylmer: Do you think small business owners appreciate what accountants and 38 00:02:01,020 --> 00:02:03,720 Sean Aylmer: bookkeepers can do or have the potential to do? 39 00:02:04,500 --> 00:02:07,110 Damien Greathead: I don't think they know what they can do or 40 00:02:07,110 --> 00:02:08,850 Damien Greathead: what they have the potential to do, and that's where 41 00:02:08,850 --> 00:02:11,010 Damien Greathead: I think there's a bit of a gap in terms of 42 00:02:11,010 --> 00:02:15,389 Damien Greathead: accountants and bookkeepers really defining and better communicating the value 43 00:02:15,389 --> 00:02:17,730 Damien Greathead: that they can bring and what they can actually do. 44 00:02:18,090 --> 00:02:21,270 Damien Greathead: I think for the most part, accountants and bookkeepers are 45 00:02:22,260 --> 00:02:25,200 Damien Greathead: seen as that compliance side of things. Making sure the biz 46 00:02:25,560 --> 00:02:28,649 Damien Greathead: is done, making sure the taxes are done, the monthly 47 00:02:28,650 --> 00:02:32,400 Damien Greathead: bookkeeping, the monthly close, but I don't think they necessarily 48 00:02:32,400 --> 00:02:36,930 Damien Greathead: realize the power of an accountant and bookkeeper on their 49 00:02:36,930 --> 00:02:38,101 Damien Greathead: side, so to speak. 50 00:02:38,101 --> 00:02:40,740 Sean Aylmer: So I have a couple of, I'm ashamed to say 51 00:02:40,740 --> 00:02:42,600 Sean Aylmer: I actually have a couple of accountants as opposed to 52 00:02:42,600 --> 00:02:45,720 Sean Aylmer: one accountant because I have a couple of businesses. What 53 00:02:45,720 --> 00:02:49,590 Sean Aylmer: I do find is I'm always, there's some trepidation, perhaps, 54 00:02:49,620 --> 00:02:52,200 Sean Aylmer: in going to see an accountant, and maybe that's because 55 00:02:52,200 --> 00:02:54,660 Sean Aylmer: of cost, but mostly it's because I fear I don't 56 00:02:54,660 --> 00:02:57,360 Sean Aylmer: understand my business well enough. Every time I see them, 57 00:02:57,360 --> 00:03:00,810 Sean Aylmer: I walk away feeling better about myself, is that typical? 58 00:03:01,830 --> 00:03:06,030 Damien Greathead: I've always understood accountants to be incredibly empathetic. That's one 59 00:03:06,030 --> 00:03:08,429 Damien Greathead: of the reasons why I love working in the accounting 60 00:03:08,430 --> 00:03:11,580 Damien Greathead: space. I worked in an accountant business for a brief 61 00:03:11,580 --> 00:03:13,619 Damien Greathead: period of time before I realized I was a terrible 62 00:03:13,620 --> 00:03:17,730 Damien Greathead: accountant. I love the technology, I love the client relationships, 63 00:03:17,730 --> 00:03:21,540 Damien Greathead: but actually understanding legislation and being able to interpret that 64 00:03:21,540 --> 00:03:26,370 Damien Greathead: legislation incredibly difficult. So I think there is some trepidation 65 00:03:26,370 --> 00:03:29,100 Damien Greathead: in terms of talking to an accountant. I think there's fear of, " 66 00:03:29,100 --> 00:03:30,750 Damien Greathead: Oh, hang on. How much is this going to cost 67 00:03:30,750 --> 00:03:33,660 Damien Greathead: me?" So I think there's a trepidation there, but also 68 00:03:33,660 --> 00:03:37,110 Damien Greathead: I just don't think accountants and bookkeepers are talking to 69 00:03:37,110 --> 00:03:42,720 Damien Greathead: their clients in simple terms to help them understand the 70 00:03:42,720 --> 00:03:45,180 Damien Greathead: real role that they can play in a business. And 71 00:03:45,180 --> 00:03:49,080 Damien Greathead: for example, a perfect cash flow, cash is king or 72 00:03:49,080 --> 00:03:51,450 Damien Greathead: cash is queen in a business, and a lot of 73 00:03:51,450 --> 00:03:54,450 Damien Greathead: businesses will have great revenue or great profit, but there 74 00:03:54,480 --> 00:03:57,900 Damien Greathead: won't be any cash to pay the bills. And an 75 00:03:57,900 --> 00:04:01,050 Damien Greathead: accountant can really help a small business owner understand why 76 00:04:01,170 --> 00:04:04,170 Damien Greathead: and understand the different levers that they can pull so 77 00:04:04,170 --> 00:04:06,810 Damien Greathead: as to free up that cash to pay those bills 78 00:04:07,050 --> 00:04:10,260 Damien Greathead: to make payroll, to pay down that credit card, but 79 00:04:10,260 --> 00:04:13,350 Damien Greathead: without that sort of insight, it's sometimes difficult to know 80 00:04:13,380 --> 00:04:14,790 Damien Greathead: what to do and when to do it. 81 00:04:15,270 --> 00:04:18,150 Sean Aylmer: Okay. So that's cash flow planning. What about areas which 82 00:04:18,150 --> 00:04:21,479 Sean Aylmer: we're hearing a lot more about cybersecurity, fraud prevention, those 83 00:04:21,480 --> 00:04:22,320 Sean Aylmer: types of things? 84 00:04:22,830 --> 00:04:26,550 Damien Greathead: I think internal controls and fraud prevention, I think this 85 00:04:26,550 --> 00:04:29,010 Damien Greathead: is one of the most important areas where an accountant 86 00:04:29,010 --> 00:04:33,330 Damien Greathead: and bookkeeper can help small businesses really protect their business. At 87 00:04:33,330 --> 00:04:36,029 Damien Greathead: the end of the day, a small business is probably 88 00:04:36,029 --> 00:04:40,140 Damien Greathead: the most important asset to the individual clients in terms 89 00:04:40,140 --> 00:04:43,349 Damien Greathead: of its ability to generate revenue, ability to generate cash 90 00:04:43,350 --> 00:04:46,500 Damien Greathead: flow and ability to generate income, and there are very 91 00:04:46,500 --> 00:04:49,529 Damien Greathead: simple things that can be put in place to help 92 00:04:49,529 --> 00:04:52,589 Damien Greathead: protect that. If we look at the biggest causes of 93 00:04:52,589 --> 00:04:56,849 Damien Greathead: fraud within a small business, yes, there's a dark web. 94 00:04:56,850 --> 00:04:59,580 Damien Greathead: Yes, there's phishing scams and everything out there, but actually 95 00:04:59,580 --> 00:05:02,130 Damien Greathead: the biggest sources and most common sources of fraud are 96 00:05:02,130 --> 00:05:06,089 Damien Greathead: actually closer to home. Time fraud, for example, if we 97 00:05:06,089 --> 00:05:10,170 Damien Greathead: don't have good systems and good tools to capture our 98 00:05:10,589 --> 00:05:14,760 Damien Greathead: team's time, are we overpaying them? Are we underpaying them? 99 00:05:14,760 --> 00:05:19,080 Damien Greathead: So that's a cause of concern for a business. Accounts payable, 100 00:05:19,080 --> 00:05:23,070 Damien Greathead: if we don't have systems and protocols in place, how 101 00:05:23,070 --> 00:05:26,310 Damien Greathead: are we protecting the cash at bank when those bills 102 00:05:26,310 --> 00:05:30,240 Damien Greathead: come into pay? And unfortunately, what we do find, particularly 103 00:05:30,240 --> 00:05:33,690 Damien Greathead: with fraud is it's too late. The fraud has already 104 00:05:33,690 --> 00:05:37,410 Damien Greathead: happened when the accountants get involved, but actually an accountant 105 00:05:37,410 --> 00:05:42,360 Damien Greathead: and bookkeeper can very proactively set up reviews of a 106 00:05:42,360 --> 00:05:44,849 Damien Greathead: client's business just to make sure there are simple things 107 00:05:44,850 --> 00:05:47,880 Damien Greathead: in place. Are we tracking time correctly? Do we have 108 00:05:47,880 --> 00:05:50,850 Damien Greathead: the right mechanisms in place to do that? Making sure 109 00:05:50,850 --> 00:05:53,969 Damien Greathead: that it says two signatures or two levels of approval 110 00:05:53,970 --> 00:05:57,210 Damien Greathead: for certain payments. Do we have these simple measures in 111 00:05:57,210 --> 00:06:01,440 Damien Greathead: place that will protect the business from these very common 112 00:06:01,500 --> 00:06:05,130 Damien Greathead: areas of fraud? In terms of cybersecurity, look, there's a 113 00:06:05,130 --> 00:06:07,680 Damien Greathead: lot to know about cybersecurity, but I think at least 114 00:06:07,680 --> 00:06:11,909 Damien Greathead: talking to your clients about cybersecurity and then partnering with 115 00:06:11,910 --> 00:06:16,260 Damien Greathead: an expert in cybersecurity, that's really where, again, accountant and 116 00:06:16,260 --> 00:06:19,349 Damien Greathead: bookkeeper can provide value. I think that sometimes there is 117 00:06:19,350 --> 00:06:22,740 Damien Greathead: this fear that the accountant has to be this all- 118 00:06:22,740 --> 00:06:26,219 Damien Greathead: knowing Oracle, if you will, for a business owner, but actually... 119 00:06:26,610 --> 00:06:29,940 Damien Greathead: I lived 15 years in the US so this sports 120 00:06:29,940 --> 00:06:32,880 Damien Greathead: analogy might not work for the Australian audience, but the 121 00:06:32,880 --> 00:06:36,420 Damien Greathead: accountant can be that quarterback and really connecting the business 122 00:06:36,450 --> 00:06:39,690 Damien Greathead: owner with different experts to make sure the business is 123 00:06:39,690 --> 00:06:42,779 Damien Greathead: corrected. The accountant's perfect to talk about internal controls and 124 00:06:42,779 --> 00:06:46,229 Damien Greathead: financial controls, but maybe they'll partner with somebody to help 125 00:06:46,230 --> 00:06:50,910 Damien Greathead: their small business clients really understand the risks associated with 126 00:06:50,910 --> 00:06:54,030 Damien Greathead: cybersecurity. So I can provide some of it, or alternatively, 127 00:06:54,180 --> 00:06:57,210 Damien Greathead: I can be leveraging my network to help my clients 128 00:06:57,210 --> 00:06:57,630 Damien Greathead: as well. 129 00:06:57,839 --> 00:06:59,940 Sean Aylmer: Stay with me, Damien. We'll be back in a minute. 130 00:07:06,390 --> 00:07:09,240 Sean Aylmer: My guest this morning is Damien Greathead, Head of Marketing 131 00:07:09,240 --> 00:07:12,630 Sean Aylmer: at Intuit Australia. Just the other area I wanted to 132 00:07:12,630 --> 00:07:17,070 Sean Aylmer: talk about, in my experience, things like scenario planning and 133 00:07:17,070 --> 00:07:19,500 Sean Aylmer: modeling, not that I went to the accountant to talk 134 00:07:19,500 --> 00:07:21,840 Sean Aylmer: about it, but if you have a good relationship with 135 00:07:21,840 --> 00:07:25,410 Sean Aylmer: your accountant, they don't necessarily tell you where to go, 136 00:07:25,410 --> 00:07:28,140 Sean Aylmer: but they're always giving me ideas about how to think 137 00:07:28,140 --> 00:07:28,800 Sean Aylmer: about the future. 138 00:07:29,400 --> 00:07:32,040 Damien Greathead: And I think that's really interesting as well, Sean, because 139 00:07:32,430 --> 00:07:34,980 Damien Greathead: again, they can look at those columns of numbers, and 140 00:07:34,980 --> 00:07:38,130 Damien Greathead: they can talk through different ideas of levers to pull, 141 00:07:38,130 --> 00:07:40,980 Damien Greathead: so I was up to free up cash. For example, 142 00:07:41,280 --> 00:07:44,730 Damien Greathead: they've got all the financial information and a tool like 143 00:07:44,760 --> 00:07:47,369 Damien Greathead: QuickBooks will certainly help in terms of doing some of 144 00:07:47,370 --> 00:07:50,100 Damien Greathead: this what if planning and what if scenario. So for 145 00:07:50,100 --> 00:07:53,340 Damien Greathead: example, what if our cost of goods are continuing to 146 00:07:53,340 --> 00:07:56,040 Damien Greathead: increase? So if the last 18 months we've seen our cost of 147 00:07:56,040 --> 00:07:59,580 Damien Greathead: goods increase by one and a half percentage points as 148 00:07:59,580 --> 00:08:02,940 Damien Greathead: an example, what's the impact between now and the end 149 00:08:02,940 --> 00:08:06,330 Damien Greathead: of the year if that trend continues and we don't 150 00:08:06,330 --> 00:08:09,480 Damien Greathead: make any changes to our pricing? That's going to impact 151 00:08:09,480 --> 00:08:12,810 Damien Greathead: our bottom line if we don't make any pricing adjustments. 152 00:08:12,990 --> 00:08:17,220 Damien Greathead: That's a really robust conversation, and the accountant's perfectly positioned 153 00:08:17,220 --> 00:08:19,950 Damien Greathead: because they have the data, they can understand the data. 154 00:08:20,340 --> 00:08:22,920 Damien Greathead: They may not know the answers, but they can certainly 155 00:08:22,920 --> 00:08:25,740 Damien Greathead: start asking the questions, and as you said, Sean, flagging 156 00:08:25,740 --> 00:08:26,820 Damien Greathead: a couple of ideas. 157 00:08:27,240 --> 00:08:30,270 Sean Aylmer: Yeah. You mentioned QuickBooks. Of course, Damien Greathead, that's where 158 00:08:30,270 --> 00:08:35,189 Sean Aylmer: you are from. The use of technology in accounting SME 159 00:08:35,190 --> 00:08:38,940 Sean Aylmer: land, that's changed enormously even in recent news, even in 160 00:08:38,940 --> 00:08:39,809 Sean Aylmer: COVID times. 161 00:08:40,770 --> 00:08:44,280 Damien Greathead: I think technology's a great leveler, and a lot of 162 00:08:44,280 --> 00:08:47,910 Damien Greathead: the AI and machine learning enabled tools that are here 163 00:08:47,910 --> 00:08:52,679 Damien Greathead: today that they were out of reach of small business 164 00:08:52,950 --> 00:08:55,979 Damien Greathead: three years ago, five years ago, and they continue to 165 00:08:55,980 --> 00:08:59,220 Damien Greathead: grow and improve week in, week out now. I think 166 00:08:59,220 --> 00:09:02,490 Damien Greathead: that's the really exciting thing that wherever you choose to 167 00:09:02,490 --> 00:09:05,670 Damien Greathead: do business, you have access to the same tool set 168 00:09:06,059 --> 00:09:09,059 Damien Greathead: as the big players. The key thing now is to 169 00:09:09,059 --> 00:09:11,610 Damien Greathead: make sure you've got the right people and the right 170 00:09:11,610 --> 00:09:15,540 Damien Greathead: partners, the right advisors to use those tools effectively. And 171 00:09:15,540 --> 00:09:18,570 Damien Greathead: again, I think accountants and bookkeepers play an important role 172 00:09:18,570 --> 00:09:22,140 Damien Greathead: in that, and again, I do think it's a really exciting 173 00:09:22,140 --> 00:09:26,040 Damien Greathead: time for small medium- sized business because they haven't had 174 00:09:26,040 --> 00:09:29,160 Damien Greathead: that access to the data. They haven't had access to 175 00:09:29,160 --> 00:09:31,440 Damien Greathead: the insights like they have before. 176 00:09:32,280 --> 00:09:35,880 Sean Aylmer: Damien, one final question. I have to mention it because 177 00:09:35,880 --> 00:09:38,670 Sean Aylmer: it's where I started. It's about pricing. How can you 178 00:09:38,670 --> 00:09:42,780 Sean Aylmer: be confident that there's transparent pricing, that you're getting value 179 00:09:42,780 --> 00:09:44,820 Sean Aylmer: for money? Because I'm sure a lot of people don't 180 00:09:45,150 --> 00:09:48,750 Sean Aylmer: use accountants and bookkeepers for that very reason, probably to 181 00:09:48,750 --> 00:09:52,710 Sean Aylmer: their detriment, but still the accountants themselves have a job 182 00:09:52,740 --> 00:09:55,050 Sean Aylmer: in convincing SMEs to come to them. 183 00:09:56,010 --> 00:10:01,050 Damien Greathead: I think accountants and bookkeepers and lawyers, and those folks 184 00:10:01,050 --> 00:10:04,770 Damien Greathead: that have typically charged by the hour because they've typically 185 00:10:04,770 --> 00:10:07,829 Damien Greathead: charged for time, which is for their brain power, if 186 00:10:07,830 --> 00:10:10,890 Damien Greathead: you will, and so I think then that type of 187 00:10:10,890 --> 00:10:15,390 Damien Greathead: a model becomes very challenging for me as a consumer, 188 00:10:15,390 --> 00:10:17,820 Damien Greathead: as the business client because I don't know how long 189 00:10:17,820 --> 00:10:20,819 Damien Greathead: something's going to take. So this is where it's really 190 00:10:20,820 --> 00:10:23,880 Damien Greathead: important to bring in that transparency. So for example, that 191 00:10:23,880 --> 00:10:29,400 Damien Greathead: internal controls audit, that in theory is replicatable across businesses, 192 00:10:29,400 --> 00:10:31,709 Damien Greathead: so whether you're a baker, whether you are a mechanic, whether you're 193 00:10:31,710 --> 00:10:37,920 Damien Greathead: a dentist, that actual process should be fairly similar inside 194 00:10:37,920 --> 00:10:40,590 Damien Greathead: each and every business. And in theory, it shouldn't take 195 00:10:40,590 --> 00:10:44,640 Damien Greathead: any more than 90 minutes just to review everything. Recommendations 196 00:10:44,640 --> 00:10:46,860 Damien Greathead: and all that type of stuff, that'll be a different 197 00:10:46,860 --> 00:10:49,080 Damien Greathead: part of it. Same thing with the cash flow forecast, 198 00:10:49,080 --> 00:10:52,290 Damien Greathead: it probably takes 90 minutes to review the data and 199 00:10:52,290 --> 00:10:55,380 Damien Greathead: talk with the clients about some of the options. What 200 00:10:55,380 --> 00:10:58,650 Damien Greathead: comes from that, that's a different conversation, and so I 201 00:10:58,650 --> 00:11:03,270 Damien Greathead: would contend that accountants and bookkeepers can be better at 202 00:11:03,600 --> 00:11:08,850 Damien Greathead: helping clients understand the process, helping clients understand what they're 203 00:11:08,850 --> 00:11:12,750 Damien Greathead: doing, how long it's going to take, what's included in 204 00:11:12,750 --> 00:11:17,040 Damien Greathead: that quote. And I would feel confident pricing a service 205 00:11:17,040 --> 00:11:19,350 Damien Greathead: for 90 minutes to sit down with a client and 206 00:11:19,350 --> 00:11:23,099 Damien Greathead: talk about the internal controls, protecting their most valuable asset, 207 00:11:23,100 --> 00:11:26,069 Damien Greathead: protecting their income and cash flow, and that's going to 208 00:11:26,070 --> 00:11:30,839 Damien Greathead: cost you $ 450. I would feel very confident sitting down 209 00:11:30,840 --> 00:11:34,679 Damien Greathead: and having that conversation with clients and putting a price 210 00:11:34,679 --> 00:11:38,100 Damien Greathead: upfront because I know what I'm looking at, I know 211 00:11:38,100 --> 00:11:41,010 Damien Greathead: the questions I need to ask. What comes from that, 212 00:11:41,340 --> 00:11:45,479 Damien Greathead: that's the next side of things and the different projects to 213 00:11:45,480 --> 00:11:48,540 Damien Greathead: implement. But this idea that, " Oh look, we charged by 214 00:11:48,540 --> 00:11:50,490 Damien Greathead: the hour and it depends on how long it's going 215 00:11:50,490 --> 00:11:52,620 Damien Greathead: to take," that's not going to cut it in today's 216 00:11:52,620 --> 00:11:53,550 Damien Greathead: business environment. 217 00:11:54,059 --> 00:11:56,040 Sean Aylmer: Damien, thank you for talking to Fear and Greed. 218 00:11:56,670 --> 00:11:58,229 Damien Greathead: Sean, absolute pleasure. Thanks for having me. 219 00:11:58,679 --> 00:12:02,010 Sean Aylmer: That was Damien Greathead, Head of Marketing at Intuit Australia. 220 00:12:02,010 --> 00:12:05,489 Sean Aylmer: Damien speaking at the Accounting Business Expo in Melbourne on 221 00:12:05,490 --> 00:12:07,740 Sean Aylmer: March 14 and 15, which is a supporter of this 222 00:12:07,740 --> 00:12:11,670 Sean Aylmer: podcast. Just search Accounting Business Expo for more, you'll find 223 00:12:11,670 --> 00:12:13,920 Sean Aylmer: it. This is the Fear and Greed daily interview. Join 224 00:12:13,920 --> 00:12:15,960 Sean Aylmer: us every morning for the full episode of Fear and 225 00:12:15,960 --> 00:12:19,920 Sean Aylmer: Greed, Australia's most popular business podcast. I'm Sean Aylmer. Enjoy 226 00:12:19,920 --> 00:12:20,340 Sean Aylmer: your day.