1 00:00:03,760 --> 00:00:08,100 Sean Aylmer: Welcome to the Fear and Green daily interview. I'm Sean Aylmer, regular listeners to 2 00:00:08,100 --> 00:00:11,280 Sean Aylmer: the podcast might have heard me talk about InvoCare before. 3 00:00:11,590 --> 00:00:14,320 Sean Aylmer: The ASX listed company is a market leader in funeral 4 00:00:14,320 --> 00:00:18,180 Sean Aylmer: services. I've mentioned them previously because it's such a fascinating 5 00:00:18,400 --> 00:00:20,770 Sean Aylmer: business in a sector that we don't hear much about. 6 00:00:21,050 --> 00:00:24,810 Sean Aylmer: Lynne Gallucci is the executive general manager of InvoCare and 7 00:00:24,810 --> 00:00:26,760 Sean Aylmer: my guest this morning, Lynn, welcome to Fear and Greed. 8 00:00:27,440 --> 00:00:29,190 Lynne Gallucci: Good morning, Sean. Thank you very much. 9 00:00:29,690 --> 00:00:34,500 Sean Aylmer: So firstly, tell me about what InvoCare does. I'm sure 10 00:00:34,500 --> 00:00:37,479 Sean Aylmer: many listeners would be familiar with some of your brands 11 00:00:37,479 --> 00:00:40,391 Sean Aylmer: such as white lady funerals, et cetera. Just tell me a little bit about the company. 12 00:00:40,391 --> 00:00:45,159 Lynne Gallucci: Sure. As you mentioned, we're a market leader in funeral 13 00:00:45,159 --> 00:00:48,640 Lynne Gallucci: and memorial services, not only across Australia, but also across 14 00:00:48,640 --> 00:00:52,870 Lynne Gallucci: New Zealand and Singapore. We also have private Memorial Parks 15 00:00:52,870 --> 00:00:55,480 Lynne Gallucci: and a number of crematoria in both New Zealand and 16 00:00:55,580 --> 00:00:59,210 Lynne Gallucci: Australia. And also we've become the leading provider of pet 17 00:00:59,210 --> 00:01:04,420 Lynne Gallucci: cremations in Australia. Simply I lead and have the privilege 18 00:01:04,420 --> 00:01:07,710 Lynne Gallucci: of leading a team of funeral services professionals who support 19 00:01:08,050 --> 00:01:11,870 Lynne Gallucci: up to about 40,000 families every year in creating a meaningful 20 00:01:11,870 --> 00:01:14,190 Lynne Gallucci: farewell for their loved one. And you mentioned some of 21 00:01:14,190 --> 00:01:16,990 Lynne Gallucci: our brands through there. We have our national brands, White 22 00:01:16,990 --> 00:01:20,289 Lynne Gallucci: Lady and Simplicity, and then we have local brands in each of 23 00:01:20,290 --> 00:01:23,360 Lynne Gallucci: the markets, as well as a group of specialized brands, 24 00:01:23,360 --> 00:01:25,960 Lynne Gallucci: such as Liberty and Galaxy Funerals. 25 00:01:26,920 --> 00:01:29,690 Sean Aylmer: Okay. Can you give me an idea of the business 26 00:01:29,690 --> 00:01:33,500 Sean Aylmer: model? So obviously you provide a service to those 40, 000 27 00:01:33,500 --> 00:01:36,920 Sean Aylmer: odd families a year and you charge for that, but 28 00:01:36,920 --> 00:01:39,350 Sean Aylmer: there's lots of... It's not just the funeral itself. There's 29 00:01:39,350 --> 00:01:45,120 Sean Aylmer: obviously the after funeral costs and prepaid funerals and pets. 30 00:01:45,120 --> 00:01:46,860 Sean Aylmer: And I'm trying to get a sense of where the 31 00:01:46,860 --> 00:01:49,940 Sean Aylmer: money comes from in very much in a business sense. 32 00:01:50,330 --> 00:01:55,559 Lynne Gallucci: Yeah. So we're really are looking to expand the total 33 00:01:55,560 --> 00:02:00,080 Lynne Gallucci: journey that we have with our families, not only around the funeral event and the memorialization 34 00:02:00,080 --> 00:02:03,490 Lynne Gallucci: itself, but also at other key milestones and points in 35 00:02:03,490 --> 00:02:06,240 Lynne Gallucci: their lives. So as you mentioned, there's a lot of 36 00:02:06,690 --> 00:02:10,190 Lynne Gallucci: opportunity for us in the pre space, a lot of opportunity for 37 00:02:10,190 --> 00:02:12,510 Lynne Gallucci: us that we currently have in the at- need space 38 00:02:13,080 --> 00:02:17,270 Lynne Gallucci: and also post- need. And so the opportunity for us to extend 39 00:02:17,270 --> 00:02:20,460 Lynne Gallucci: our offering across that is what's really interesting and exciting 40 00:02:20,460 --> 00:02:25,910 Lynne Gallucci: for us all. So we've got our core assets. We've obviously got our core assets around our Memorial Parks and our 41 00:02:25,910 --> 00:02:28,940 Lynne Gallucci: funeral businesses. And that is what you would in see the traditional 42 00:02:28,940 --> 00:02:32,990 Lynne Gallucci: funeral services. What we've seen is an expansion in terms 43 00:02:33,190 --> 00:02:36,910 Lynne Gallucci: of our families want more in products and services. There 44 00:02:36,910 --> 00:02:40,489 Lynne Gallucci: are certain milestones in individuals lives that cause them to think 45 00:02:40,490 --> 00:02:43,519 Lynne Gallucci: about end of life planning. And we see that there's 46 00:02:43,919 --> 00:02:46,859 Lynne Gallucci: a really good chance to leverage off the trust that 47 00:02:46,860 --> 00:02:49,169 Lynne Gallucci: those families have with our brands to be able to 48 00:02:49,169 --> 00:02:52,460 Lynne Gallucci: offer them pre- need services and post- need services such 49 00:02:52,460 --> 00:02:56,929 Lynne Gallucci: as aftercare and digital tributes through our relationships with our 50 00:02:56,930 --> 00:02:57,710 Lynne Gallucci: memories partnership. 51 00:02:58,410 --> 00:03:02,121 Sean Aylmer: So what's the pre-care things. What are they that you're talking about? 52 00:03:02,121 --> 00:03:06,410 Lynne Gallucci: Prepaid and pre- need, and pre- arrangement so, as I 53 00:03:06,410 --> 00:03:09,180 Lynne Gallucci: said, certain points in individual's lives, they think about the 54 00:03:09,180 --> 00:03:11,260 Lynne Gallucci: difference that they want to make or what kind of 55 00:03:11,260 --> 00:03:13,990 Lynne Gallucci: farewell they want to have. People do this generally for 56 00:03:13,990 --> 00:03:18,180 Lynne Gallucci: two reasons. Firstly, there is a financial advantage in prepaying 57 00:03:18,940 --> 00:03:22,790 Lynne Gallucci: a funeral but secondly, and often more in the humanistic 58 00:03:22,790 --> 00:03:25,680 Lynne Gallucci: side, people want to make sure that when their funeral 59 00:03:25,950 --> 00:03:28,150 Lynne Gallucci: service comes, that there's not pressure on the people that 60 00:03:28,250 --> 00:03:31,180 Lynne Gallucci: they care about. And so by making their wishes and their... 61 00:03:31,620 --> 00:03:35,339 Lynne Gallucci: Very clear as early as they can, they can either pre- arrange it in 62 00:03:35,340 --> 00:03:39,240 Lynne Gallucci: consultation with one of our funeral service directors and make that 63 00:03:39,380 --> 00:03:42,390 Lynne Gallucci: very clear and we'll record that. Or they can take the extra 64 00:03:42,390 --> 00:03:46,890 Lynne Gallucci: pressure away from their family and purchase a prepaid funeral arrangement. 65 00:03:48,090 --> 00:03:49,840 Sean Aylmer: Quite a while ago. I mean a few years back, 66 00:03:49,840 --> 00:03:53,070 Sean Aylmer: I heard a former CEO of InvoCare talk about the 67 00:03:53,070 --> 00:03:56,070 Sean Aylmer: difference between a wedding and a funeral, right? In a 68 00:03:56,070 --> 00:03:58,980 Sean Aylmer: bit of an offhanded way to be fair to the 69 00:03:58,980 --> 00:04:02,280 Sean Aylmer: person. But his comment was that people spend about 10% 70 00:04:02,780 --> 00:04:05,640 Sean Aylmer: on a funeral of what they spend on a wedding. 71 00:04:06,000 --> 00:04:08,550 Sean Aylmer: And his point was, it is actually a great celebration 72 00:04:08,600 --> 00:04:11,930 Sean Aylmer: of a person's life and obviously a wedding's sort of 73 00:04:11,930 --> 00:04:15,960 Sean Aylmer: different buckets, but at the same time, still a celebration 74 00:04:16,230 --> 00:04:19,320 Sean Aylmer: of someone's life and the whole idea of trying to 75 00:04:19,320 --> 00:04:22,800 Sean Aylmer: get people to celebrate what's happened. And it's tragic and 76 00:04:22,800 --> 00:04:27,160 Sean Aylmer: incredibly sad, most funerals, particularly for young people, but that 77 00:04:27,490 --> 00:04:31,089 Sean Aylmer: kind of concept of making a funeral something that is 78 00:04:31,089 --> 00:04:32,070 Sean Aylmer: very memorable. 79 00:04:32,410 --> 00:04:36,600 Lynne Gallucci: It's an amazing privilege to be able to support people through a time like that. 80 00:04:36,650 --> 00:04:39,440 Lynne Gallucci: We know we can't change what's happened and we know 81 00:04:39,440 --> 00:04:41,750 Lynne Gallucci: we can't take away any pain or grief that they're 82 00:04:41,750 --> 00:04:43,969 Lynne Gallucci: feeling, but we know that we can make it better for 83 00:04:43,970 --> 00:04:48,420 Lynne Gallucci: them. And the advantage of having highly experienced team members, 84 00:04:49,100 --> 00:04:53,349 Lynne Gallucci: we have wonderful systems and processes. We can turn that reflection of 85 00:04:53,350 --> 00:04:56,529 Lynne Gallucci: the individual's life into anything that is wanted. And so 86 00:04:56,529 --> 00:05:00,110 Lynne Gallucci: yeah, you're right we do take very much a family centered approach to creating 87 00:05:00,110 --> 00:05:04,060 Lynne Gallucci: those farewells to make them meaningful. And you're also right, 88 00:05:04,110 --> 00:05:06,250 Lynne Gallucci: if there are times where it is tragic, but there 89 00:05:06,250 --> 00:05:09,039 Lynne Gallucci: are also lots of times where people just want to 90 00:05:09,040 --> 00:05:12,860 Lynne Gallucci: celebrate and reflect the difference that individual made to them 91 00:05:12,860 --> 00:05:17,050 Lynne Gallucci: as their family and to their community. I'm constantly amazed by what 92 00:05:17,050 --> 00:05:22,360 Lynne Gallucci: our team do. They absolutely take the elements of someone's life and they listen 93 00:05:23,220 --> 00:05:26,640 Lynne Gallucci: very hard and shape it into a story that reflects 94 00:05:26,640 --> 00:05:29,540 Lynne Gallucci: the life they've lived. And it's incredible the way that they do 95 00:05:29,540 --> 00:05:34,270 Lynne Gallucci: this over and over again and make it personal and unique for the person. The 96 00:05:34,270 --> 00:05:37,410 Lynne Gallucci: work that we do is so intensive. If you think 97 00:05:37,410 --> 00:05:39,930 Lynne Gallucci: about all of the activity that goes into arranging a 98 00:05:39,930 --> 00:05:43,130 Lynne Gallucci: funeral service, and it is just like of organizing a 99 00:05:43,130 --> 00:05:46,070 Lynne Gallucci: big party or a wedding reception, we need to pull 100 00:05:46,070 --> 00:05:52,100 Lynne Gallucci: together celebrants furnishings, venue specifications, flowers, menus, and we have 101 00:05:52,100 --> 00:05:55,140 Lynne Gallucci: to do that in a really quick turnaround. But also 102 00:05:55,140 --> 00:05:56,880 Lynne Gallucci: we're trying to do that at a time when people 103 00:05:56,880 --> 00:05:59,789 Lynne Gallucci: are emotionally disrupted and whilst they might not always be 104 00:05:59,790 --> 00:06:04,180 Lynne Gallucci: grieving, they are always emotionally disrupted. So it is an 105 00:06:04,180 --> 00:06:07,150 Lynne Gallucci: incredible privilege and the fact that we can do it again and again, 106 00:06:07,150 --> 00:06:09,870 Lynne Gallucci: to make a difference to families is a wonderful gift. 107 00:06:10,730 --> 00:06:11,930 Sean Aylmer: Stay with me, Lynne, we'll be back in a minute. 108 00:06:17,790 --> 00:06:21,089 Sean Aylmer: My guest this morning is Lynne Gallucci executive general manager 109 00:06:21,089 --> 00:06:25,250 Sean Aylmer: of InvoCare. Now COVID the last couple of years, the 110 00:06:25,250 --> 00:06:30,039 Sean Aylmer: actual mortality rate has gone down because COVID the illness, 111 00:06:30,040 --> 00:06:34,849 Sean Aylmer: coronavirus, people haven't died from coronavirus as much as other 112 00:06:34,850 --> 00:06:38,890 Sean Aylmer: illnesses during that period. Was COVID actually a bad time, a 113 00:06:38,890 --> 00:06:40,240 Sean Aylmer: tough time for InvoCare? 114 00:06:41,089 --> 00:06:43,419 Lynne Gallucci: That's a really interesting question. I don't think many people 115 00:06:43,420 --> 00:06:47,900 Lynne Gallucci: realize how difficult it was. Families are already under pressure and 116 00:06:48,080 --> 00:06:51,560 Lynne Gallucci: emotional. And they came to us at a time where the reflection 117 00:06:52,250 --> 00:06:54,430 Lynne Gallucci: that they thought they were going to be able to give that family member that they 118 00:06:54,430 --> 00:06:58,870 Lynne Gallucci: care about has been compromised. That wasn't the image that they have 119 00:06:58,940 --> 00:07:00,870 Lynne Gallucci: of the funeral that they were going to be giving 120 00:07:01,339 --> 00:07:05,359 Lynne Gallucci: their loved one. It's been difficult for families because things 121 00:07:05,360 --> 00:07:08,970 Lynne Gallucci: changed very quickly, legislation and rules had to change in 122 00:07:08,970 --> 00:07:12,440 Lynne Gallucci: response to what was happening. But also for our team 123 00:07:12,730 --> 00:07:16,860 Lynne Gallucci: and tiny little things, just having smaller groups of people, 124 00:07:16,860 --> 00:07:21,040 Lynne Gallucci: smaller forums of people meant that there was a greater deal of intimacy, 125 00:07:21,180 --> 00:07:24,330 Lynne Gallucci: a great deal of intimacy we saw. So it hasn't 126 00:07:24,440 --> 00:07:27,140 Lynne Gallucci: been easy for them. And it hasn't been easy for our families. It hasn't been 127 00:07:27,140 --> 00:07:30,100 Lynne Gallucci: easy for our teams, but what I saw was we 128 00:07:30,100 --> 00:07:34,510 Lynne Gallucci: continued to arrange these exceptional services to allow families to 129 00:07:34,510 --> 00:07:36,590 Lynne Gallucci: say goodbye. And the other thing that we've seen is 130 00:07:37,220 --> 00:07:40,860 Lynne Gallucci: people have come back 6 and 12 and 18 months later and 131 00:07:40,860 --> 00:07:45,160 Lynne Gallucci: conducted a Memorial service that was more relevant. And we actually 132 00:07:45,160 --> 00:07:47,350 Lynne Gallucci: had that happen in my own family, with my sister- in- 133 00:07:47,350 --> 00:07:49,930 Lynne Gallucci: law and 15 months later got together and had a 134 00:07:49,930 --> 00:07:53,740 Lynne Gallucci: funeral which was an amazing party. So people are thinking 135 00:07:53,740 --> 00:07:56,270 Lynne Gallucci: differently about how to reflect the life of the person 136 00:07:56,270 --> 00:07:56,380 Lynne Gallucci: that's passed away. 137 00:07:58,370 --> 00:08:00,860 Sean Aylmer: Do you think the pandemic will have changed how people 138 00:08:00,860 --> 00:08:02,210 Sean Aylmer: think about death? 139 00:08:02,730 --> 00:08:06,070 Lynne Gallucci: I don't know whether the community will continue to think differently about 140 00:08:06,680 --> 00:08:10,500 Lynne Gallucci: death. One of our really key partnerships that we've introduced 141 00:08:10,580 --> 00:08:12,100 Lynne Gallucci: over the last 12 months is with a group called 142 00:08:12,100 --> 00:08:16,350 Lynne Gallucci: Violet and Violet exists to try and reduce the number 143 00:08:16,350 --> 00:08:20,330 Lynne Gallucci: of regrettable outcomes. So their data says that two thirds 144 00:08:20,330 --> 00:08:25,510 Lynne Gallucci: of the deaths, it's about 65, 000 deaths in Australia a year, about two thirds of 145 00:08:26,040 --> 00:08:29,700 Lynne Gallucci: them have a regrettable outcome. I. e. The individuals either 146 00:08:30,090 --> 00:08:33,150 Lynne Gallucci: weren't ready or didn't have enough knowledge to be able to plan for their 147 00:08:33,570 --> 00:08:38,819 Lynne Gallucci: end of life as well as they wanted to. And so our partnership with Violet is going to enable our 148 00:08:38,820 --> 00:08:41,780 Lynne Gallucci: team to understand how to work with carers. And it's 149 00:08:41,780 --> 00:08:46,030 Lynne Gallucci: also going to enable Violet to understand how to deliver the 150 00:08:46,030 --> 00:08:48,370 Lynne Gallucci: kind of services that people want as they start to 151 00:08:48,840 --> 00:08:52,559 Lynne Gallucci: personalize and make their services much less traditional. And that 152 00:08:52,559 --> 00:08:55,900 Lynne Gallucci: changes by market. So I'm hopeful that our relationship with Violet 153 00:08:56,520 --> 00:08:59,750 Lynne Gallucci: and the focus that they're getting will enable the community 154 00:09:00,059 --> 00:09:03,450 Lynne Gallucci: to feel more comfortable with the conversations that have to 155 00:09:03,450 --> 00:09:04,970 Lynne Gallucci: happen around end of life planning. 156 00:09:05,590 --> 00:09:07,559 Sean Aylmer: So you mentioned pet cremations at the beginning there. You're going to have to talk about that just a little bit. 157 00:09:09,760 --> 00:09:11,920 Sean Aylmer: There seems to be quite a strong demand for that at the moment. 158 00:09:11,921 --> 00:09:16,829 Lynne Gallucci: Yeah, I think, well, one of the thing that we saw during COVID was an increase in a 159 00:09:16,830 --> 00:09:20,170 Lynne Gallucci: number of pets and that pets are absolutely becoming part 160 00:09:20,170 --> 00:09:23,920 Lynne Gallucci: of the family. Certainly myself, I refer to my pet family, 161 00:09:23,920 --> 00:09:25,670 Lynne Gallucci: maybe not quite as often as I refer to my 162 00:09:25,670 --> 00:09:25,981 Lynne Gallucci: human family. 163 00:09:25,981 --> 00:09:29,190 Sean Aylmer: I like my pet family better than my human family sometimes. 164 00:09:30,850 --> 00:09:38,040 Lynne Gallucci: There are times when that's true, isn't it. But we see the same thing with pet cremation that we're seeing with human end of life services. 165 00:09:38,040 --> 00:09:43,740 Lynne Gallucci: So there's an increased personalization. There's a demand for mementos 166 00:09:43,740 --> 00:09:47,059 Lynne Gallucci: and memorialization of that pet and the difference that the 167 00:09:47,059 --> 00:09:51,080 Lynne Gallucci: pets made in our lives. And just looking around at what we saw over the last couple 168 00:09:51,080 --> 00:09:54,710 Lynne Gallucci: of years with animals and how important they were to us over the 169 00:09:55,730 --> 00:09:59,950 Lynne Gallucci: 18 months we've purchased or acquired pet cremation businesses in 170 00:09:59,950 --> 00:10:04,450 Lynne Gallucci: New South Wales, Queensland WA Vic in south Australia. And 171 00:10:04,450 --> 00:10:06,650 Lynne Gallucci: we also launched eCommerce. And so what we've seen is 172 00:10:06,650 --> 00:10:10,760 Lynne Gallucci: people want to be able to browse for mementos and offerings and 173 00:10:11,650 --> 00:10:14,530 Lynne Gallucci: little opportunities to remember those pets that they cherished for, 174 00:10:14,800 --> 00:10:19,080 Lynne Gallucci: what's generally quite a contained period of time between 10 and 20 175 00:10:19,080 --> 00:10:21,950 Lynne Gallucci: years. So it's a natural evolution for us. We've been 176 00:10:21,950 --> 00:10:25,250 Lynne Gallucci: operating for decades in the end of life market, and we're 177 00:10:25,250 --> 00:10:28,690 Lynne Gallucci: really pleased we'll be able to transfer our knowledge across to the pet sector 178 00:10:28,690 --> 00:10:29,230 Lynne Gallucci: as well. 179 00:10:29,590 --> 00:10:33,080 Sean Aylmer: Okay. The other thing is when I was growing up the... I lived in a country 180 00:10:33,080 --> 00:10:37,570 Sean Aylmer: town and there were three funeral directors, all men. Now 181 00:10:37,570 --> 00:10:42,429 Sean Aylmer: increasingly, if I go to funerals, particularly White Lady is 182 00:10:42,429 --> 00:10:44,540 Sean Aylmer: the obvious example here, but there are a lot of 183 00:10:44,540 --> 00:10:48,470 Sean Aylmer: women in the industry now, is that something you are working 184 00:10:49,370 --> 00:10:52,179 Sean Aylmer: or you are pushing, or is it just... It seems 185 00:10:52,179 --> 00:10:53,870 Sean Aylmer: to me that there are more women in the industry. 186 00:10:53,870 --> 00:10:54,540 Sean Aylmer: Is that fair to say? 187 00:10:55,190 --> 00:10:58,870 Lynne Gallucci: I think it is fair to say. The reality is that we do have a large proportion 188 00:10:58,870 --> 00:11:02,050 Lynne Gallucci: of women and particularly doing that frontline job of caring 189 00:11:02,050 --> 00:11:06,770 Lynne Gallucci: for our families. We've got really strong diversity inclusion policies. And 190 00:11:06,770 --> 00:11:11,190 Lynne Gallucci: our aim is to foster this environment that attracts and nurtures 191 00:11:11,190 --> 00:11:15,340 Lynne Gallucci: diversity of thought. It's interesting, I'm particularly proud of our inclusive 192 00:11:15,350 --> 00:11:18,960 Lynne Gallucci: funeral strategy. So as a migrant and a female myself, 193 00:11:19,050 --> 00:11:22,569 Lynne Gallucci: I know that the success of inclusive funerals will be 194 00:11:22,570 --> 00:11:26,630 Lynne Gallucci: adopting this wide range of team members who have diversity in age 195 00:11:26,630 --> 00:11:30,510 Lynne Gallucci: and gender and mobility and culture and all of those. The 196 00:11:30,510 --> 00:11:35,400 Lynne Gallucci: reality is InvoCare serves an amazing melting pot that's Australia. 197 00:11:37,050 --> 00:11:40,470 Lynne Gallucci: And so we want our workforce to reflect the people that we serve. It's interesting talking 198 00:11:40,470 --> 00:11:44,020 Lynne Gallucci: about White Lady or White Lady brand, because the history of the brand 199 00:11:44,020 --> 00:11:48,059 Lynne Gallucci: says everything I think. We created it in 1982 and 200 00:11:48,059 --> 00:11:50,610 Lynne Gallucci: we wanted to provide choice to the families of Australia. And 201 00:11:50,640 --> 00:11:54,130 Lynne Gallucci: we created an offer that was exactly the opposite of 202 00:11:54,130 --> 00:11:56,900 Lynne Gallucci: everything. And you talk about the country town that was representative 203 00:11:57,160 --> 00:12:01,490 Lynne Gallucci: across Australia, men in black provided funerals. So we wanted to 204 00:12:01,490 --> 00:12:04,600 Lynne Gallucci: offer choice and we created our empathetic brand and it has 205 00:12:04,600 --> 00:12:08,189 Lynne Gallucci: this focus on women's understanding. So we are proud that 206 00:12:08,190 --> 00:12:10,829 Lynne Gallucci: the White Lady Funerals team renowned for that caring and 207 00:12:10,870 --> 00:12:15,620 Lynne Gallucci: an empathetic approach to families center services. And we'll continue 208 00:12:15,620 --> 00:12:18,300 Lynne Gallucci: to support that as long as we can. 209 00:12:18,300 --> 00:12:19,860 Sean Aylmer: Lynne, thank you for talking to Fear and Greed. 210 00:12:20,630 --> 00:12:21,100 Lynne Gallucci: That's my pleasure. 211 00:12:21,980 --> 00:12:26,340 Sean Aylmer: That was Lynne Gallucci. She's the executive general manager of InvoCare. This is a Fear 212 00:12:26,730 --> 00:12:28,900 Sean Aylmer: and Greed daily interview. Join us every morning for the 213 00:12:28,900 --> 00:12:32,330 Sean Aylmer: full episode of Fear and Greed Australia's most popular business 214 00:12:32,330 --> 00:12:34,619 Sean Aylmer: podcast. I'm Sean Aylmer. Enjoy your day.