Why Every Coffee Shop Is Guilt-Tripping You for a 20% Tip | Networth & Chill — Transcript

If you're being served at a restaurant, you need to tip [music] 15 to 25%. That's a non-negotiable. If you have a lap to get a lap dance on, tip. But why is tipping running rampant in industries it has no business in? Fast food, retail, grocery stores, coffee shops, anywhere with a counter. We have absolutely taken this too far. If your therapist ever insinuates that you should tip them, please run very quickly away. Tipping has increased so much that it seems to be careening out of control. Will it reach a tipping point? Support for net worth and chill comes from Google Gemini. Hey [music] besties. So, real talk. Starting college feels like getting thrown into adulthood with no tutorial. Suddenly, you're living on your own, figuring out how to juggle your new classes and responsibilities.

And wait, I have a research paper due next week. Don't get [music] me wrong, you can do this. But having a little help from time to time goes a long way. That's where Google Gemini comes [music] in. You can use Gemini to help you create an individualized weekly schedule so you can stay on top of your new life, submit that paper on time, and still make it to the orientation barbecue. As a student, you can sign up for a full year of Google Gemini Pro plan for free. Visit gemini.google/ [music] students to claim your free student offer today. Terms apply.

[music] Hi besties. Welcome back to another episode of North and Chill with me, your host Vivian 2, aka your HBF and your favorite Wall Street girly. Now, picture this. You wake up for a leisurely weekend, head to the locallyowned coffee shop down the street, and treat yourself to your favorite latte. It's a little pricey, but eight bucks feels worth it on this glorious day of freedom. You finish placing your order with the barista, and then the anxiety starts to seep in.

Hi. Go ahead and just select on the iPad how much you'd like to tip. They slowly swing that digital turn style around to you and you're faced with the worst hurdle between you and your already overpriced beverage. The dreaded tip. Those three little pesky boxes of your percentage options stare balefully at you while the barista does the same thing from behind the counter. How much is that barista making? Are you a terrible person for not wanting to surge the single coffee purchase into double digits? Why is the lowest tip option 20%. You don't want to be that person who has to take the time and be the stickler to, god forbid, type in a custom amount, so you leave the middle 22 box highlighted, sign away your self-worth, and slink into a corner to wait for your name to be called. Was this me yesterday? Maybe. That's none of your business. Was it my friend last week? Definitely. Will it be you tomorrow? Well, let's talk about that.

It certainly feels like tipping in America has gotten so out of hand. More places seem to be asking or even expecting you to tip. And the suggested percentages keep climbing. What looks like a $100 dinner for two can quickly hike its way towards $150 once tax and tip are added on. And I swear my barista did not used to guilt trip me into adding 20% onto my morning coffee. And these days, sometimes I'm even getting asked to tip before services have been rendered. That feels not so great. Are things changing as much as they seem to be when it comes to tipping culture and practices? How did that start? And why is that happening? Is it like this everywhere? Is it ever okay not to tip when the iPad swings your way? It can feel like an uncomfortable topic, but you've come to the right place. These are important questions to be asking and even more important answers to have so that you're not only looking after your own wallet, but also taking care of someone else's means of making a living while doing so. All right, here we go.

Let's dive into that tip jar and see what makes it tick. Urban legend has it that the word tip is an acronym to ensure promptitude. For this now American phenomenon, we have four things to blame. First, Europe, then racism. hotels and railroads. How's that? It actually all started in Europe, which has had tipping practices in a few different forms over the past centuries. Middle-aged Europe, the time of the master surf custom, saw some servants receiving an extra payment for exceptional performance. Early modern England had a practice called the veil, where guests in wellto-do households gave staff a small gratuitity as a thank you when they left. In Europe, tavern goers would place coins into boxes to speed up service. Some servers in France were even working on a token system where they had to buy tokens in exchange for being able to sell drinks which would make up some of the cost and customers would then tip allowing them to make up more than the difference. So we were seeing tipping in various forms

centuries ago. But it wasn't until the mid 1800s that the flip-flop of location happened. Wellto-do American aristocrats visited Europe and found the tipping practice to be sophisticated. So they brought it back to the states at the end of the Civil War. Enter racism. Post Civil War, we didn't just immediately become an equal opportunity society. And frankly, I'd argue we still aren't even there today, but that's another podcast for another day. At the time, the most accessible jobs for newly freed slaves were service and hospitality. These lowerass employees were often paid nothing or close to it and had to rely instead on patrons to tip, which they were not always inclined to do, especially in the south. As these kinds of jobs became popular on trains, especially the luxury rail car service Pullman Company, everyone across the country was exposed to this way of doing business, and it began to stick. Hotels were also going through a transition. Up until this time, they were all inclusive, room and board, and tips were severely frowned upon. They were viewed

as rude if given to hotel owners and as bribes to fork over extra food if given to hotel staff. But in the late 1800s, hotels began to expand, and services were increasingly done by staff instead of mostly by owners. The slow transition to tipping culture began as owners realized it was a great way to pass on part of their payroll responsibilities along to customers. To be fair, America pushed back. Many states passed laws to abolish tipping, which was seen by customers as unfair and requiring double payment. But the practice had caught on too securely, and by 1926, all such laws were repealed. Then began a series of rather unfortunate events. The Fair Labor Standards Act passed in 1938, establishing the federal minimum wage and the 40-hour work week and banning child labor. Yes, good. but it left tipped workers out of the minimum wage language. Then there was Congress's tip credit in 1966, which allowed restaurants to pay workers below minimum wage, originally at a 40 to 60% portion,

and tips would make up the difference. That amount was frozen in 1996 at $2.13 an hour, which it has remained at ever since. Although in fairness, plenty of places do pay above that and tips only need to make up the gap to the federal minimum wage, which stands at $7.25. Not great. But it's not all bad news bears. There's a lot of freedom in being a tipped worker. A lot of these jobs allow flexibility for other pursuits, such as school or alternate careers.

Hello, Hollywood actors. There's also agency with shifts. Pick up a Saturday night at a bar and you'll likely walk away with two to five times minimum wage or work a slow Tuesday and make friends with regulars. There's definitely opportunity to be a pretty high earnner, but it doesn't mean it's easy and we as patrons should know what very important financial gaps we're filling with our tips. So, who actually needs to be tipped and how do you tell? Anyone covered by the tip credit needs to be tipped. That's a non-negotiable. If you're being served at a restaurant, you need to tip 15 to 25% or stay home and make your own food. Is this a perfect system? No. But until it changes, you are literally costing your server their own money for waiting on you. Another general rule to go by is if you're sitting down, you should be tipping.

This includes restaurants, bars, salons of any kind, taxis, and ride shares, spas, etc. And yes, this also includes strip clubs. If you have a lap to get a lap dance on, it means you're sitting. Tip: These kinds of industries cost the worker to participate in them. Hair stylists and nail techs have to pay for the chair they're renting from the establishment, as do tattoo artists. So, please tip your tattoo artist or never go back and get another tattoo from them because you might not like what's inked onto your body forever once they find out you're a bad/no tipper. Uber and lift drivers are putting miles on their own car or else paying to rent one and have to fill their gas tank out of their own pockets. Food delivery apps like Door Dash and GrubHub are the same.

Strippers, servers, bartenders, and the like all have to tip out at the end of the night. This means they're sharing their earned tips with the host, busers, dishwashers, security, etc. For all of these folks who are in some way being charged to serve you, tip them between 15 to 25% with the understanding that 15 is the bare minimum and should be reserved for service that isn't great. 20% is the standard and you should rarely go below it and 25% is for exceptionally great service. It would also be kind to bear in mind the kind of establishment when you're choosing your tip amount. Mom and pop restaurants are much less likely to be able to offer health insurance and benefits to their employees and have much less support to fall back on if they don't make their numbers for the month. As opposed to big chains that have a corporate level and a fancy HR team, consider bumping up your tip a little bit more for those smaller beloved local spots. There's another category very worth mentioning where it would be rude not to tip, but you don't have to quite reach that 15 to 25%

range. We tip these people because their job is hard, should probably pay more, and it's a nice thing to do. This includes valet, hotel housekeeping, and bellhops, and really anyone who is carrying things for you or cleaning up literal A couple dollars per service, aka per day, for cleaning or housekeepers or per bag for porters, is the customary tip for anyone in this category. And listen, I know that may seem like a lot of tipping, but I think we're getting fooled into feeling that way because we're seeing more and more tip line items or iPad suggestions in our faces that don't actually merit tips. And we're doing it in the wrong times and places. Places that you do not have to tip no matter how much pressure tries to break you. Anywhere with a counter, fast food, retail, grocery stores, coffee shops, none of those require tips. If you're feeling generous or they made you an amazing extra triple shot macchiato, fancy fancy something something drink, sure, throw in an extra buck or two, but nothing is required here as they are providing a product and

not a service. These counter workers are being paid at least the minimum wage, if not more. Thus, you are not required to help make up for the fact that they're making subminimum wage. A few others that I shouldn't even have to say, but these days are worth mentioning who does not need to be tipped. trades people and service contractors like plumbers and electricians, delivery carriers like Amazon drivers or the USPS carrier, and salaried professionals like lawyers, doctors, and therapists. If your therapist ever insinuates that you should tip them, please run very quickly away. Nothing and nobody is discouraging you from writing a thank you letter to the doctor who finally correctly diagnosed you, offering your delivery carrier a water bottle on a hot day or a warm pastry around the holidays or just generally being a decent person to the working professionals who keep our society running. But a monetary tip is not and should not be expected. It would be better for you to tip in some of those other instances we mentioned earlier and skip out on these counter

experiences. Now, the tough part. How to refuse tipping when it's not necessary, even when you feel pressured to do so. Hey, I'm not a psychologist, and you have to do what feels right and safe in any given situation. But my advice, be polite and firm. Make your choices on the tablet or receipt that align with your values and finances. But be pleasant and kind while doing so. If anyone gives you a hard time and you don't feel like you're out of line, maybe that's not the place to take your business next time. If you're feeling particularly stressed about a situation in the moment, leave a dollar. There you press the tip button and that's a very reasonable amount for any counter order.

Do keep in mind that in today's America, there are places that you absolutely have to tip. And yes, you are the a-hole if you're trying to fix the country's tipping problem by refusing to do so. It is not your server, your bartender, or your hair stylist's job to change that legislation independently. Now, we know best practices, but why is tipping running rampant in industries it has no business in? And why are we seeing percentage options of 30, 40, 50%. No big surprises here. Technology, inflation, and the pandemic. The last time tipped workers saw a federal minimum wage increase was 1991. I wasn't even born yet. In that same period, inflation has increased 145%. Which means to buy something that cost a dollar in 1991, you'd need $245 today. Restaurants and service industry businesses aren't magically making that much more, so they need to rely on the generosity of their customers to help make up for that gap. Throw in a global pandemic when many of these industries were wildly underperforming, and you've

got a recipe for tip central. And hey, I know I was tipping extra at my local favorites to help keep them afloat during those nightmare years. So, the need was in some ways being met. But now that business is back to relatively normal, plenty of customers are feeling that 145% too. We're not as excited to be overspending at every spot we stop for a meal. The ask has stayed high and the need isn't entirely gone, but we're tired of being the ones to bridge that financial gap. Technology is also a really big player in this game, and its timing lining up so well with the pandemic helps make it feel like everything happened at once. Phones and tablets can now receive credit card payments directly without even the need for a plug-in or Bluetooth card reader.

This means that anywhere you make a transaction can easily ask you a couple questions. And now our over-the-counter prepackaged sandwich purchase requires not just a tip option, but also a rating. We have absolutely taken this too far. But it's hard to blame businesses that are desperate for small wins wherever they can find them since at this point they're operating on incredibly thin margins. The solution? I don't see broadscale change happening immediately. But for your personal finances and mental health, practice what we talked about. Tip and tip generously when required, but only tip when the occasion actually calls for it.

As we learned, tipping came about in this country in part from post civil war racism. Sad to say, there is still a lot of bias in this practice today. A one fair wage study shows that 50% of women, the number is higher for women of color, report that their tips don't actually make up the difference to get them to minimum wage. It's shown that customers base tips so much more on appearance than service. White servers consistently outperform non-white workers and tip income for the same level of service. Harassment and unsafe working conditions are also born out of this reality. Women were being asked to remove their masks and show their faces while working during the pandemic in order to receive higher tips. Power dynamics between customers and servers and servers and their bosses can turn dangerous in these scenarios as servers are stuck between pleasing the people who can decide to pay them more and their own personal safety. What can you take away from this? Be a pleasant customer no matter what your service experience is. And judge your server on their ability to provide you great service, not whether

or not you date them. And big pivot here, there's another whole category that I would be remiss if I didn't address. For all you love birds out there who are planning your wedding or an anniversary bash or a baby shower or a birthday party, you may be wondering particularly about largecale event tips. For most of us, planning big events is not as second nature as plopping 20% down for dinner for two. With event planning, we're often talking numbers in high hundreds, if not thousands. Venue, photographer, food, DJ. All of those are likely going to run you into quad digits, if not more. And now you have to tip 20% on top of that. In some cases, that may mean your DJ budget is now the tip for the bartender. Luckily, no one is expecting you to shell out huge percentages for every category. And really, the event you're throwing still has the same classifications we've already talked about. Although, the very first thing you should do is check your contracts. Many vendors, especially food, will already have a stipulated service fee. You can throw in an extra $50 on top of that to show your

appreciation, but if that's already in there, they were kind enough to have done the math for you. Let's run down a quick list. Sit-down catered meal, 20%. Buffet, you can probably get away with more like 15%. bartenders, hair and makeup, transportation, like a limo, just like a regular life. Those all still get 15 to 20%. For pretty much everyone else, it's highly encouraged to give something, including a thank you note for helping you on your special day. But these can be more along the lines of token amounts than percentages. Photographer, videographer, florist, fancy cake maker, hired officient should all fall somewhere in the $50 to $200 range for typical weddings, although this can be scaled back for smaller or shorter events. And don't forget your musicians, delivery and setup staff, tailor, venue coordinator, or anyone else who contributed to making your dream day happen. These can certainly be smaller amounts. $50 or under is fine if you choose to do so. And that is an if. Now, let's talk about tipping migration. Even though tipping started in Europe, America got a hold of the practice and superersiz meet it. 150 years ago,

tipping came to the US. And as it grew in popularity, the exact opposite was happening in Europe. Service charges were added to bills starting in the 1920s and the postworld war II era found that social safety nets, a minimum wage, and labor unions had made tipping a thing of the past. In fact, in many parts of the world, it's considered rude to tip, which can be confusing and daunting to traveling Americans and of course also causes discomfort for tourists coming to the States. If you've got travel coming up, here are a few things to keep in mind in terms of tipping in other countries. First and foremost, America's neighbors are impressively similar to us when it comes to tipping. You can use American guidelines when traveling to Canada and pretty much Mexico, too. Although, their percentage expectations could trend a couple points lower than ours. Most of the time, we use credit cards and don't have to think too much about this. But, if you're ever tipping in cash, please try your best to tip in the local currency. Do the exchange before you leave. Bring the local currency and tip with it. For countries that see a lot of

American tourists or have a lot of back and forth with the US, tipping in dollars is still better than nothing. But for countries that are more separated from US culture, tipping in dollars can be seen as an inconvenience to the service provider. How annoyed would you be if you were working at Applebee's and got tipped in Philippine pesos? If you're headed to Europe, make sure you bring change in euros. Tipping at most establishments is unnecessary. Check for that service charge to see if it's already covered and round up your dinner bill if not. That's plenty. The best thing to do is hand cash directly to your waiter or the person helping you since often there is no place to add a tip on a credit card purchase. The UK and Australia are similar. A small percentage is a nice gesture, but don't tip at the bar. If you really like your bartender, tell them have one for yourself when paying and they'll get tipped the price of a small drink on your bill. The moral of the story is no one tips quite like the United States and Canada, although Mexico, Colombia, and the Middle East are the next closest, and they're always changing.

Look up the customs for where you're going in advance so you don't offend anyone and make sure you are always paying tip or not in the local currency. A lot of this episode has focused on the experience of tippers, but what about those who are working in the service industry? Let's take a moment to talk about budgeting on an unpredictable income. I know it can be a brain bending exercise to parse out reliable numbers when you make different amounts every month, but there are plenty of tools for this. And take comfort that you are very much not alone. I mean, businesses never make the same amount monthtomonth. So, if it helps, think of yourself as a business. Whether you officially are one in the eyes of the IRS or not, your finances need to operate like you are.

Identify your expenses. These shouldn't be changing much month-to-month. So, you know what needs covering. That's things like rent or mortgage, utilities, debt payments, etc. Then look at your average monthly income. Not that month full of busy holidays where you made bank, but not the one where you had to take off an unpaid sick week, but just a typical run-of-the-mill month. Does that cover your monthly expenses? What's left? The two most important steps after you take care of your bills are to set aside money for taxes for any 1099 income and to start building your emergency fund.

Having 3 to 6 months of living expenses set aside will make a world of difference in your freedom of choice and feeling of security and your mindset. Don't let a slower month get you down and don't let an extra successful month make you cocky. Stick to your budget. Remember that any debt you have does not define you and keep yourself aligned with your money values. I also want to mention a very interesting thing recently happened that affects many tipped workers. One of the numerous parts of the one big beautiful bill act was a no tax on tips policy for tax years 2025 to 2028. This means that up to $25,000 of voluntary tips can be deducted from your income for tax purposes and can be claimed whether you itemize your deductions or take the standard deduction. This policy applies to over 70 jobs anywhere tipping is customary like the food and beverage service, hospitality, personal services, but not performing arts or anywhere that tips aren't the norm. There are definitely some legal caveats worth noting. Married people must file

jointly. The deduction phases out if you make $150,000 as an individual or $300,000 jointly. And this is just for your federal filing. You'll still have to pay state and local taxes like normal. Most importantly, this only applies to voluntary tips, which means any income made from service charges or mandatory gratuitities do not qualify. And this one is probably obvious. The deduction only works if you actually declare the tips on your taxes. I realize in reality not everybody does that and we are not going down that particular path today. But you will have to tell the government you receive the tip money in order to claim the deduction. On the surface, this development could seem like a wonderful reprieve for tipped workers. But there's a lot hiding underneath that charming title that could negate its helpfulness.

For one thing, it gives an arguably unfair advantage to tipped workers just because of how they make their money. folks in other industries who make the same amount but in W2 wages would not receive that same perk. There's even speculation that employers could cut workers pay, resulting in the take-home amount not changing at all, even with the new tax reprieve. And now that customers know about this policy, will it mean they're less likely to tip? There were many other parts of the bill that weren't so kind to, well, anyone who isn't rich. So, this may feel more like a band-aid on a broken leg than the big break it wants to be. Where is all this going? Well, tipping has increased so much that it seems to be careening out of control. Will it reach a tipping point? But um I don't see gratuitities disappearing anytime soon. It's so ingrained in our system that many establishments would go out of business if the practice were abruptly abolished.

But customers are frustrated, done with their generosity from the pandemic era. Takeout orders, in particular, have seen a huge decline in tips. We're all trying to find our balance in these post-pandemic AI times, including when it comes to how much to give. It feels to me like policy changes are in order, and we are already seeing some of that in the works, both within individual businesses and at a governmental level. Plenty of service establishments are moving towards standardized preset gratuitity and service charges, often stating explicitly on the bill that the extra percentage goes towards their employees wages or benefits package. The state of New York in particular is actually working to ban the subminimum wage and DC intends to ban it by 2027.

We are not going to see societal change overnight, but I do think that shifts are starting and over the next few decades we may see an avalanche of change. Support for net worth and chill comes from Google Gemini. Hey besties. [music] So, real talk, starting college feels like getting thrown into adulthood with no tutorial. [music] Suddenly, you're living on your own, figuring out how to juggle your new classes and responsibilities. And wait, I have a research paper due next week. Don't get me wrong, you can do this, but having a little help from time [music] to time goes a long way. That's where Google Gemini comes in. You can use Gemini to help you create an individualized weekly schedule so you can stay on top of your new life, [music] submit that paper on time, and still make it to the orientation barbecue. As a student, you can sign up for a full year of Google Gemini Pro plan for free. Visit gemini.google/ students to claim your free student offer today. [music] Terms apply. Now, let's move on to some hot button Q&A.

Okay, so question number one. Why can't tips be treated like fees on Airbnb or Ticketmaster? Just wrap it into the overall price. I think you answered your question right there. You ever seen a ticket master ticket? The ticket might show up as $200, but by the time you check out, it's $400. How would you like to be surprised like that? I think that often times the tip isn't wrapped into the overall price because business owners don't necessarily want to raise prices aggressively to then cover the higher amount that they have to pay their workers because optically it makes people feel less inclined to actually patron the business. Another thing is some restaurants do wrap the overall fees into the price and I think that's a great great strategy. However, there have been some really, really fancy, expensive restaurants who've tried this.

And ultimately, they were never able to pay their workers as much as the generosity of some of those deeper pocketed patrons going out for a special anniversary dinner or celebrating a birthday who just felt naturally more inclined to tip at that level or that echelon of excellent service. So, in some cases, wrapping it into the entire price makes it harder for businesses to operate. But sometimes it actually means that the service workers that you're working with end up going home with less. For me though, if whenever possible, I would much rather it be looped into the price and I be told the full price upfront. Question number two, what do I do if a service industry person was genuinely awful to me? Do I still have to tip? Short answer, no. Um, tipping is optional. That said, I have only left a Z tip probably I think once in my entire life. And I can actually tell you the exact like experience it

was. I was at this one restaurant and not only was this waiter super dismissive, was unkind, did not check on us, I saw him eat off of our plate as he was bringing the plate out to us through a little window. And I don't think he realized that I could see him. He was very combative when I confronted him about, you know, getting the order wrong and forgetting to get us the drinks we had ordered. And there were just so many problems with that meal. I am very much someone who if I have terrible service, but they are apologetic, they're sorry, maybe it's their first day, I'll still tip 20%, just because I recognize that these people are working incredibly hard and frankly like it's a little bit to me, but could mean the world to them. In this situation where this waiter was actually incredibly rude and combative with me, I left him zero dollars and I will never go back to that restaurant again. Good next question. As a server,

do you have guidance for when customers ask how much I should be tipped? That's always so awkward. Yes, it is very, very awkward to tell people how much you expect to be paid. I think something that's really helpful is just giving industry standard or a range. So, say you are a server and maybe you have tourists from another country that aren't familiar with the tipping culture in America and they ask you how much should they be tipping you. You can go ahead and just say, "Thank you so much for asking." Typically, tips in the restaurant service industry range from 15 to 25% depending on how you felt my service was today. Let me know if there's anything that I can do to, you know, improve your meal. And then that gives one them an opportunity to tell you if there's anything that they need, but two, it goes above and beyond and the hope is that they'll probably tip you closer to 20 25%. Next question.

Someone outside the tipping industry just did a phenomenal job for me. How should I show my appreciation if they don't accept tips? That is a great question. Something I love to do is just a little gift. So, if you have someone that is, you know, doing an incredible job for you, maybe it's just a bottle of wine. Maybe it's just a little thing of tea, like a um like a tea set. So, a couple different types of different tea. Or maybe it is a beautiful mug and a bag of coffee beans if you know they're a big coffee drinker. A small gift that isn't, you know, grotesqually expensive, but can be seen as like very much a thank you so much for all that you've done for me, I think is super appreciated and goes a long way. And last, but not least, do you accept tips?

Aka asking me. I do not. Um I feel very fortunate. My business makes really great money. I'm able to pay all of my full-time employees, provide them health care and 401k benefits. I am the owner of the company and I'm doing really well for myself. I do not make subminimum wage and there has never been an expectation that you should ever tip me. But if you do want to support me, it would be really nice if you gave this podcast a nice review and a five-st star rating if you're enjoying it and you are having a good time listening. Okay, to wrap us all up. If you only take one thing away from this episode, please let it be this. Our society is such that some service industry workers will literally be paying out of their own pocket to serve you unless you tip appropriately. So, if you're going to request a service, you need to be aware of and ready to pay the full cost.

However, you're definitely being asked for gratuitity in places where it's not necessary, and it is very much okay to skip the tip then. It's a nuance situation for sure. I hope you now feel better equipped to navigate these everchanging waters and appreciate the servers you encounter. And to our service industry heroes, thank you so much. I am very much here for you, too. So, if there's any other follow-up questions that you might have, please don't hesitate to ask, leave your questions in the comments. And don't forget to rate and review the podcast, as it'll help more listeners find us. I love you guys so much, and I'll catch you next week. Bye. Thanks for tuning in to this week's episode of Network and Chill, part of the Vox Media Podcast Network. If you like the episode, make sure to leave a rating and review and subscribe [music] so you never miss an episode. Got a burning financial question that you want covered in a future episode? Write to us via podcast atyourichb.com.

Follow net worth and chillpod on Instagram to stay uptodate on all podcast related news. [music] And you can follow me at yourrichb for even more financial knowhow. See you next week. Bye.