Should convert the money into dollars that would give an expat a better understanding.

@corporatebreakoutcouple

3 ай бұрын

You can always use XE converter to convert the RM into USD or any other currency

awesome video and timestamps!! Really informative.

@corporatebreakoutcouple

10 ай бұрын

Thank you so much!!! ❤️

Can't wait to visit Penang Island , one of my favourite holiday destinations ( and my family too)

My wife and I from California will be visiting KL and Penang in September to explore the possibility of extended travel/ semi retirement in Malaysia as Digital Nomad (currently working from home via internet for a US based public company). Hope to meet you both. Thank you

@corporatebreakoutcouple

Жыл бұрын

That's awesome! Pm us when the time comes

@brandonwoo8299

10 ай бұрын

Penang is better place to retires.

@Msmastcove

9 ай бұрын

We are also from California and going to check out Penang & KL in October. Let’s exchange some notes.

@aliali-ce3yf

9 ай бұрын

last day of September today, so how was it?

@MountainGoat67

8 ай бұрын

It was awesome. KL is fantastic and Penang is very inviting. Cant decide which one is better. KL has better public transport while Penang is a quite large city with small town feel. Both have great food selections. Price wise is almost the same. I rented a scooter while in Penang. It’s the better way to get around in Penang conveniently. Since my wife doesn’t ride, KL is preferred. For now.

We always , define our identity , if you define your life a unsuccessful life , you will be unsuccessful .if you define your identity is successful you will be successful.

great video!

@corporatebreakoutcouple

5 ай бұрын

Thanks!

Thank you for sharing... I was discussing with my wife about retirement but both of us just don't know where to start.... from what to do with our daily life during retirement to cost of living. Your video give me rethink instead of drinking coffee and reading newspaper daily in coffee shop. We need to think how to make value into our life... there are much more to learn from your video..

@corporatebreakoutcouple

11 ай бұрын

Thank you, Benson! This is the whole reason we started this channel. We are very much aware that a lot of people do want to retire but they don't know how to retire well, retire without worrying about finances and also what to do with all the spare time.

We are Canadians travelling the world and in KL now. We are so impressed! KL / Malaysia ticks all the boxes for us. We just might end up here😊

@corporatebreakoutcouple

10 ай бұрын

Awesome to hear that! Do stop by Penang for an island experience like no other. And the food is simply the best!

If you don’t mind, please talk a little bit slowly. Thank you!

@corporatebreakoutcouple

3 ай бұрын

Sure

I am a details kind of person. Appreciate the Penang retirement vlog.

@corporatebreakoutcouple

Жыл бұрын

Thanks Gary!! We in turn appreciate YOU for watching!

Wah tahniah ..retire early...I also want..very interesting

@corporatebreakoutcouple

11 ай бұрын

Terima kasih. 😘 With hard work and commitment, memang boleh retire early.

Fantastic video. So useful. Another query - are there places to buy art painting materials (aka sg Art Friend)

@corporatebreakoutcouple

Жыл бұрын

Hi Fong Ling. We are pretty sure there will be shops selling art supplies but we don't know them as we aren't the artsy kind of people. Perhaps you can do a Google search ❤️

Brilliant vlog. I must admit, I am jealous that you are already retired at such a young age.

@corporatebreakoutcouple

11 ай бұрын

You can do it too! Focus your energy on building assets that will give you passive income. Jia you!

I will be in Penang come July for the durian season...Hope to see you both soon!

@corporatebreakoutcouple

Жыл бұрын

Durian!!! Woo hoo!! Yup, pm us via email when the time comes

@fonglingchoong4845

Жыл бұрын

How do I find your email? Thx

@corporatebreakoutcouple

Жыл бұрын

@@fonglingchoong4845 it's corporatebreakout@gmail.com

@BOULDERGEEK

Жыл бұрын

No durian on subway!

@corporatebreakoutcouple

Жыл бұрын

@@BOULDERGEEK no subways in Penang! Haha

Nice video . Have you ever consider Ipoh ? Can make similar video on Ipoh ?

@corporatebreakoutcouple

11 ай бұрын

We just released cost of living in Ipoh a few days ago. Do check it out and we also interviewed an early retired Singaporean couple who are now living in Ipoh. We think you will enjoy both videos ❤️

Excellent video. Thank you. Not sure if it is a Singaporean thing, but the 'one-half' couple figures/formula throws me off. Maybe because I am used to considering a couple (or family) as one unit. Lol. Anyway, lots of good information. Much appreciated.

@corporatebreakoutcouple

11 ай бұрын

Thanks Sean! Much appreciated. We broke down the figures to one half so that it represents the true cost per person.

If you dont mind please dont wave your hands so frequently because they made me dizzy while watching. Thanks

@corporatebreakoutcouple

Ай бұрын

Noted on that. Thanks for letting us know

Enjoy your channel! How's safety in Penang?

@corporatebreakoutcouple

Жыл бұрын

Hi there! Penang's safety has improved leaps and bounds over the years! We dare say that it is one of the safest states in Malaysia. Of course, definitely not at the level of Singapore. However that being said, we feel safe in Penang and we do not take it for granted. We are still very careful with our belongings and so forth.

Congratulations for your videos, you are very professional and explain in detail.I would like to come and live 3-5 months a year in Malaysia and I would like to stay in Penanag because I saw that it is a little cheaper than KL, or do you have any other area you recommend that is as cheap as Penang? Regarding safety, how is it in Penanag? Thank you

@corporatebreakoutcouple

7 ай бұрын

Definitely Penang for the win! You have the sun, the sea, the awesome food and Penang has gotten to be one of the safest states in West Malaysia in recent years.

Great videos. Any chance that you will be making a video on availability of pet veterinarians and pet food. Just overall living with pets in Penang. I hope your puppy is doing well. :)

@corporatebreakoutcouple

8 ай бұрын

There are a lot of vets in Penang. There are also pet centres where u can buy pet related stuff and food. We cook our own dog food for Snuffy. Penang is a pretty pet loving state. In fact, we are heading to a huge pet expo this coming Saturday!

@petermaxx3971

8 ай бұрын

How was the pet expo? Any chance that you guys have a relocation manual in place where we can do further research and go to your network of professionals for further info? I am doing my research of retiring in different places such as Panama, Ecuador, Europe but I just cant find the place that would check all my checkboxes... Maybe Ipoh?@@corporatebreakoutcouple

Is this budget for a couple or a person…what’s the budget for a couple?…thanks you have done an awesome job on providing info on expenses in Penang.

@corporatebreakoutcouple

Жыл бұрын

This budget is for one half of a couple. For a couple, you just x2 the rental and other items.

I prefer to retire in KL due advance public transportation like in Singapore. Besides, fly from KL to other part of the world are abundant and cheap. Hopefully HSR to Singapore reinstate as soon as possible. It will being the of both world together

@corporatebreakoutcouple

11 ай бұрын

Yeah, Malaysia overall is a great country to retire in.

Hi Good morning folks! 1st liked 😂

@corporatebreakoutcouple

Жыл бұрын

Power!! Haha!! Hope you enjoyed the video!

I really like this channel, you're authentic and realistic with your contents and presentations, you inspire other people to live more freely. I also have to say you did NOT retire at 40. You left corporate life! You're still working - you swapped working for business entities with working for yourself flexibly, and investing your capital to live off your business and investment activities. You have not taken early retirement at 40 as you keep telling us!

@corporatebreakoutcouple

Жыл бұрын

Retired to us means retiring from the work that we don't want to do aka work for corporate hence our name Corporate Breakout Couple. We are also very young, so there is no way you will find us shaking legs at home doing nothing. Yes, we live off our passive income from our investments, which is why we can quit the rat race. We are now free to live life on our own terms and we choose to make KZread videos to share our knowledge and hopefully inspire all of you. ❤️

@soundslight7754

Жыл бұрын

@@corporatebreakoutcouple English dictionary definition of 'retirement' (not my own words): retirement noun 1. Withdrawal from one's occupation or position, especially upon reaching a certain age. 2. The age at which one withdraws from work or activity. 3. The act of retiring or the state of being retired. ==== You've made a choice in life, to change gear and direction, to have more say on your life, on how you spend your time and how you exchange it for money. I'm very happy when more people realise they have this option. I'm supportive of your choice, of what you're doing and a fan of this channel, but this isn't retirement. That's my point based on formal dictionary definition of 'retirement'. If you can coin a phrase that captures essence of what you're doing, it'll be a public service. Thank you, god bless, peace and respect ♥

@corporatebreakoutcouple

Жыл бұрын

@@soundslight7754 This is our definition of early retirement (as we've been advocating in our channel) : Early retirement doesn't mean not working at all. It means retiring from work that you don't want to do. In 2023, retirement or early retirement looks very different compared to the 80s, 90s and 2000s. People now have more options, thanks to the digital age that we are in. More and more millennials and Gen Z are refusing to conform to the usual ideas of retirement that they see their parents and grandparents are doing or striving for.

@BimBomPetrovich

Жыл бұрын

I agree that this is quite a misleading term in the way it is used here (calling the early retirement) but anyways it is clear what authors telling us

@soundslight7754

Жыл бұрын

@@BimBomPetrovich donkey = airplane, water = needle, apple = ant, shoes = hat, beer = burger, car = bread - in the same way

Hello can you talking about a us $ f

Latest update on MM2H Malaysia : malaysia.yahoo.com/news/home-ministry-says-putrajaya-made-061426760.html

I hear the traffic is a nightmare, the drivers are worse and the air in KL is polluted.

@corporatebreakoutcouple

2 ай бұрын

Traffic on Penang island is manageable. As an early retiree, we are always out and about during off peak periods. During weekends, we go to places where there's less crowds and go to popular spots on weekdays. That's the best part of being early retired. We can choose the best timing that suits us

www.channelnewsasia.com/asia/malaysia-review-mm2h-visa-tightened-criteria-foreigner-property-tourism-stakeholders-3428481?cid=internal_sharetool_androidphone_20042023_cna The latest update on MM2H for Malaysia. The requirements may be relaxed in the future.

Retirement is not sit motionless at home. Even this channel's owners are not doing nothing though enjoying Retirement. They have Sources of income from their investments and growing this channel can bring in future income and even sponsorships. So, Retirement should be enjoying life and still receiving income with plenty of time to tour around. Many however want to work till they die as they do not see a way out in their limited life.

@soundslight7754

Жыл бұрын

That's not retirement then! I have nothing against it, nothing against the nice couple. I have a 'terminology misuse' issue. It's going off the beaten track and carving a new niche, it's wonderful. I arrived at that point after 2 years of corporate life, then went on to work as a freelance consultant

Thank You Guys, so your saying that basic monthly costs : low budget < $500 , regular budget < $900 USD is very good ! But unless your married to a Malaysian you can't get into the country unless you find employment or have lots of income and cash for the MM2H ripoff !

@corporatebreakoutcouple

Жыл бұрын

Or you can start a business and apply for a digital nomad visa

@wanderingsoul2909

Жыл бұрын

@@corporatebreakoutcouple Ok, maybe you can do a video on that ? Most people hope that they rollback the MM2H requirements later this year in Oct/Nov to a more reasonable level.🤗

@corporatebreakoutcouple

Жыл бұрын

@@wanderingsoul2909 we did cover it in this video. Not in full as we are also not experts in migration

@BOULDERGEEK

Жыл бұрын

@@corporatebreakoutcouple That sounds like work.

As of July 2023, it was announced Malaysia is formally reviewing its MM2H program and will issue the results in 2 months (Sept 2023). As a foreigner wishing to retire in Penang, I hope they relax the financial requirements to make it affordable for those on a fixed income.

@corporatebreakoutcouple

11 ай бұрын

Lots of people are crossing their fingers!

@MrSGhawker1

11 ай бұрын

Great news! Pls share the link to mentioned announcement. Many thanks!

How sad that Malaysia decided to tighten its financial requirements for the MM2H program. Few foreigners can qualify so they will retire, invest and spend their money in other countries. Even if they relax the requirements in the future, who will trust the government to honor the program anymore?

@corporatebreakoutcouple

Жыл бұрын

Yes, it is indeed sad, Linda. We know of people who had to move out of Malaysia because they no longer qualify for the new criterias. To be then told that the new rules do not apply for renewals. However that being said, one can really enjoy a great life in Malaysia, so there's always some element of risk involved each time one decides to relocate, regardless of the type of visa.

personally 100 mio usd today's worth would be enough for me .

Hi John, where is a good place to fishing in Penang?

@corporatebreakoutcouple

8 ай бұрын

Hello Tom! We are not fishing experts, however there are some great spots for you to fish at. What the locals do is they hire the local fishermen to bring them to the fishing spots. Alternatively, you probably could join the fishing community in Penang on social media.

If you are retired and having 40,000 ringgit a month in income-that’s difficult to do in retirement

@corporatebreakoutcouple

4 ай бұрын

They recently revised the MM2H requirements. We did a video on the new requirements as updated as we can at that time. Do check it out!

What else can one do after 2 exciting years retiring there? When we are 43 yrso.... or 58 yrso?

@corporatebreakoutcouple

11 ай бұрын

We love this question! Malaysia is a big country. You can travel extensively to each state and explore each state's unique offerings. You can also travel to other Asian countries as they are easily accessible. Malaysia is a country blessed with lots of culture, nature trails, mountains, excellent food and tons of outdoor activities. If one is the more indoor type, Malaysian malls are very large, air conditioned and plenty of things to see, shop and do in the malls. We've been in Penang for 1 year and we've hardly scratched the surface. There is always something new to explore /eat /visit.

I couldn't understand any of that ringing talk so I didn't know in American dollar what's Any of it was equivalent to American money

@corporatebreakoutcouple

11 ай бұрын

Divide the Ringgit by 4.5 to get it into American dollars

actually there is another way to retire in penang with just 2k income, u need to be a malaysian

so for an average retiree with monthly expenses of 842 usd equating to 10,104usd/annum cash flow...... u need 336,800 usd invested providing you a dividend yield of 3 % per annum...taxes not included

@corporatebreakoutcouple

Жыл бұрын

There are many ways to create passive income. Real Estate rental, royalties, dividends, options, affiliates. We could go on and on.

@ibraheemali9541

Жыл бұрын

@@corporatebreakoutcouple anhan ok thanks

@victorlee8606

9 ай бұрын

@@corporatebreakoutcouple I wish i got a mentor to guild me build this up in 5 years time for my retirement

@corporatebreakoutcouple

9 ай бұрын

@@victorlee8606 stay tuned for some exciting news from us soon!

Penang is known as the Pearl of the Orient, the only habitable paradise or haven on this planet, or the extent to which the universe is fine-tuning its expansion or our network is accelerating to its end. We do not wish for birth and death, the choice is ours when we reach our desire to retire in heaven.

I am a Chinese singaporean. Which states should I retire. Penang or KL ? Please advise. Finance is not an issue.

@corporatebreakoutcouple

10 ай бұрын

Hi Andrew. The answer will depend on what kind of lifestyle you would like to lead. If its the laid back, beach vibes, hipster cafes, hiking trails, beach activities, sailing, the best food in Malaysia, then it's Penang. If you want city life, faster pace, Michelin star restaurants, concerts, plays, huge malls, shopping galore, the latest activities - then it's KL. Feel free to check out our retirement in kl video as well as the retirement in Penang one. They are different than the cost of living videos

@andrewchee3748

10 ай бұрын

@@corporatebreakoutcouple Thank you very much.

What if you have no monthly income but you have USD millions in liquid assets but no monthly income. What could you do? Start a corporation; then pay yourself? That seems like a waste of money as I’d be taxed on that

@corporatebreakoutcouple

4 ай бұрын

You need to show proof of funds that you can sustain yourself whilst in Malaysia. Best that you speak to a licensed MM2H agent

You are a Singaporean, can you drive malaysia's car (Not Rental car)?

@corporatebreakoutcouple

Жыл бұрын

Can! As long as you pay cash for the car, you can own one in Malaysia and pump RON95 (because the car is registered in Malaysia)

How does a person travel with a pet dog if they do not own a car? I couldn't find the answer on Google. Grab and taxi in Malaysia are not pet friendly from what I have been reading. Do you have any solution or ideas? Thanks

@corporatebreakoutcouple

3 ай бұрын

Rent a car. Most Malaysians own their own car, which is why the issue of Grab and taxis not allowing dogs inside has never been a problem

@Youtuber-fr2wh

3 ай бұрын

John, my wife and I will be visiting Penang for a few months later this year and will bring our Papillon pet dog. I see you have a dog too. Are dogs welcomed in public areas like parks, malls etc...... whether in a carrier bag, backpack and on leash? Any suggestions where we can bring our dog for outings?

@corporatebreakoutcouple

3 ай бұрын

@@KZreadr-fr2wh unfortunately dogs are not allowed in public parks. However that being said, Straits Quay is a pet friendly area. You can dine in restaurants there with your dog, at the Al fresco areas. There are also many pet friendly cafes in Penang. A carrier /pram is highly recommended.

How is the malaria infection rate there??

@corporatebreakoutcouple

4 ай бұрын

As of what we know, there are zero reports of malaria in the state of Penang island right now

Hows the short term rental availability there in Penang? Say 3 to 4 months? Is it illegally?

@corporatebreakoutcouple

11 ай бұрын

No problem at all. There are Airbnbs and also short term rentals available

Which is cheaper with better quality of living including air pollution, penang or pattaya?

@corporatebreakoutcouple

9 ай бұрын

2 pretty different countries. Penang is a city island so you have the hills, the beaches, not much air pollution, great food, generally safe place. Pattaya is a city of Thailand's gulf coast and is well known for its parties and cabarets, night life. Another thing to note is that Thailand is general is a lot hotter than Malaysia and the water is hard water, so it does affect hair and skin. We just spent 3 weeks in Thailand and we noticed a huge difference in our skin, hair and complexion. That being said, both countries are lovely, so perhaps you can decide to spend 6 months in Penang and another 6 months in Thailand (pattaya or elsewhere) and then make a decision.

✉️🏷️💐

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Sorry just a suggestion it’s ok to give prices in the local ringet or whatever the currency but would be nice if you can also give it in US dollars and maybe British pounds. I mean. This is a video for foreigners right?

May I ask if u have kids? Because with kids the considerations will be hugely different?

@corporatebreakoutcouple

9 ай бұрын

We don't have kids. However we've interviewed a few people on our channel with kids and they too retired when they were in their 40s, when the kids were still young and in school. Do check the videos out under the Ordinary People Extraordinary Stories series

Man, less than a $1000 a month, is not bad for a single, no vices individual, but i guess the retirement visa financial requirement, is a bummer, hopefully that deposit is not more than $20,000 in savings!!

@corporatebreakoutcouple

9 ай бұрын

We think the Malaysian govt is in the process of reviewing the MM2H visa requirements.

@EvralTatum-Mcfield-ov2mi

9 ай бұрын

Yes, that will be good, instead of asking for a deposit of $20.000 for a retirement visa!!@@corporatebreakoutcouple

Hello, how is health insurance for foreigners?

@corporatebreakoutcouple

3 ай бұрын

Usually foreigners will buy their own insurance from their home country (that's what we do as well) Best to speak to an insurance agent on other coverage

@chuntong6290

3 ай бұрын

@@corporatebreakoutcouple thanks for your information.

are these for two pp

@corporatebreakoutcouple

3 ай бұрын

The costs is broken down for one half of a couple because certain costs are shared. That's how you can obtain the true cost of living in a place.

10:20 if u r a digital nomad working to earn at least 24kusd/annum then its not actually retiring, right?

@corporatebreakoutcouple

Жыл бұрын

Please share with us your idea /definition of retiring. Once you retire, do you intend to just sit at home all day to watch TV? To us, that is a sure way to an early grave.

@ibraheemali9541

Жыл бұрын

@@corporatebreakoutcouple i mean if a person is already a digital nomad and s/he wants to retire fromthat lifestyle........my idea would be maybe do sth else.....volunteer work... or voluntarily running a philanthropic organisation

@corporatebreakoutcouple

Жыл бұрын

@@ibraheemali9541 definitely! We too do charity work in Singapore and Penang. However it does take money to do charity work. We donate our time and money. And the more money we make, the more we can donate and give back. The beauty of creating businesses like digital business is the passive income that it brings in. Having this business then allows one to apply for a digital nomad visa.

@ibraheemali9541

Жыл бұрын

@@corporatebreakoutcouple thanks and i agree......godspeed !! you two are a true inspiration !!

I was born and bred in Penang . I left Penang for UK in 1970 . Im considered a foreigner in Malaysia. I’m an UK passport holder . I have retired from my profession for many years and I’m fit 74yo widower. I’m considering to spend a few months a year in Malaysia but based in Penang . I would like to purchase a high-end condo for this purpose and as an investment. I have some closed relatives in Malaysia . Could you advise what’s the best way forward ? I have watched your earlier videos someway back . I might need to revisit them . Thanks .

@corporatebreakoutcouple

8 ай бұрын

That's great. For foreigners, you can purchase any condo as long as the price is above RM1 million. In order to stay longer in Malaysia, it's best that you apply for the MM2H visa program.

Financial planning is very important when you are young. Otherwise you still need to work after 60.

@corporatebreakoutcouple

8 ай бұрын

Yes, precisely. Super Important

I think I can live well with $2,000 USD a month.

@corporatebreakoutcouple

11 ай бұрын

For one person, yes you certainly can!

@averylong9200

11 ай бұрын

How much cost for a couple per month?

@corporatebreakoutcouple

11 ай бұрын

@@averylong9200 the answer is in the video

M'sia gov is milking on the retirees. No one can earn an income as a retiree with RM 40k/mth. It makes no sense at all. Also if you need RM1.5mln plus RM 1.0 mln deposit, only super rich retirees can find some where else in southern Europe to retire.

@corporatebreakoutcouple

11 ай бұрын

Yes, it is super limiting with the current requirements.

@u2ber888

11 ай бұрын

@@corporatebreakoutcouple I heard many had moved out of west M'sia heading to East M'sia with easier option. The gov is killing the economy.

@Raquel-op6xo

11 ай бұрын

Omg then what's the point of leaving the US?

20:09 all these costs are for one person or a family of two?

@corporatebreakoutcouple

Жыл бұрын

The costs are for one person. The reason why we say one half of a couple is because there are a lot of shared costs /resources like house, cooking costs.

@ibraheemali9541

Жыл бұрын

@@corporatebreakoutcouple anhan ok got it ...thanks alot

My friend, in my opinion your budget conscious n average retiree cost is way out from what is actually needed. Budget conscious you listed Food at RM600 and Rent at RM1200. RM600 can be achieved with no eat outs. Home cooking all the time. Rental RM1200 way too high. Perhaps for RM650, can rent a two rooms flat. And for your average retiree, RM1200 for food is reasonable. This retiree has space for eat outs n perhaps some low end entertainment. But RM2000 for rental is way too high. For around RM1000 can get a decent apartment. By the way I have been staying in Penang for more than 50 years.

@corporatebreakoutcouple

10 ай бұрын

Our budget is actually very realistic and on the ground. It is unrealistic to expect people, especially ones who are early retired in their 40s and 50s to not eat out in cafes or restaurants. We are advocating a lifestyle which is not super lavish or over the top but realistic of a middle income person. Not forgetting people who opt to retire early in Malaysia do have a certain purchasing power, perhaps from passive income from investments or because of their income in a foreign currency which is superior to the Ringgit. One cannot assume that once one is retired, one needs to be frugal until one is no longer in this world.

MALAYSIA GOV DID NOT LET MM2H PEOPLE TO RETURN TO MALAYSIA WHEN PENDAMIC. MOST MM2H PEOPLE LEFT MALAYSIA.

@corporatebreakoutcouple

5 ай бұрын

Yes, that's true

Ridiclous requirements - Thailand, Bali much more sensible

@corporatebreakoutcouple

10 ай бұрын

One can always apply for the digital nomad visa in Malaysia. Only require USD24k per annum income

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With kids, hard to retire at the age of 40 la

@corporatebreakoutcouple

11 ай бұрын

Hard but not impossible. Don't give up

You want a bet 🤣

@corporatebreakoutcouple

3 ай бұрын

Question or statement?

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is there a minimum rental period for an apartment ? - example.. if you arrive on a passport granting a 90 days tourist visa period - can you rent for 3 months ? - or.. must tourist visa holders go to the airbNb market ?

@corporatebreakoutcouple

5 ай бұрын

Great question! There are several short term rental units available in Penang. For example Sunrise @Gurney or 218 Macalister, which are at fantastic locations.

@user-jw9lq5ib6g

5 ай бұрын

@@corporatebreakoutcouple great.. many thanks and appreciate your swift input.. haven't been to Penang for 30 years.. aiyoo.. time flies.. now is the time for another visit

@corporatebreakoutcouple

5 ай бұрын

@@user-jw9lq5ib6g pm us when you do visit! We love meeting new people!

1 half! What the fok is that?

@corporatebreakoutcouple

4 ай бұрын

That's the right way to calculate cost of living. One half of a couple.

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