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Speaker 1: Welcome to Fear and Greed Q and A, where we

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Speaker 1: ask and answer questions about business, investing, economics, politics and more.

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Speaker 1: I'm Michael Thompson, and good morning, Sean Aylmer. Good morning, Michael,

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Speaker 1: Good morning to you. Adam Lane, Good morning Michael, and

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Speaker 1: good morning Sean. Look today today, I want to look

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Speaker 1: at some data that has come out from the payment

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Speaker 1: company Tyro. And I know, Adam, this is very much

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Speaker 1: kind of you love data. Yeah, but the headline here

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Speaker 1: is that the Ossie shout, the great Ossy Shout might

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Speaker 1: be dead right because drinks are too expensive now for

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Speaker 1: people to shout around. And also that the consumers are

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Speaker 1: hitting a ceiling on what they are willing to pay

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Speaker 1: for various things. They've just gone up. This is actually

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Speaker 1: too much and I either can't go out, I can't

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Speaker 1: spend money at a local business, or if I'm out there,

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Speaker 1: I'm just buying for myself and I'm not buying for

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Speaker 1: other people. So I have eight questions for the pair

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Speaker 1: of you. Oh God, yes, yes or no answer is fine,

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Speaker 1: though you may be asked to justify your answer, show

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Speaker 1: your working out, show your reasoning. Sean, is the Aussie

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Speaker 1: shout officially dead. Is it the end of matship, the

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Speaker 1: end of bill splitting? Is pub culture gone? Is the

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Speaker 1: Aussie shout dead?

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Speaker 2: Yes? Or no? No? Adam no?

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Speaker 1: So you still would would gladly do it if a

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Speaker 1: If you go to a pub and all of a sudden,

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Speaker 1: this is part of what the data went into. Okay,

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Speaker 1: you've got three friends who are getting there getting beers,

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Speaker 1: and then you've got six friends who all getting kind

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Speaker 1: of twenty six dollars cocktails. Are you still comfortable with

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Speaker 1: the Aussie shout with buying around?

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Speaker 3: What a surprise that some people have said, Oh no,

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Speaker 3: I'm not happy with that. My eighteen year old, I say,

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Speaker 3: what do you do with your money? It goes I'm

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Speaker 3: just generous when I go to the pub. I thought,

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Speaker 3: oh yeah, turn it on, And I asked his mates,

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Speaker 3: Oh yeah he does. He's always outing go dice. But

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Speaker 3: I mean not sensible with your money?

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Speaker 2: No. No.

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Speaker 1: Question Number two, what's your personal coffee ceiling? This is

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Speaker 1: what the data went into, kind of I will not

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Speaker 1: pay beyond this point for a coffee, and Sean, I

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Speaker 1: reckon every second day when I speak to you, I

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Speaker 1: can hear when I bring you up on the phone.

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Speaker 1: I hear you in the I hear you actually go

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Speaker 1: Michael to say that one second, yeah, flat white please.

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Speaker 1: So I know that you are a frequenter of your

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Speaker 1: local coffee shop. What is your coffee ceiling?

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Speaker 3: The funny thing is six months ago, it's five dollars.

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Speaker 3: Today it's six dollars.

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Speaker 1: Really, okay, okay, Adam.

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Speaker 4: So I was in an airport during the week and

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Speaker 4: paid eight dollars. Oh, now, I know, I see foolish.

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Speaker 4: I didn't check before I ordered, and I know that

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Speaker 4: if I saw it, I wouldn't have ordered it, right,

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Speaker 4: But I still, of.

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Speaker 2: Course I paid.

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Speaker 4: I'd ordered it.

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Speaker 1: What milk did you?

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Speaker 4: I found my ceiling.

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Speaker 1: The milk added four But and you know that the

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Speaker 1: worst part is as well. Almost universally airport coffee is rubbish.

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Speaker 1: So you're paying for not very good coffee.

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Speaker 2: You're paying premium.

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Speaker 1: It's very popular though, well it's necessary, but it's not

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Speaker 1: very good.

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Speaker 2: Now.

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Speaker 1: Question number three should non drinkers split the drink spill?

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Speaker 2: Right?

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Speaker 1: Say you're out for out for a meal and you've

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Speaker 1: got a couple of non drinkers at the table, and

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Speaker 1: you've had a few bottles of wine. Is it fair

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Speaker 1: to expect a non drinker to split the drink spill Adam, No, Sean, No,

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Speaker 1: they don't have to pay good. I'm getting a sense

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Speaker 1: that you both are very just decent drinkers.

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Speaker 2: I've taken the bulk of this.

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Speaker 3: I've got to say, I've done Adam for many years

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Speaker 3: and never in my mind has like money coming to like.

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Speaker 3: Never have I thought, Adam, it's your shout, or Adam,

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Speaker 3: you'll be like. We've worked with each other, known each other.

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Speaker 3: So I've got to say, Adam, and I think this

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Speaker 3: to your absolute credit, never has money been a driver

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Speaker 3: for you or like, I've never come across the instance

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Speaker 3: where you've been worried about money, which I think is

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Speaker 3: a great thing.

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Speaker 4: Next question, I just think you're both the same. But

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Speaker 4: I love the spirit of Darcy. I think first in

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Speaker 4: lead the way.

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Speaker 1: Isn't that awesome You've got lots of mates? Then yeah, yeah,

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Speaker 1: yeah a round. Are weekend search charges an Australian or

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Speaker 1: are they just? Are they just a reality of doing

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Speaker 1: business in Australia now in twenty twenty.

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Speaker 3: Six, So I think there's a difference between weekend and

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Speaker 3: Sunday search charges.

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Speaker 2: I think.

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Speaker 3: I'm against them, right, so I think it's a bad thing.

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Speaker 3: I think when people try and search charge you on

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Speaker 3: a Saturday where my kids aren't getting time and a half,

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Speaker 3: they to get time and a half on a Sunday,

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Speaker 3: I'd actually I'll walk away from the cafe, won't go there. Yeah,

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Speaker 3: and even on a public holiday, and I know it

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Speaker 3: must be more costly, just irritates me not going there.

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Speaker 3: I mean, work it out, fellas. You know, when the

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Speaker 3: public holidays are put it into your other pricing. An Australian,

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Speaker 3: you would rather pay higher pricing all year round, two

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Speaker 3: percent higher all year round.

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Speaker 2: Yep.

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Speaker 3: Then it just really surcharging holiday searcharging irritates me.

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Speaker 2: Okay, all right, what about you, Adam.

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Speaker 4: Yeah, totally agree.

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Speaker 2: I'm the same.

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Speaker 4: I just think it's awful when you see surcharges and

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Speaker 4: it's like, come on, it's a gouge.

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Speaker 2: Just get your business right.

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Speaker 1: Yeah, wow, okay, some strong opinions.

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Speaker 2: Yeah, I would have thought that that.

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Speaker 1: I'm not okay with weekend surcharges public holidays, just because

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Speaker 1: it can be such a big jump up. The penalty

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Speaker 1: rates can be so high that I do understand it

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Speaker 1: on those one super busy Yeah, but they're no busier

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Speaker 1: often than a normal weekend, right, Like if you yeah,

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Speaker 1: that's and that's the alternative, right you just open at all,

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Speaker 1: But then you lose that relationship with the customer. You're

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Speaker 1: kind of you're between a rock and a hard place.

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Speaker 1: So I feel for cafe owners in that thinking Justine

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Speaker 1: cafes in that particular case question number five, And I

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Speaker 1: think you might have almost disproven this one with Darcy Sean.

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Speaker 1: But gen z better at money boundaries, then say baby boomers, right,

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Speaker 1: because young This data found that young people are more

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Speaker 1: comfortable paying higher prices, but they're also more likely to

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Speaker 1: only pay for themselves when they're paying these these higher prices.

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Speaker 1: And so it was kind of are they are they tighter,

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Speaker 1: are they smarter, or they more financially literate, or are

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Speaker 1: they just very generous as in your son's case.

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Speaker 3: That's a tricky one because what amazes to me what

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Speaker 3: they will pay for So they'll pay for an uber

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Speaker 3: home late at night. Now, when I was their age,

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Speaker 3: I got the three to eighty bus, which is like

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Speaker 3: a party bus from the city to Bondi and it

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Speaker 3: was everyone was drunk. It was kind of fun, a

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Speaker 3: little dangerous. It ran at three o'clock in the morning,

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Speaker 3: so he could do that. My kids would seldom get

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Speaker 3: public transport late at night, I'd say, but you could

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Speaker 3: save yourself one hundred bucks getting home from Manly to

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Speaker 3: Tarra Murro. It's probably one hundred and fifty bucks, you know,

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Speaker 3: get the ferry into the city, get the train out.

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Speaker 2: So I don't even know.

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Speaker 3: The question is what amazed me is that they're happy

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Speaker 3: to spend high amounts of money on things that I

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Speaker 3: would never have spent the money on. That's what surprises me.

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Speaker 1: Yeah, yeah, like I actually kind of agree with you

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Speaker 1: on the whole uber thing. I remember at Uni you

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Speaker 1: would rather walk in the dead of kind of a

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Speaker 1: Baptist winter's night when zero degrees you'd rather walk home

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Speaker 1: from the Ox back to back seven bucks? Yeah, absolutely,

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Speaker 1: and seven bucks that at that time could actually do

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Speaker 1: three goon sunrises at the UNI bar.

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Speaker 3: Thank you very much, sunrise. I must say, when your

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Speaker 3: kids move. So my kids that have moved out, there's

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Speaker 3: only one that's moved out right. He is fan chout

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Speaker 3: out to Oli. He's so good with his money, he

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Speaker 3: doesn't waste it. But that's because he's paying rent. And

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Speaker 3: that's busy, he's paying utilities and like he doesn't got

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Speaker 3: a choice. Kids that live at home. Bloody hopeless.

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Speaker 1: We are running out of time, so I'm going to

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Speaker 1: have to blast through these last couple, Adam. Q are

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Speaker 1: ordering right, You know when you go to a restaurant

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Speaker 1: or a cafe and you've got to order through the

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Speaker 1: QR code. Is it saving friendships or is it ruining

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Speaker 1: nights out? Because all of a sudden now everyone's just

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Speaker 1: having to go on order for themselves and it creates

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Speaker 1: those money boundaries.

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Speaker 2: Is it good? Bad?

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Speaker 1: You just don't care.

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Speaker 4: I actually think it's good. I'm unaccustomed to it, so

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Speaker 4: I do find it a bit awkward to work through

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Speaker 4: the whole mechanics of it all, but I think it's

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Speaker 4: actually quite good.

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Speaker 1: Okay, all right, bad? Oh you're against it?

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Speaker 2: Yeap?

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Speaker 3: People if you're not numerate and you can't work it out, yeah,

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Speaker 3: well that's.

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Speaker 2: You're no friend of mine. Yeah.

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Speaker 1: I just don't like it as well, because it just

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Speaker 1: means automatically everyone's on their phones and then they just

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Speaker 1: don't get off their phones to the rest of the

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Speaker 1: for the rest of the time. Question number seven is

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Speaker 1: one hundred dollars for a round ever, okay, like if

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Speaker 1: you because of okay, I feel like I needed to

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Speaker 1: put some kind of guidelines in place around here. But

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Speaker 1: because it has gotten so expensive, right, the price of

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Speaker 1: drinks at a at a pub that one hundred dollars.

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Speaker 1: And this was one of the findings within this within

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Speaker 1: this data that because around can now be one hundred

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Speaker 1: dollars without evan blinking, that a lot of people are

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Speaker 1: kind of shying away from it. Just yes, Adam, you're

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Speaker 1: okay with it. Sean, you're okay with it on occasion,

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Speaker 1: but should know mates be morally obliged to return the favor?

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Speaker 3: Yes, I'll spend one hundred bucks too, right, Adam, You've

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Speaker 3: got to spend on me last one.

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Speaker 4: I'm getting to a certain age, Michael. And the gronie

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Speaker 4: of an occasion is a nice thing. And if.

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Speaker 2: It's very quick, all right.

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Speaker 1: But all of a sudden, if you've got four of

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Speaker 1: you and everyone needs to return the favor, suddenly you

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Speaker 1: are foreigner gronies.

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Speaker 2: And dinner hasn't even arrived. About what happened?

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Speaker 3: What about if you're the fifth person or the seventh person,

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Speaker 3: and it's a couple a couple, and you and so

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Speaker 3: the shout goes a couple couple you or worse you

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Speaker 3: go you couple, couple, and then it's back to you.

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Speaker 3: It's like, well, hold on, now they had couples, so

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Speaker 3: they should be shouting too. Perfect the terrible scenario to

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Speaker 3: be in.

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Speaker 2: Last one.

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Speaker 1: Tipping right, Will you tip regularly or do you feel

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Speaker 1: that it actually requires exemplary service?

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Speaker 4: It requires exemplary service?

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Speaker 2: And yes I do.

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Speaker 3: Okay, I mean I've shifted. I often tip for good service. Yeah,

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Speaker 3: I mean I'd probably tipped too.

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Speaker 1: Much really, so if they see you coming, they're like, oh,

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Speaker 1: here we go, We've got.

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Speaker 2: A whale ladies and gentlemen.

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Speaker 3: Bit like say, last night I generated tip, but I

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Speaker 3: was only there for forty minutes, and like they weren't great,

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Speaker 3: and I'm like, why should I tip you?

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Speaker 2: But generally I find it hard.

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Speaker 3: I mean it is an age thing. You know, you

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Speaker 3: meet fifties and you suddenly at mid to late fifties

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Speaker 3: and you've got more money. You've got more money, and

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Speaker 3: you're some twenty year old and you think that's like

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Speaker 3: my kid trying to make a living. I'm much more

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Speaker 3: likely to tip them.

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Speaker 1: Yeah, okay, yeah, because I think one in one hundred

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Speaker 1: transactions process on the Tyro platform includes a tip, which

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Speaker 1: is just it is so you, right, But a lot

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Speaker 1: of those I just retail sales, but also buying a coffee, right,

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Speaker 1: You're not going to tip for a coffee for a

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Speaker 1: eight dollar coffee at the airport now probably likely to

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Speaker 1: set that place on fire. All right, I think we've

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Speaker 1: answered those questions adequately. Thank you both. Actually, really I

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Speaker 1: learned quite a lot about both of you. It feels

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Speaker 1: like I've done some kind of psychoanalysis on the fair

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Speaker 1: of his.

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Speaker 2: Thank you for indulging me. Thank you, Sean, Thanks Michael,

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Speaker 2: Thank you, Adam, Thank you Michael, Thank you Sean.

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Speaker 1: If you've got a question that you would like us

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Speaker 1: to get into all eight questions, you can send them

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Speaker 1: all through.

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Speaker 2: And I'll put them to both of both Sean and Adam.

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Speaker 1: Send them on through on LinkedIn or Instagram or head

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Speaker 1: of Beer and Greed dot com.

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Speaker 2: Today you I'm Michael Thompson, and this is Beer and

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Speaker 2: Greed Q and a