43 – Tornado Cash, BNPL for Gaming & What Rolex Sales and a Bear Market Have in Common

Tracey: [00:00:20] Welcome to the Crypto Curious podcast designed to help you navigate the dynamic world of cryptocurrency. But here for anyone who is interested in crypto at all. Maybe you've already tipped me toe in the water, or maybe you don't know anything about it. And this is a very beginning, but we recommend hitting back to the earlier episodes to get your footing. However, if you think you're ready to dive in headfirst, then let's do it. Today, we'll explain this week's big story, tornado cash. We'll talk about how buy now, pay later is breaking into crypto gaming. We'll touch on what's playing for Celsius and explain how the crypto industry has kept luxury watch makers of the world in business over the last few years. My name is Trace. As always, I'm joined by my pals from the Bamboo App, Blake and Craig. Hey, guys. 

Blake: [00:01:08] Sounds like a whirlwind this week. Looking forward to it.

Tracey: [00:01:11] Lots to discuss. Hi, Craig. 

Craig: [00:01:13] Did you just try to drop a pun with tornado whirlwind? Yeah, I did. 

Tracey: [00:01:19] I missed it. I like it. 

Craig: [00:01:22] But I'm good. Chase. I'm feeling better. Blake is feeling better. We're in a bit of spirits. [00:01:26][4.1]

Tracey: [00:01:27] The voice last week, and we're feeling great. But they are non-elite today and back without they cold. So I'm glad you both well. But before we do crack into the news, we need to give a plug to an awesome event which is happening this October in Sydney called Fin Fest Boys. And this is the brainchild of our pals at Equity Mates and they finally making a finance event so that we can actually get behind. And this one's really exciting, isn't it, Craig? [00:01:54][27.0]

Craig: [00:01:55] That's right. I've been an Equity Mates fan boy since my adolescent years. No, but for a while now. And they actually took us through some of their designs the other day. And it's looking and they've got some of the best investing and business experts coming on the day. Massive speakers as sessions for everyone, cryptos, stock market. No matter your level of confidence, this is all about, you know, educating you. And there's also an afterparty, Chase, which I'm sure you'll love. [00:02:24][29.5]

Tracey: [00:02:25] Yeah, I know. You'll be excited about that one. The event is on Saturday, October 15th. Blake himself will be along, so please come and say hello. We've also got a promo code for the crypto curious listeners, which will leave in the show notes below. So that's Fine Fest 2020 to check it out. One of the biggest stories this week was tornado cash, the US Treasury drop news out of the blue that they'd added tornado cash to this sanctioned list area. [00:02:51][25.8]

Speaker 5: [00:02:51] How important is that decision by the US Treasury Department to sanction tornado cash today? [00:02:55][4.2]

Craig: [00:02:56] It's really important. [00:02:57][0.7]

Tracey: [00:02:57] And it's a really big deal. So let's give you the lowdown on some facts on this story. Craig, who is Tornado Cash? [00:03:03][5.6]

Craig: [00:03:03] They're a Ethereum Dapp and they're referred to as a crypto mixer. So what that means is tornado cash, deploy smart contracts that allows users to deposit ETH or any other ERC 20 token to one address and enable withdrawal from another address. Now, you're probably wondering why someone want to do that. Well, it's pretty renowned for having criminal activity on the on the platform because, you know, just the essence of what it is. You're essentially trying to hide where funds are coming from and what you're doing with these funds. [00:03:35][31.4]

Blake: [00:03:35] I thought it was the case that only about you know, when I say early, it's still a large portion. But as I understand it, only 10% of the volume moving through these platforms is, you know, for nefarious activity. The rest is for people utilising its utility for other purposes. [00:03:51][15.9]

Tracey: [00:03:52] I did read that the figure is a little bit higher, and I did read an article when I was researching yesterday that put it more around the 40%. But even still, you know, it's not everyone, you're right. But why why did they actually turn out the cash on that list. Is is that the reason? [00:04:06][14.1]

Blake: [00:04:07] Yes. So generally people that are trying to obfuscate where the funds have come from to clean or make, you know, turn, turn dirty crypto into clean crypto, it's kind of like a laundry. It's kind of like the the crypto version of money laundering. [00:04:22][15.3]

Craig: [00:04:23] Crypto laundry. [00:04:23][0.4]

Blake: [00:04:24] It's crypto laundry. Some of these mixes are actually called the laundry, which is funny. [00:04:29][4.6]

Craig: [00:04:29] So around half a billion crypto assets were frozen and all addresses associated with tornado cash were put on the S10, which stands for specially designated Nationals list. This is pretty much like a no fly list. And if you're on this list, you know you can't do business with anyone in the US, which is sort of a big deal and it really rocked the crypto market this week. [00:04:52][22.9]

Tracey: [00:04:54] You know. So we need to look at why this matters. And it's because, like you were saying earlier, historically, people that are on this actual list. Terrorists and John cartel and nasty people. But this is the first time that on this list now is a tech company. So anyone who's actually using that is getting in trouble. You know, whether you're using it for legit reasons or not. So there was another weeding that kind of happened with this over the last couple of days where celebrities were getting sent to them a bit more about this story. Someone is trolling celebrities and the U.S. Treasury Department all at the same time. [00:05:28][34.4]

Craig: [00:05:29] So someone who we don't know, obviously, it's on the blockchain. They actually airdropped some aid from Tornado to Jemmy, Fallon, Shaquille O'Neal, Puma, Logan, Paul, a bunch of these, you know, massive crypto accounts, even the Ukrainian crypto donation account. And what that means is they're all going to be subsequently put on this list now, because according to the you know, to the blockchain, they have engaged with tornado cash. But obviously we now know that it's just been an air drop. I think everyone just got 0.1 F or something. Yeah. [00:06:02][33.1]

Blake: [00:06:02] And this is what makes the you know, this ruling so ridiculous is because you can't control who you send your assets into your digital wallet. Now, if you could control who you received funds from, then that would be a different story. But so yeah, obviously they're going to have to unwind this and crawl back, you know, what they've implemented. But it's going to be interesting to see how these situations play out in the future. [00:06:29][27.4]

Tracey: [00:06:30] Yeah, yeah, exactly. And I don't think I agree with the blanket sanction for those reasons. And there's clearly some bad actors out there doing the wrong thing, but not everyone. And Vitalik came out just yesterday and said that he used Senator Cash and he used it for the right reasons and his was for donating to the Ukraine. And the reason was to protect the recipients from, you know, the Russian government if they tried to track down where those donations came from. And funnily enough, tonight, a cash is actually he really high is just for usage after being sanctioned. [00:06:59][28.9]

Blake: [00:06:59] So oh purse is good press. Hey they. [00:07:01][2.2]

Tracey: [00:07:02] Don't possibly. [00:07:03][1.1]

Craig: [00:07:04] Submit. I'd never heard of tornado cash until this week. [00:07:07][2.9]

Tracey: [00:07:08] Really? [00:07:08][0.0]

Craig: [00:07:09] So clearly. Yeah, people are learning about like, oh, I could probably use that for something. [00:07:12][3.4]

Tracey: [00:07:13] All right. Well, let's finish that story of their onto the next one, boys. Popular crypto exchange. Coinbase posted a $1 billion net loss in Q2 going by said its revenue had plummeted 69% in the last quarter as crypto prices fell and trading volume slumped. This is a big headline this week, but I personally don't think it's as bad as it seems because only last week we were reporting about the partnership with BlackRock, which included, you know, a really good outlook for the crypto market and the market being strong. So know what are your thoughts on this one? [00:07:43][30.4]

Blake: [00:07:43] Blank You know, the crypto market is cyclical. There's going to be times where companies are making super profits from, you know, crazy behaviour from investors just aping into buying all sorts of jazz and using all sorts of products. And there's going to be times when it's quieter and is, you know, over the long run Coinbase has done a great job. They've been around since, what, 2013, 2014, almost ten years now. They prepare for this. They have massive cash reserves. They're going long on crypto. They're taking part of their fees in in, in, in digital assets. And these guys, they know what they're doing by now. And I don't think it's anything to be concerned about. [00:08:23][39.9]

Tracey: [00:08:24] Yeah, exactly. [00:08:24][0.4]

Craig: [00:08:25] I think the main reason why everyone sort of made big news is because, as we know, Coinbase is one of the first big exchanges to list publicly. So obviously all of their results are going to be published. And traditional finance are probably like wincing at the fact that, you know, this company can can generate $1,000,000,000 loss so quickly and, you know, with situations out of their control just by the price of Bitcoin and, you know, the crypto market. So I suspect that a lot of crypto exchanges might not want to go public, judging by the Coinbase backlash. [00:08:58][33.1]

Tracey: [00:08:59] Yeah, good point. I want people to have freedom to invest. Celsius is still circulating in the news this week, boys, amid rumours that Ripple is considering buying the bankrupt crypto lender, reports surfacing that Ripple is actively seeking to scuttle the company through M&A deals and has spoken to the Celsius crew. So what's the play here? Ripple are looking to take on CIL Celsius as cash, crypto loans and their bitcoin mining business. They want the lot. [00:09:28][29.5]

Blake: [00:09:28] Do they? Yeah. Well, you know Ripple just, you know, I suspect want to continue perpetuating the narrative. And if they can integrate their token into a highly used retail product, then that's a that's a win for Ripple. I'm not sure if it's a win for for for Celsius and Celsius customers. No, but but it could be a win. You know, if if I know Ripple has massive cash reserves, they could easily bail out. You know, they could potentially bail out Celsius and then, you know, it could be a win win. And at the end of the day, this is a customer acquisition play from Ripple. They're going to look at, you know, getting scooping up a product with millions of users at below market price and yeah, then using that to leverage the sale of their products. So yeah. Would be interesting. Yeah. More to see here. [00:10:22][53.7]

Craig: [00:10:22] I actually think this is a really good play from Ripple because Ripple have been trying to infiltrate the traditional banking sector ever since it started off as a settlement solution. Now, if they were to purchase Celsius, they could almost use it as a test case for, you know, taking on other probably neobanks or banks. Yeah. Ripple coming back. You know, that's a sign. I haven't had Ripple in the news for ages, but pretty much a spokesperson for Ripple pretty much alluded to the fact that they're interested in learning more about Celsius and whether it's even possible to acquire Celsius. And the Celsius token has since rose 23%, which could be off the back of this news. But there is a little bit of a short squeeze happening on Celsius right now where it's like one of the like really one of the best performing assets in the last few weeks because of over the, you know, people are shorting and as you know, short squeezes with GameStop tends to go the other way sometimes. So watch this space. [00:11:21][58.4]

Blake: [00:11:21] And just for our listeners sake, it might be worth just unpacking a little bit about what Ripple is. So Ripple was founded by Ashton Kutcher. I know it was by Jeb, wasn't he a Reddit founder? Yes. Anyway, one of the. Really. Yeah. Saying like. Anyway, just to give everybody a little bit of context here, Ripple is a cryptocurrency has been around for a very long time. You know, used to be have a lot of prominence because the value or the solution that they were the problem that they were trying to solve was to do interbank settlements. Now, internationally, you know, the Western banking system uses the SWIFT network, but Ripple is narrative was all around banks settling on the blockchain, on a private network, on Ripple's private network instead of the SWIFT Network, or providing an alternative between in different regions or between different regions. And they were in the top three highest valued cryptocurrencies for a long time. But the SEC believes that they're a security and, you know, not a decentralised crypto token. So over the last couple of years, they've had a bit of a PR problem as well as of not getting as much uptake from their from their blockchain as possible. So they've got. [00:12:36][74.8]

Tracey: [00:12:36] A very strong fan base, haven't they got really strong, you know. [00:12:40][4.2]

Blake: [00:12:41] Followers, they've got a strong fan base and they got lots of money. [00:12:44][3.4]

Craig: [00:12:45] So you a long term ripple holder trace. [00:12:47][2.4]

Tracey: [00:12:48] Oh, my God. No way. Absolutely not. And that, I think speaks volumes. But going on to the sell token as well, I'd like you to explain that for the users. [00:12:56][8.1]

Blake: [00:12:57] Yes, sir. Everyone knows that Celsius is going bankrupt or has filed for bankruptcy. And as a result, everyone you know, many people think it's an easy play just to bet that the Celsius token is going to zero, will close to so people are making money is the price in Celsius goes down and you know off the back of news like this when it rises when the crypto price rises, the Celsius token, it goes the other way against the short sellers. And this means the short sellers need to close their trades and that involves a process of re buying Celsius tokens to pay back to the lender that they've borrowed Celsius tokens from. So this then further perpetuates the, you know, the rise in the token. So it becomes a counterintuitive situation where this project's not that many people believe it's going to get through or stay solvent. However, you know, it's still getting positive price appreciation in this context. [00:13:53][56.6]

Craig: [00:13:54] So who knew that the greatest inflation hedge of all was this short squeeze on something? [00:13:58][4.0]

Blake: [00:13:59] Okay. [00:13:59][0.0]

Tracey: [00:14:01] Okay. I think that there. Time for an ad break. And when we come back, we'll tell you why there's been a worldwide shortage on Rolex watches. Plus, your favourite short, sharp news bites. [00:14:12][11.2]

Unidentified: [00:14:13] Of the week. [00:14:13][0.2]

Craig: [00:14:20] There is an element where this is in this is still early stage. It's still Start-Up. [00:14:24][3.6]

Tracey: [00:14:25] You're listening to the Crypto Curious podcast where we tell you all the bits of news that we thought were worth knowing. Over the last seven days, a whip three Start-Up Named Hallyday has raised 6 million for a buy. Now pay later Ethereum NFT. These guys aim to change how gamers buy and use digital assets in the virtual world. So I bought it when I read this headline because I'm not really a big fan of Buy Now, Pay Later. What's the big deal behind this one, Craig? [00:14:54][28.6]

Craig: [00:14:54] Well, you can now buy a bought open paid off in 35 years like you would with a mortgage. No, just kidding. Buy now, pay later. Obviously went nuts in the e-commerce sector, so it's only right that someone gives it a crack in crypto. Now, obviously not a financial advice, but you know, you probably shouldn't be. Buy now, pay later. Ethereum Nfts. But don't believe me. I don't really know what I'm talking about. But A16z, which is arguably the biggest crypto, they say they've contributed six mill into the seed round. So clearly they think it's a good idea. Now it will probably be targeted at gaming nfts. So the service will allow users to access to notes before they're paid off. They're going to launch a beta with a blockchain game, so that'll probably be the first cab off the rank. But believe it. [00:15:45][50.5]

Tracey: [00:15:45] Is. I believe it is the first cab off the rank. So it's basically if you're at a game, I mean, I imagine it to be like a like you can buy your guns and your bits and pieces and use them, but then if you default on your payments, then they take them back. That's how I read it. [00:15:58][13.2]

Craig: [00:15:58] Would you let your boys buy now? Pay later a roadblock scan when this comes to Roblox? [00:16:02][3.7]

Tracey: [00:16:03] Well, no, because my boys all have like gangs with guns. So let's ask Blake because he's getting into his. GamesBeat Recently, what are your thoughts on this one? Like Yeah. [00:16:09][6.4]

Blake: [00:16:09] It's pretty dangerous. Like with volatile assets, getting them on credit because as soon as the assets go down, say, 25% and you know, there's very little incentive for people to then continue the payments on these, particularly if they've only put a small deposit down. So I think a lot of people are going to default on these loans more than, you know, regular assets. So, yeah, definitely interested to see how this plays out. [00:16:37][27.9]

Craig: [00:16:38] Has to be something in there of A16z are getting amongst that, though. Yeah. [00:16:41][3.6]

Tracey: [00:16:42] Yeah. [00:16:42][0.0]

Craig: [00:16:43] Well, there you go. There you have it. [00:16:44][1.0]

Tracey: [00:16:44] I'm actually really interested in this one because you're right. The way that the market does move, there's got to be another way that they've put this together that will combat those market moves. But it's interesting. It's really interesting. We'll watch this one play out and see how that goes onto our next story. Aside from Blake admitting that he splashes out on a pair of golden goose shoes last week, I don't see any of us really covered in drip or whatever the young people say these days. I don't know if that's what we say, but we're not exactly sporting $50,000 gold Rolex watches or living like crypto kings and queens, but apparently that's what you do when you reaping the benefits of Shiba Doge bull pumps in the market. But apparently fancy watches, you know is the way you go when you've got your crypto cash. So Craig, can you explain this next story, which I find pretty hilarious? [00:17:36][52.2]

Craig: [00:17:37] So this is a weed response to a crypto bull market. So essentially the crypto pump in the last, say, five or six years have Bitcoin went from under a thousand all the way up to 60,000 has led to an influx of purchases for luxury watches and specific Rolexes. So all throughout this time, crypto holders who have, you know, ridden their gains are, you know, they're not buying a house, they're not buying a car, they're buying Rolexes. [00:18:04][27.5]

Tracey: [00:18:05] And they're probably buying a car. [00:18:06][0.7]

Craig: [00:18:06] Probably buying a car and other things. Just a case in point. So the Rolex was in the whole of 2020 was around 40 to $50000 for a Rolex for this particular iconic Rolex Hulk. It's called Rolex Hulk. Now, since the crypto markets come down, what's happened is everyone has started to sell their watches, which has led to an increase in supply on the secondary luxury watch market. So now these watches are going down from 50 K down to 25 K. And I think there was some research done that that contributing it to crypto people. [00:18:43][36.1]

Tracey: [00:18:43] Because we went out and splashed out to show how cool we were because we made some gains in wearing out. [00:18:48][5.2]

Craig: [00:18:49] Just say, yeah, of course when like with the golden goose example, like we bought that when a theme was at all time high because you know, paper gains feel like real gains. But then when your when the market comes back down, you like, hold on, should probably offload this 50 k go. [00:19:06][17.1]

Tracey: [00:19:06] Go back to get some bargains. [00:19:07][0.8]

Craig: [00:19:08] Exactly. It's a weird one. [00:19:11][2.7]

Blake: [00:19:11] I have I have listed those I have listed since listed the sneakers on Facebook marketplace. [00:19:15][4.3]

Craig: [00:19:18] They go. [00:19:18][0.5]

Tracey: [00:19:20] So. And we were speaking earlier about we know the lipstick recession story. You know, the lipstick recession story, no doubt. And you should explain this one. [00:19:29][9.8]

Craig: [00:19:30] Just another weird response to mark to market. So a leading indicator of of inflation and a recession around the corner is actually an increase in lipstick buying because why was it again traced? Because people now. [00:19:44][13.9]

Tracey: [00:19:45] In a recession. Lipsticks are a luxury item, but they're very small and they're inexpensive. So you still want to feel good about yourself in a recession. So ladies would still buy the lipstick. So Revlon and all these brands in every recession would show a spike in lipstick sales, and it is tried and tested over every recession. It's happening again now because you you stop spending every way, but you still want to feel good. You just pick up a little lipstick and it's. Yes. So the lipstick in the recession story. So. [00:20:14][29.0]

Craig: [00:20:14] So lipstick and watch markets. The indicator for the crypto market. [00:20:19][4.6]

Blake: [00:20:19] I think we'll wrap that up there but only time will tell to see how this plays out. [00:20:23][3.5]

Tracey: [00:20:24] Nice. And on that Segway, we'll go on to our short, sharp bites of news like you're up first today. [00:20:30][6.3]

Blake: [00:20:31] Kozo Home-Grown News. MasterCard is bringing Bitcoin to Australia with a crypto linked card. According to a recent press release, the crypto exchange Evan X was partnering with MasterCard. Collaboration was specifically designed to formulate a new crypto elites card. So interesting to see how that plays out. I know others have tried it. Others have done it like crypto.com I I've never heard of the exchange ever. Nick's have you. [00:20:58][26.5]

Tracey: [00:20:58] Guys not my. [00:20:58][0.7]

Craig: [00:20:59] Companion? The crypto dot com is a big ask. Fortune favours the brave. [00:21:02][3.3]

Speaker 6: [00:21:02] They say history is filled with almost. [00:21:06][3.9]

Craig: [00:21:07] Next story. Trace you know, I have a growth with companies and NFT drops, but there was another one, Coca-Cola, that. [00:21:15][8.0]

Tracey: [00:21:16] Never. [00:21:16][0.0]

Craig: [00:21:16] Had it, never heard of them. Just a small retail soft drink brand. They've done an NFT drop, one of ones on a few different items. I think one was a fridge, one was a jacket. And they've done this to celebrate their one year anniversary in the metaverse, and I believe one of them sold for 217 F price. So clearly there is demand for this, but I feel like it's becoming a bit of a cash grab from these corporates. [00:21:43][26.9]

Tracey: [00:21:44] Like like I said to this morning when you texted me saying that, I think as long as it's bringing people into the market and it's done tastefully and with some good products, and I'm okay with that for now. [00:21:55][11.0]

Craig: [00:21:55] So this leads to the Tiffany Co one. You were I was wrong. [00:21:59][4.1]

Tracey: [00:22:00] Yes, I said yes, I was right. So sticking with Interface, following up on that Tiffany Co collaboration with the Cryptopunks story from last week, that NFT drop made 12.5 mil from the pendant drop and sold out in 22 minutes flat. So yeah, it called it. I knew it would do well. [00:22:17][16.5]

Craig: [00:22:17] So you're one nil up Damien. [00:22:19][2.0]

Tracey: [00:22:20] On one nil up on that one. [00:22:21][1.1]

Craig: [00:22:22] Moving on. So Heartbeat which is a pretty OG exchange actually known for listing early projects before they go to the big guys. They're now the latest exchange to halt withdrawals. So they're saying it's not because of liquidity issues, but because a former manager is being investigated for illegal activities. Now, I don't have you hot bit before, but nothing on there now. But Tracy, I believe you've got some assets on there, right? [00:22:49][27.5]

Tracey: [00:22:50] Yeah. We have heard about this late last night and yes, I've got a little bit of cash stuck on there. Not a huge amount, but I didn't even realise I had been there from a while ago and that. [00:23:00][10.2]

Craig: [00:23:01] So how did they communicate? Like did they actually announce that? [00:23:04][3.0]

Tracey: [00:23:04] No, I actually saw it on Twitter so that I never got an email from them. I never was notified, which is interesting, to be honest. I actually logged in not long ago because of tax purposes, but yeah, I didn't get anything. [00:23:19][14.5]

Craig: [00:23:19] So when you try to withdraw, it just has the button greyed out or something. Yeah. Yeah. Really, that's scary. Yeah. [00:23:26][6.5]

Tracey: [00:23:26] So we'll see how it goes. And like you said, this is purely because something that a former manager has done which I find interesting as well, it's not even someone who's with the company at present time. [00:23:34][8.5]

Craig: [00:23:35] So hoping it gets resolved soon. [00:23:36][1.4]

Tracey: [00:23:37] Yeah. And moving on again. Netflix has a new movie. It's called The Grey Man. You might have seen it pop up on your screen. It stars Ryan Gosling and well, who cares, really? Ryan Gosling is all you need to know. So this this Netflix movie is a very creative scene that fans can interact with in Decentraland. It's called Metaverse Mission. So it's basically a big maze you've got to get out of. So you can start with an avatar. You've got to collect some wear outfits and items along the way, and you can compete with others who you can see and you try and see who finishes the maze fastest. So it's a cool idea by Netflix, but you know, they could have done it with a better movie. I tried to watch this last week and I didn't even get halfway through. Because it was pretty crap, to be honest. And I had to look at this again this morning. There's only probably 4000 people that have even tried to do this. Nice. So a bit of a file from that one at the moment. [00:24:31][53.2]

Craig: [00:24:31] From my own knowledge, this is the first movie that's tried the metaverse, right? Right. [00:24:34][3.5]

Tracey: [00:24:35] Yeah. And to be honest, like I said, I probably could have tried it with a better movie. [00:24:37][2.5]

Craig: [00:24:38] And you calling it a fail. [00:24:38][0.8]

Tracey: [00:24:39] I'm going to fail. 46, 46%. And Rotten Tomatoes for the movie. [00:24:42][3.2]

Craig: [00:24:43] Itself, debunked by Bong. [00:24:45][2.0]

Blake: [00:24:45] All right. And I'll just do a quick round out of what's happened in the market over the last week. So we've seen Ethereum and Bitcoin continue to gain strong momentum, primarily due to the upcoming merge of Ethereum, which is a bit of respite. You know, we had many months of just down, so continuing up but not aggressively, not aggressively increasing, but going up slowly is certainly bringing much more confidence to the market, particularly after the inflation numbers came out yesterday showing that inflation may have peaked. So we may see funds flowing back into the crypto market over the coming months, which is exciting to watch. [00:25:24][38.8]

Tracey: [00:25:25] Yeah, excellent news. That's good to hear for the markets overall. And that's another week of jampacked news for you guys. So thanks for joining us as always. Do you want to send us an email? Please do so here to podcast @Getbamboo.io, join us in the Facebook community page or hit us up on any of the social media. And once again, to look out for tickets to a fin fest, we're going to put our promo code in the links below. Join us again next week on Final.