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Speaker 1: So many of us have been told that gap cover

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Speaker 1: is essential to have in order to avoid those big

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Speaker 1: out of pocket medical bills, and as I said earlier

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Speaker 1: in the show, that's certainly what I was told by

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Speaker 1: my financial advisor several years ago. I didn't have gap cover,

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Speaker 1: I think largely because I didn't really understand what the

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Speaker 1: product was, and then there was probably a bit of

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Speaker 1: me that just felt a bit aggrieved that I ought

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Speaker 1: to now have another product to fill in the gap

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Speaker 1: of the existing product that I felt I was paying

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Speaker 1: through the nose for. I'm sure I can't be alone

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Speaker 1: on that in that, but I have been on a

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Speaker 1: gap cover plan ever since, and personally for me, I found.

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Speaker 2: It very useful.

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Speaker 1: Two babies later and an unexpected ton select me in

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Speaker 1: twenty twenty one, and it has helped. It's meant to

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Speaker 1: protect you, of course, when there is a gap in

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Speaker 1: what your medical scheme pays, but the reality is a

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Speaker 1: bit more nuanced, and some experts say that not everyone

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Speaker 1: necessarily needs it, and that in some cases upgrading to

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Speaker 1: a more comprehensive medical scheme option could offer similar protection.

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Speaker 1: But I think it's one of those things when it

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Speaker 1: comes to taking care of ourselves and our families in

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Speaker 1: the healthcare space, that there are lots of questions unanswered,

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Speaker 1: and so joining us to answer those questions, hopefully for

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Speaker 1: our sort of gap cover. One oh one this morning,

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Speaker 1: somebody that I haven't spoken to for years. Delighted to

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Speaker 1: welcome you back to the show, Financial Election and financial journalist,

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Speaker 1: my official French My good morning.

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Speaker 2: Good to have you with us.

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Speaker 3: Yes, good morning, and a great topic. It's one that

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Speaker 3: I think people are very interested in. So yeah, I

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Speaker 3: think we're gonna have a good conversation.

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Speaker 2: Yeah, I agree.

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Speaker 1: Let's start then with the basics. What is it, What

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Speaker 1: is gap cover, and what problem is it designed to solve.

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Speaker 3: I think what's very important to understand is that gap

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Speaker 3: cover only works in conjunction with a medical scheme. So

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Speaker 3: it's not something that you can buy as a separate

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Speaker 3: product if you don't have a medical scheme.

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Speaker 4: So your medical scheme.

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Speaker 3: The whole point of gap cover is covers what your

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Speaker 3: medical scheme doesn't pay for.

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Speaker 4: And I think this is a bit of a misunderstanding.

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Speaker 3: So people think, oh, I can take our gap cover

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Speaker 3: and I don't need to have a medical aid, But

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Speaker 3: that's not at all. It is simply, it pays in

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Speaker 3: a shortfall. So that's really what it is. And it

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Speaker 3: has become very popular partly because we see many specialists

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Speaker 3: now charging well above what a medical scheme will pay.

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Speaker 3: So medical schemes will say we have a specialist rate

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Speaker 3: of you know, we'll pay up to two hundred percent

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Speaker 3: of the schemes rate for the specialist, but the specialist

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Speaker 3: is charging four hundred percent.

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Speaker 4: So people have been going.

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Speaker 3: To hospital discovering that their bills are not fully paid.

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Speaker 4: And this is really what the gap cover is meant

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Speaker 4: to do.

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Speaker 2: And is this for inpatient outpatient?

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Speaker 1: I mean, if I've got, you know, a dodgy dodgy

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Speaker 1: foot or something and I need to go and see

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Speaker 1: somebody about that. And as you say that there is

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Speaker 1: that gap to pay, is it going to cover, for example,

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Speaker 1: a consultation or is it going into hospital as an

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Speaker 1: inpai and having surgery.

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Speaker 3: Yeah, so it is primarily for hospitalization. So some again

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Speaker 3: you've got to look at your plans. Some plans may

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Speaker 3: say they may include to out of hospital specialists visits

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Speaker 3: a year, for example, so you need to look at

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Speaker 3: your scheme. But it is primarily there for hospitalization, not

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Speaker 3: really for out of hospital illness, out of hospital procedures

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Speaker 3: or specialists.

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Speaker 1: Why is there this gap though? And I suppose that's

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Speaker 1: a conversation we could have forever. But so many medical

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Speaker 1: professionals in South Africa are charging above medical scheme rates

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Speaker 1: that create that gap in the first place. Is it

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Speaker 1: a situation, you know? And I imagine that's always going

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Speaker 1: to happen.

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Speaker 2: The medical the.

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Speaker 1: Health consultants will keep going up, and the medical aid

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Speaker 1: will keep going up, but there's always going to be

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Speaker 1: this gap in the middle.

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Speaker 2: I would imagine.

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Speaker 3: It's been very interesting to watch Sarah Jane to see

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Speaker 3: how specialists costs have increased as gap cover has been introduced.

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Speaker 3: And I'm going to be maybe a little bit controversial,

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Speaker 3: but I do think to some degree gap cover is

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Speaker 3: pushing up specialist costs because I don't if you've ever

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Speaker 3: been to see a specialist having a procedure that you

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Speaker 3: have gap cover. And I've actually had a personal experience

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Speaker 3: of this with my mom. My mother has gap cover.

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Speaker 3: I think, especially as you get older, you need to

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Speaker 3: make sure you have these things in place. And she

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Speaker 3: did not tick that box to say she had gap cover,

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Speaker 3: and the specialist submitted the bill to the she had

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Speaker 3: an operation. The specialist submitted the bill to the medical scheme.

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Speaker 3: The medical scheme had quite a big shortfall. They didn't

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Speaker 3: cover a portion of that of that specialist. And I

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Speaker 3: was waiting for the invoice and the balance and that

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Speaker 3: I could, you know, to pay it and then sort

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Speaker 3: out the gap cover. And we never got the bill.

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Speaker 3: And then I contacted the surgeon and they said no, no, no,

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Speaker 3: there was no shortfall because ultimately, if she had gap cover,

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Speaker 3: they would.

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Speaker 4: Have sent the bill. So I think we need to

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Speaker 4: and I am raised.

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Speaker 3: I have been raising this quite a lot in art

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Speaker 3: to say to what point is the insurance creating the problem.

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Speaker 4: We may have very many and heavy specialists songs on.

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Speaker 3: The line scene, but I think we do need to

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Speaker 3: wonder to what extent you know that this is sort

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Speaker 3: of pushing out prices as well?

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Speaker 1: I agree agree now the question as to who should

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Speaker 1: should have it. So when I went to go and

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Speaker 1: started working with a financial advisor, what's seven eight years ago,

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Speaker 1: and she said to me, you need to have gap cover,

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Speaker 1: And as I said, you know in the introduction, it's

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Speaker 1: not something I'd ever thought about really, And I think

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Speaker 1: when I did then think about it. I kind of thought, gosh,

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Speaker 1: what isn't that what I'm playing my medical aid for?

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Speaker 1: So is it something that everyone on a medical scheme

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Speaker 1: should have or does it really depend on the type

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Speaker 1: of plan you're on, because this was you know, I've

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Speaker 1: since being on a medical aid when I came back

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Speaker 1: to South Africa. The medical aid I have now is

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Speaker 1: not as comprehensive as the one that I had sort

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Speaker 1: of ten fifteen years ago, because there's now two dependents

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Speaker 1: on there, and you know, factors that are different. I

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Speaker 1: could afford to have a pretty swishy one fifteen years ago,

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Speaker 1: and that's not the situation now. You know, I've got

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Speaker 1: an all right one.

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Speaker 2: But do we all need it?

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Speaker 1: Or are there just some medical aid schemes where if

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Speaker 1: you're kind of in the upper echelons of that, you're

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Speaker 1: going to be sorted.

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Speaker 4: I think you.

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Speaker 3: Certainly, if you have more comprehensive scheme, you don't need it.

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Speaker 3: And what we are seeing is a lot of people

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Speaker 3: perhaps using a basic hospital plan and then having gap cover.

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Speaker 3: But one of the things that I find is that

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Speaker 3: we could get a lot more out of our medical

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Speaker 3: schemes than we realize, and we rely a little bit

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Speaker 3: there was too much on gap cover.

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Speaker 4: So I'll give you an example.

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Speaker 3: I had to be hospitalized recently, and because I went

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Speaker 3: to the network hospital and I used a network specialist,

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Speaker 3: my scheme paid one hundred of that. You know, I

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Speaker 3: was an illness and I was hospitalized for it. There

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Speaker 3: was absolutely no shortfall at all. So I think we

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Speaker 3: need if we are prepared to use the networks, if

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Speaker 3: you're prepared to use the specialists that are on that network,

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Speaker 3: and I mean the schemes now have pretty comprehensive specialists networks,

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Speaker 3: we don't necessarily have this going to have the same

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Speaker 3: gaps in cover, so I think, and I've even recently

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Speaker 3: did an article about my mother going to emergency room,

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Speaker 3: and that's another big one, right, your medical scheme doesn't

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Speaker 3: cover emergency room. Yeah, business understanding, and that's often where

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Speaker 3: the gap cover cat could step in. But in this case,

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Speaker 3: I knew that if the doctor wrote a motivating letter

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Speaker 3: and all the rest, and we got her emergency room

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Speaker 3: bills paid in full by her medical scheme. So I

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Speaker 3: do think we have got a little bit lazy and

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Speaker 3: in one sense of not going to find out, you know,

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Speaker 3: let's choose the specialist on our scheme and that will

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Speaker 3: keep the costs down. So I would say, if you

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Speaker 3: don't have gap cover and you don't want to spend

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Speaker 3: more money, go make sure that you understand your scheme,

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Speaker 3: what it covers, and get as much as you can

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Speaker 3: out of it.

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Speaker 1: I think that's also such a good point, and been

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Speaker 1: guilty of doing this when it comes to sort of

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Speaker 1: November and I get the email round saying, oh, this

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Speaker 1: is how much things are going to go up next

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Speaker 1: year and this do you want to change your medical

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Speaker 1: aid plan? And rather than actually reading all of the

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Speaker 1: fine print, I immediately go to that column where it

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Speaker 1: talks about how much it's going up and what it's

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Speaker 1: going to be.

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Speaker 2: And my decision is based on that.

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Speaker 1: I don't and I agree with that thing in that

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Speaker 1: I wonder how many of us are actually making the

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Speaker 1: fall the most use of the medical scheme that we've got,

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Speaker 1: and I would be guilty of doing exactly that. If

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Speaker 1: you're just joining us this morning at seven forty five,

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Speaker 1: you're listening to Weekend Breakfast with Me. Sarah Jane at

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Speaker 1: Macguala King absolutely thrilled to be speaking this morning to

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Speaker 1: financial journalist Maya Fisher, French who I don't think I've

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Speaker 1: spoken to.

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Speaker 2: For years, certainly before I had children.

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Speaker 1: I don't think we were having a very different conversations

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Speaker 1: in the sort of twenty seventeen, twenty eighteen, Smaya, we're

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Speaker 1: talking about gap cover this morning.

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Speaker 2: Have you got it? Do you need it?

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Speaker 1: We're sort of doing a gap cover one oh one.

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Speaker 1: So I wonder, then, in what situations might upgrading your

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Speaker 1: medical scheme option be a better solutionn't my than getting

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Speaker 1: gap cover or is does that situation exist or no?

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Speaker 4: I suppose it.

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Speaker 3: Does a little bit come down to the costs. And

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Speaker 3: I didn't have to have a good laugh because I

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Speaker 3: think we all do that. We all look at, oh

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Speaker 3: what is that plan? Maybe I should be downgrading you

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Speaker 3: stead of finding out what I actually get on that plan.

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Speaker 3: So I think you need to do the cost analysis partly.

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Speaker 3: But you know, when you're looking at a medical a

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Speaker 3: medical scheme, it's not just about the hospitalization. There's often

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Speaker 3: other benefits that come with it. So, for example, if

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Speaker 3: you have a chronic condition, you may it may be

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Speaker 3: beneficial for you to upgrade your plan, and that may

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Speaker 3: not be covered necessarily by gap covers. Your medications on

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Speaker 3: chronic medication, and I really have seen and I am

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Speaker 3: quite an advocate for financial advice because I certainly benefited

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Speaker 3: from it.

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Speaker 4: I think when.

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Speaker 3: You're sitting with and you were talking about your financial advisor,

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Speaker 3: they have changed my life plan. Yeah, absolutely, and if

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Speaker 3: they understand the plan, they can say and I reach

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Speaker 3: got great advice when we were selecting our plans as

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Speaker 3: to which plan would meet our specific needs. And I

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Speaker 3: think that is that is a really good starting point.

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Speaker 3: Is does the scheme that the plan that I'm on

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Speaker 3: meet my needs? And then if it meets my needs

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Speaker 3: to a certain degree, but there's still this gap cover issue,

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Speaker 3: then you.

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Speaker 4: Could look at it.

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Speaker 3: So I think you do need to really start with

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Speaker 3: what is it that you need from your medical scheme.

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Speaker 4: But I think another thing.

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Speaker 3: Sarah Jane, where where gap cover is becoming very important

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Speaker 3: is unfortunately, the sadly the increase in cancer. Sure, so

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Speaker 3: we are seeing that the medical schemes, you know, they

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Speaker 3: have limits as to how much or to what therapies

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Speaker 3: and treatments they will cover. And this is we probably

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Speaker 3: spent another hour explaining prescribement benefits. Basically, the schemes only

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Speaker 3: have to cover what is available in state hospitals under

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Speaker 3: prescribement benefits, and we have a lot of new cutting edge,

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Speaker 3: you know, treatments for cancer, and that is where often

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Speaker 3: the gap cover STIPs comes in.

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Speaker 4: So I think that probably is.

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Speaker 3: The one area that I would say, no, make sure

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Speaker 3: you understand your oncology benefits on your scheme and how

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Speaker 3: it works. And that is the one place that if

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Speaker 3: you have cancer in the family, for example, you may

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Speaker 3: want to make sure you're on a good scheme or

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Speaker 3: it certainly have gat cover.

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Speaker 1: I just want to go back to the point may

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Speaker 1: that you made about a financial advisor. I didn't have

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Speaker 1: one for years because I felt like, first of all,

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Speaker 1: I felt like I didn't have enough money to justify

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Speaker 1: having or earn enough money to justify having on. I

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Speaker 1: really thought it was for you know, those in a

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Speaker 1: much sort of higher tax bracket than I was.

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Speaker 2: I could not have been more wrong.

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Speaker 1: And then it was actually through doing the show that

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Speaker 1: I spoke to somebody and thought, Okay, this seems like

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Speaker 1: a good idea and it has completely changed, you know,

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Speaker 1: and in the last ten years brought to properties and

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Speaker 1: had my children and all sorts of things in a

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Speaker 1: position I wouldn't have been in just with a little

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Speaker 1: bit of not knowledge that I didn't have before. And

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Speaker 1: one of them was around gap cover. One was the round,

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Speaker 1: you know, looking at looking at a medical aid. So

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Speaker 1: and people have sort of said to me, but what

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Speaker 1: was the real benefit? And like, it's just having that

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Speaker 1: person who has that knowledge, who knows the things to

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Speaker 1: look out for, and it can be such small things,

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Speaker 1: but that over time are going to make an enormous

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Speaker 1: difference to you financially. So and I like to kind

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Speaker 1: of suggest to people that if you're going to give

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Speaker 1: a gift, if you're in the position to give somebody

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Speaker 1: a gift, if you can give them the gift of

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Speaker 1: moving towards financial freedom or financial wellness, if it's contributing

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Speaker 1: to you know, maybe a session with a financial advisor,

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Speaker 1: do it. Because it was really one of the best

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Speaker 1: things that I ever did. You mentioned prescribe minimum benefits

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Speaker 1: and Crichton sent in a message saying, watch the PMBs.

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Speaker 1: My wife has been admitted to hospital three times in

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Speaker 1: the last ten years and all we PMBs and are

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Speaker 1: fully covered. However, in all cases, the medical aid didn't

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Speaker 1: automatically see them as PMBs, and it took extra fit

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Speaker 1: from us to get.

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Speaker 2: Our money back. How does that work?

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Speaker 1: Then, MAYA if it's something as a prescribed minimum benefit,

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Speaker 1: isn't that right there in black and white in the

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Speaker 1: in the medical policy.

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Speaker 3: I love that that input because this is something we

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Speaker 3: do see a lot of, is that, and it is frustrating,

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Speaker 3: is that you do have to often fight with your

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Speaker 3: scheme and the schemes are not as quick to pay

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Speaker 3: out as they should be, so you do. And that's

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Speaker 3: exactly why knowing your rights, knowing what your scheme should

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Speaker 3: be covering, is so important. And that that story that

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Speaker 3: I was telling about my mother going to the emergency room,

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Speaker 3: it was because when it's all about the codes that

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Speaker 3: the doctors submit that they're called the ICD ten codes,

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Speaker 3: and it has to that code has to fall under

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Speaker 3: the PMB, it has to be one of the PMB codes.

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Speaker 3: So it's very important that if it is something like that,

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Speaker 3: you go and you say to the doctors what codes

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Speaker 3: did you submit? And you do often have to get

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Speaker 3: sometimes a motivating letter. So it isn't always Yes, in theory,

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Speaker 3: you know it should be automatic, but it's all about

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Speaker 3: the codes, and you generally do have to go and fight.

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Speaker 3: And I think that is a huge bag there that

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Speaker 3: I have with the schemes, and I do tell you something,

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Speaker 3: Sarah Jane, I'm going to be testing this out on

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Speaker 3: my Ai'm going to be putting some medical schemes plans

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Speaker 3: through it to see if you can a should tell

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Speaker 3: me where you.

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Speaker 4: Know where you should should be going back in questioning.

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Speaker 3: So I think that's something I'm going to be testing

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Speaker 3: because I think this is one of my frustrations with

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Speaker 3: the medical schemes.

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Speaker 4: Definitely.

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Speaker 2: Yeah.

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Speaker 1: I want to just take a listen to this voice

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Speaker 1: note from Sue, who has mentioned that gap cover wouldn't

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Speaker 1: pay for her daughter's surgery. Let's take a listen to

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Speaker 1: this voice note from Sue to all about gap cover

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Speaker 1: this morning and weekend breakfast.

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Speaker 5: Good morning. To add to the aspect of nuances about

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Speaker 5: gap cover. As you know, gap cover fulls the gap

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Speaker 5: between what medical Aid pays and your bills, and they

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Speaker 5: only pay if Medical Aid does pay a part and

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Speaker 5: they will pay the other part. But it does not

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Speaker 5: always the case. My daughter had a operation for colon cancer.

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Speaker 5: It was done in an unusual way, which was very

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Speaker 5: much better for her. She didn't get cut open, it

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Speaker 5: was done endoscopically, which means through the rectum. And it

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Speaker 5: was a huge tumor with which got removed, and the

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Speaker 5: eminent gastraentri large Is actually got a sort of endorsement

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Speaker 5: from his peers to do it in this unusual way.

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Speaker 5: And because it was an unusual aspect to this operation,

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Speaker 5: the gap cover actually wouldn't pay that actually wouldn't pay

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Speaker 5: the difference because it didn't fit the conventional mold. It

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Speaker 5: saved her being cut open. It saved her, you know,

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Speaker 5: having all sorts of after effects. It was really well worth,

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Speaker 5: of course having to pay a large amount. But you

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Speaker 5: cannot rely on gap cover filling the gap in all cases. Bye,

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Speaker 5: Thanks sir.

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Speaker 1: Appreciate that we're back with my official French she's joining

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Speaker 1: us this morning. Anything that you want to add on

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Speaker 1: that maya I think, first.

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Speaker 3: Of all, it's a very important point that you made,

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Speaker 3: which is that it only pays the shortfall. So if

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Speaker 3: there's something your scheme does not cover, and I'll use

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Speaker 3: a good example, I had somebody telling me this the

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Speaker 3: other day. Their scheme didn't cover the prothesis. So this

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Speaker 3: is also part of the problem of having just the

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Speaker 3: basic hospital plan, and therefore the gap cover didn't pay

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Speaker 3: for it. So your scheme it has to be something

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Speaker 3: that the plan that you are on covers, but they

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Speaker 3: just make up the difference between what it covers and

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Speaker 3: what the actual price was. So this is the danger

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Speaker 3: of taking, for example, a basic hospital plan because they

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Speaker 3: it may cover less and therefore the gap cover won't

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Speaker 3: actually fill in be able to fill in. So in

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Speaker 3: this particular case, obviously I don't know the case, but

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Speaker 3: it could have been that the scheme.

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Speaker 4: Did not pay for it at all.

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Speaker 3: I remember many many many years ago when my son

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Speaker 3: had his tonsils taken out. They used the Harmonica blade

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Speaker 3: and it was very new in South Africa, and the

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Speaker 3: scheme said, sorry, we we.

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Speaker 4: That is not part of our cover.

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Speaker 3: Sure that so, yes, they'll pay for perhaps the for

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Speaker 3: a portion of the of the surgeon's cost, but they

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Speaker 3: will not cover for the cost of using that Harmonica blade.

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Speaker 3: So I think though that is very important to understand,

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Speaker 3: and when you are speaking to a specialist and they're

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Speaker 3: proposing certain new technologies, it is worth finding out is

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Speaker 3: my medical scheme going to pay this and if not,

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Speaker 3: does my gap cover cover it? So I think that

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Speaker 3: was a very important point to raise.

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Speaker 1: So there are some key things that people ought to check.

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Speaker 1: When you're going through that list of your medical scheme

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Speaker 1: and what's covered, that's going to really be the deciding

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Speaker 1: factor in working out if gap cover is necessary. Oh,

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Speaker 1: somebody asking this is a great question that not again,

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Speaker 1: not everybody knows this. What is the difference between medical

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Speaker 1: aid and medical insurance?

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Speaker 5: Says Go.

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Speaker 4: Very important.

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Speaker 3: So medical insurance is completely different to either gap cover

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Speaker 3: or a medical aid. So medical insurance insures for certain events.

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Speaker 3: So you generally people are taking it out for primary healthcare,

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Speaker 3: so it will cover certain GP visits, it will cover

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Speaker 3: some medications, those sorts of things, and it will cover

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Speaker 3: you for an emergency if you're in a car accident,

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Speaker 3: for example, stability at a private emergency facility. But it

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Speaker 3: doesn't generally cover hospitalization at private hospitals. So it may

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Speaker 3: pay out a little bit of cash for example, if

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Speaker 3: you're hospitalized, but it's more. Medical insurance is more. Actually

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Speaker 3: you're kind of what i'll call your primary benefits, your

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Speaker 3: day to day benefits, and it is it's certainly for

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Speaker 3: people who who find medical you know, they just can't

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Speaker 3: afford medical aids is definitely fitting a space there, but

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Speaker 3: people do need to understand that if they want to

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Speaker 3: go for an elective surgery or something like that, they

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Speaker 3: will be treated in the government hospital. So I think

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Speaker 3: it's important to understand what a medical insurance does. And

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Speaker 3: the other thing is with medical insurance is that it

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Speaker 3: is it's an insurance. They are actually able to risk

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Speaker 3: great and they can say, well, we're not going to

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Speaker 3: cover you, or we're going to charge high premium for conditions.

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Speaker 3: Medical schemes are not allowed to risk great. So if

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Speaker 3: you it doesn't matter if you have diabetes or you

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Speaker 3: have any of these chronic illnesses, you won't pay more

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Speaker 3: than someone else, maybe Sarah Jane to my gap cover.

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Speaker 3: But just to go back to medical schemes, but they

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Speaker 3: are allowed to charge a premium for people who join.

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Speaker 2: Late yes ages thirty thirty five, and.

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Speaker 4: That's very important.

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Speaker 3: They can charge you a late penalty, join a fee,

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Speaker 3: and that will make medical scheme, medical belonging to medical

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Speaker 3: far more.

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Speaker 4: Expensive for you.

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Speaker 1: Yeah, for sure, this has been such an informative and

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Speaker 1: helpful conversation.

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Speaker 3: Maya.

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Speaker 1: I really really appreciate your time on this, Thanks very much. Indeed,

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Speaker 1: before we let you go, and you're mentioning articles that

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Speaker 1: you put remind us of your your websites.

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Speaker 2: People can find themselves there, not just on.

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Speaker 1: Gap cover, but on all the range of topics that

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Speaker 1: you talk about.

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Speaker 2: It's money mentors, is it so money?

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Speaker 4: Money? Maya on Money is my website.

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Speaker 3: And then I also write for News twenty four and

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Speaker 3: in fact it's on News twenty four. I've got a

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Speaker 3: Maya Money column there that I recently wrote about emergency

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Speaker 3: rooms and how to get your medical aid to cover that.

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Speaker 1: Ah okay, yeah, that is a good one. I'll tell

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Speaker 1: you what, because actually that the hospital is closest to

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Speaker 1: my house if I go there for an emergency room visit,

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Speaker 1: as I discovered when my son fell out of his

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Speaker 1: pram last year and smashed his face onto the pavement. Yeah,

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00:20:51,040 --> 00:20:54,960
Speaker 1: winning and the motherhood department there. It was in order

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Speaker 1: for us to be admitted that it was going to

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Speaker 1: cost an extraordinary amount, and luckily it wasn't dire enough,

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Speaker 1: so we sort of hot footed it in the car

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Speaker 1: up to Vincent Pilotti because it was a lot.

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Speaker 2: It was a lot better.

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Speaker 1: But I'm sure actually there is a there would have

445
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Speaker 1: probably been a I probably could have used my gap

446
00:21:10,880 --> 00:21:13,679
Speaker 1: cover on that. Actually, probably if i'd if I'd have

447
00:21:13,720 --> 00:21:15,159
Speaker 1: worked it out in the moment, but I was in

448
00:21:15,200 --> 00:21:19,840
Speaker 1: panic mom mode. But yeah, it's it's definitely these things definitely.

449
00:21:19,560 --> 00:21:21,359
Speaker 3: Need a little thing on We need it on the

450
00:21:21,359 --> 00:21:23,760
Speaker 3: fridge door. Yeah, to do in case the emergency. And

451
00:21:23,760 --> 00:21:25,040
Speaker 3: this is what my gap cover will cover.

452
00:21:25,480 --> 00:21:26,960
Speaker 2: Yeah, exactly, exactly.

453
00:21:27,200 --> 00:21:29,199
Speaker 1: May I enjoy the rest of your weekend and absolute

454
00:21:29,280 --> 00:21:31,280
Speaker 1: treat t ham you with us again, Thank you so much,

455
00:21:32,000 --> 00:21:34,080
Speaker 1: lovely speaking to my official friends. She was one of

456
00:21:34,119 --> 00:21:37,160
Speaker 1: the first financial journalists that I ever spoke to when

457
00:21:37,160 --> 00:21:38,760
Speaker 1: I started on this station. She used to join me

458
00:21:38,840 --> 00:21:41,440
Speaker 1: quite regularly on the late night show all those years ago.

459
00:21:41,840 --> 00:21:43,800
Speaker 2: A wealth of knowledge. What a treat to have her

460
00:21:43,840 --> 00:21:44,159
Speaker 2: back on