He's worth INR 50 crore. But still lives on Rent | The Tenant |

[@peaceharmony6529]

The most adorable part of this particular episode is he wants to buy flats for three of his brothers and he is so concerned about family which are now a days so hard to see

[@anuiyer-h8r]

Otherwise he won't get family wealth Marwari wealth is a dispute always

[@SD_003]

That 50cr worth is not his individual wealth. 3 brothers are equal owners, so anyway he can’t buy alone

[@anuiyer-h8r]

@@SD_003 that's why he wants house for his brothers Marwari mind is cunning

[@anuiyer-h8r]

@@SD_003 gajendra kotjari misleads public

[@SD_003]

@anuiyer-h8rwell he is a finfluencer . He has been all over the podcasts lately. Appearing on this show as well is part of same plan. Marketing

[@mansi.rastogi]

This person has by far the sweetest & most childlike energy and the most practical approach to finance I have seen.

[@vandanakarnik8296]

Very very Intelligent and sensible Tenant. First one on your channel. I would rather live in Churchgate, on rent without amenities.

[@lazerbud]

This is 50cr mindset, while 5 crore, 50 lakh people are thinking flashy spending on brands etc. this guy is example of put your head down, focus on simple things and make great investment developments.

[@abhinandanrocks]

haan 3 lakh ka rent de raha hai. bahut simple hai

[@tigertiger1676]

Durr laanat hai aisey 50 crore par

[@mein3324]

​@@abhinandanrocks Jitna woh kama raha hai uus hisab se simple hi hai. Aur woh bola 15% usko mil raha hai per year on 50 crore. If that's true then he will have 100crore in next 5 years. Bohot saare log hai jinka net worth 5 crore bhi nahi hai aur woh crore ki gaadi kharid lete hai, lakh Rs ke kapde pehnte hai and show off karte hai.

[@cryptominer1630]

It's about security. He is financially secured that's why his equation with money is working. 😂 But in reality khud ka ghar 50cr se bhi jyada sukun deta hqi

[@timbaktuu9845]

Logo ko kon samjhaye​@@cryptominer1630

[@ashtrayy6969]

Loved his energy. Big dreams and value of time. Came for the apartment but stayed for his wise words. Dream on !!

[@ankitbalar3037]

His house owner is a lucky man Getting 3 lakh a month that too without car park,amenities etc

[@5tyyu]

What do u mean? The flat is worth 10 cr !! Obviously he will expect Rs 3 lakh rent ..owmer or his ancestors must've worked hard to buy this house. Luck is secondary to hard work

[@aosaeanor]

That house is most likely on a pagadi system like many old houses of South Mumbai are . That means the so called Owner is also not a owner & he is paying a miniscule amount of may be less than 5 k as rent to the original owner or in Small Causes Court. Usually in such cases original owner is long dead & the renter from his days is protected by the Rent laws that existed upto 1970s . That renter cannot be told to vacate the flat. And as there is no stringent rule on sub letting such houses these renters make a lot of money by renting out the place for hefty amounts

[@aosaeanor]

​@@5tyyu That 10- 15 cr being said is most likely the white component. The black part is where the real value of the house comes in. That house is easily over 20 cr.

[@Rk12-w8n]

3lakhs monthly 6 family can live decent life

[@girishsavant2302]

@@aosaeanor Only fools would pay 20 crs for a downbeat apartment just bcz its in Churchgate.

[@pareshgarude]

This tenant is a legend. Very difficult to find such people in this superficial world. He knows his priorities. And believes in YOLO!

[@AK-xi1ng]

As an Indian in third class flats, with worst views, a millionaire is happy and satisfied, this is the 8th wonder of the world. I salute this great person as he accepted the truth about India and Life. I never imagine myself living in such a place at such ridiculous rates, better I will retire early at this wealth and live in tier2 city a king size life. I worked in churchgate and travelled from Andheri, My mindset was always against Govt, system, policies which exploited Mumbaikars, the best thing I did was moving out of Mumbai. Good Luck!

[@SD_003]

You said it mate. He said so much about the balcony being the star, i was hoping sea-view wagera hoga but man WTF was that. 😂

[@familyforonehumanity5630]

Brother you did the best thing. He's a great guy but he's gotten stuck in Mumbai rat race. Just exit the race

[@AK-xi1ng]

@@familyforonehumanity5630 Agree, and I see he has a vision to rent another high cost sea facing flat, such a mad rat race! This is what Mumbai is, where such lovely people live and consider it their luck and fate. Other hand, Politicians enjoy on our taxes, without worrying for any give back to society, Restructure city, or welfare of common man.

[@mein3324]

I can't defend politicians, system and govt. They do exploit tax payers. I too hate these babus. But it is personal preference where people wants to stay. This guy is very dynamic and wants to make as big as possible while he is still very young. And mumbai is perfect place for such people. Also, If you go to tier 2 city and decide to live king size, then trust me you will be judge by lot of people, they will see your wealth and get jealous, they may also trouble you. So if you decide to move in tier 2 with such net worth, then make sure not to show too much of wealth, you will put your life in danger and your peace will be gone.

[@AK-xi1ng]

@@mein3324 These days I know many folks with such wealth living in Tier 2 cities, good life. There is no point in keeping the struggles throughout your life. Only earning for Govt and paying taxes for govt is not the life.

[@preciousreading1934]

His concern about his brothers needing in buying 3 flats is very HUMAN and person with heart of GOLD, Why such person not grow ever even wealthier, I also wish him to grow further as he deserves for that.

[@brihaspati9999]

Pehle abad karega phir badme niptaega unko 🤡

[@hammadshaikh4278]

South Bombay has a Old world charm, that is incomparable by any suburbs.

[@aosaeanor]

This guy said it -- he gets a no signal road to the Airport . The Mhrstra Govt is totally focused since last few years on developing the infra in South Mumbai to make lives of the wealthy & the top Ministers living there even better . The business people & the rich provide funds to the political parties & are a source of funds for the Govt. . As you go further & further towards North Mumbai thats where the cattle class of people live at least for the Govt. These are people who vote. These areas lack good quality , well planned & aesthetically appealing Infra . Any development is haphazard & super slow. . There is no easy access to long distance Railway Stations & Airport . Main arterial roads are narrow with pot holes & often further choked with traffic coz of Metro & Flyover pillars right in the middle of the road. Worse rarely ever will anybody hear of South Mumbai getting water logged . But suburbs & further North of Mumbai this is a nightmare every rainy season.

[@sameerd8681]

South Bombay❌ South Mumbai ✅

[@sagarp8017]

Smartest tenant he's building something bigger by delaying the house purchase without compromising the quality of life

[@patilprasanna2003]

He wants everyone to sell your house and put money in mutual fund and stocks... And stay in rented house... This is dream of every mutual stock broker and advisor.

[@vipulbakade7764]

Even Mr. Kamath purchased house, after giving lecture on rented house

[@a.b.__iii]

as a investor/trader your own house is actually a liability. u rent out the property u own and with that money about 50% u live on rent elsewhere )) forget what people think if u want to learn to manage money ))))

[@timbaktuu9845]

Yeah yeah keep renting your house​@@a.b.__iii

[@porothashawarma2339]

@@a.b.__iiiyeah but you own nothing , the feeling of ownership is something different and the pride to say look this is mine is something else , you can’t put a price on that

[@a.b.__iii]

@@porothashawarma2339 the first property u known should be an asset (generate income) not take money out of ur pocket! Residential property is a big scam (( only big burden on middle class..trapped in the cycle of loan payments. 1cr residential property will earn max 25/30k rent. Commercial min 50k .theres a big difference! Res property have big vacant periods. Maintenance cost is higher due to furnish and fittings etc Logic over pride

[@vidzhere5027]

A person's worth can never be estimated in money.Every person is a priceless for his parents & family. Hence, his networth is 50 cr.

[@ritikranjan1764]

The decision to rent or own a home is highly personal and depends on your unique circumstances. Don't blindly follow advice; consider your family's needs and your long-term goals. If you're single and have a home in your hometown, renting might be a suitable option. However, if you're a family person living with parents or a spouse and children, prioritizing your family's comfort and stability should be the primary consideration. Because Living on rent, especially with family, can be a constant source of stress. The looming deadline of lease renewals and the pressure to find a new suitable place can be overwhelming. The uncertainty of finding the perfect home, one that meets your family's needs and preferences, can add to the anxiety.

[@aosaeanor]

A middle class person saves their income & for them buying a house is an asset that adds to their savings . For a high net worth individual esp a business owner , a large part of their wealth is best kept fluid & invested further to generate more wealth . Thinking of both groups is different . Also, a high networth individual can easily afford rental in prime location or any location and still may be able to buy a house coz of the high level investments & their business worth . While a Middle class will think abt rent of flat increasing 10% each year & even renting becoming unaffordable as it starts to take away a large part of their income.

[@fortuneltd3591]

​​@@aosaeanorA middle class person can do same thing of investing saved money into SIP instead of EMI. And in our country as rent is much cheaper than relative house cost, rent of a house is much lower than its emi. The difference in the value, when invested becomes crores in some years. And talking about so called ' stability', the biggest difference between poor and wealthy people is the mindset. If you think a risk-free life like 99% people, your life will be like 99% people. It's the 1% mindset which gets you into top 1%

[@fortuneltd3591]

This is the same mindset a poor person puts money into Fixed deposit as it's 'stress free' over mutual fund (while the banks using your FD money for mutual fund themselves😂). The biggest difference between poor and wealthy people is the mindset. If you think a risk-free life like 99% people, your life will be like 99% people. It's the 1% mindset which gets you into top 1%. You ignore this advice thinking it's stupid, but if you can think openly you know it's a fact

[@ritikranjan1764]

@@fortuneltd3591 I doubted how someone could be so dumb after seeing your comment.🤣🤣😂 Bro, we have other things like stocks and business where we can take risks but not house as an investment. If you think that living on rent by losing mental peace of yourself and your family members is good for the long term then you lack some brain cells. A house isn't purely an investment and if you have any brain cells please read my OP First Line.

[@rajshailey92]

I appreciate how clear he is about his values in life. The peacefulness at churchgate is just incomparable as I have stayed for 3 years there. I can totally relate with him at every level. Thanks for the interview ❤

[@AmitKothari-k7u]

I liked this tenant when he says that office and home should be 5 minute walkin distance

[@aosaeanor]

Difficult for many middle class people in Mumbai . Unless office is in Andheri or further towards North Mumbai in the Thane -- Navi Mumbai area

[@we_are-a-CATfam]

Hopefully, newer cities are designed with work and life balance in mind. Work and education hubs being just a few minutes of walking distance away from your residence and these walking pathways dotted with beautiful greenery and small shops for relaxation after working hours with family and friends. What is the point of all these technological advancements if we are not making the human life better? When are we evolving from being a cog in the system (labor) to living the human life wistfully with pride and passion? Much like how it used to happen in the past and still continues, it's a shame that this societal structure just works for those on the top. Anyway, let's hope for a better upheaval in the future!

[@VivekGawande1]

Disagree with the comment at 8:15 people do judge others whether they are owner or renter in Mumbai. Maybe they wont say it to your face, but they do judge

[@whatever3041]

Sorry, but what was so special about that balcony? I didn't find the views appealing and zero privacy. I live in a Tier-2 city in China, my rent is barely 60000 Rs a month and the views from my balcony are spectacular. My Tier-2 city in China has world class hospitals, schools, universities, stunning infrastructure. Mumbai looks like a slum in front Chinese Tier-2 cities.

[@bhushan7490]

Right ▶️

[@singhss2820]

Pata nahi bhai how do these people give so much rent for independent houses. Traffic noise, no privacy, no view what's the use of the balcony

[@aditya6x61]

Ever wondered about this data that Mumbai has more billionaires than Beijing or Shanghai ?? Mumbai has high concentration of rich people in a small area that's why the rent and property prices are such. China is of course better in everything but this small part of Mumbai is the richest.

[@shikamarunara9308]

what job you are doing

[@whatever3041]

@@aditya6x61 Richest with terrible views from the balcony, floods every now and then, terrible narrow roads full of insane traffic.

[@preetideshpande4629]

This man is a perfect combination of prioritising wealth creation and loving one's family. ❤

[@siddharth0401]

12 saal pehele 10k sip, 7 years back networth of 2 cr, in 7 years 2cr to 50 cr, i think he had divested his business in assam into mutual funds I don't agree with his thought process of renting but it's his choice

[@NITISHBHATT008]

he is a MFD, with AUM of 2,500+Cr. plus insurance business. Earning more than 1.5Cr. per month now.

[@ishantdoshi6765]

What simple real gentle man 🎊

[@NeerajBaid007]

Marwadi log paiso ko leke smart hi hote hai largely! What a guy..so much clarity with what he wants from his life.

[@flybyanuj]

This guy saying that he wants to buy a flat for his brothers as well melted my heart. He has taught me that no matter what happens, one must look after their family.

[@DiptiSK5]

By far the best episode on rent versus owning a house

[@nandanasalvi]

Such a rare modest family man. Hopefully, he's prospered along the years. Bless him and his family ❤

[@D.2601]

For me he is real king…alpha…sigma…emperor not the ones with this title on social media… real family man best man his fam members r extremely lucky to have a bro/husband/father/son like him. 👑

[@niteshramwani1599]

Can't understand how much luxury home he want.. You get a new 3 bhk house with 1600 sq ft around 6 to 7 cr in south Bombay... He don't have spend 15 crorebto buy a house

[@mamtalad6512]

Monte south at byculla, n piramal Aranya, has houses worth 3.5 chores to 5 crores around 2000 sq ft

[@niteshramwani1599]

@@mamtalad6512 100 percent correct with all and churchgate is 10 mintues away from byculla.. So can't understand that you need 15 crore for house in sobo

[@_Infocars]

He wants in churgate only

[@livinghope1561]

​@@niteshramwani15996-7 crore is also a big amount rather invest that money abroad than living in India.

[@harryp3804]

He wants walkable , those big projects are far away from everything

[@pratyakshdwivedi3298]

This guy wants to be in every youtube channel ....

[@niteshbhoi3343]

😅

[@k0u0s0h0a0g0r0a0]

When I lived in Bengaluru, the rent for 3 BHK (1500 sq ft) was around 30k (equivalent to 80k today) without parking in a bad location. I never thought a 3 bhk without parking could cost more than that anywhere in India. However, the Mumbai house has several perks, like (1) excellent location, (2) a bit more area, (3) fewer power cut-offs, (4)better connectivity to airport, (5) better buildings nearby. I think the flat is worth every rupee.

[@navinadv]

3L a month for 1800 sq ft without car parking isn’t really a great deal.

[@budhrajarahul3]

Tu nhi smjhga bhai.. Tm suburban soch vle log ho😂

[@ankit_jain]

I was onboard with his ideas until he claimed there’s no judgment in Mumbai. That couldn’t be further from the truth-everyone here is constantly passing some form of judgment.

[@aosaeanor]

Seems you have never lived in Delhi !

[@rohanvarshnei]

You need new friends and acquaintances!

[@lSRN5634]

Vishal give a hug to this man from my side. He is soo sensible thinking of his brothers.now days it's rare to find❤❤❤

[@nikunikhil]

He's very inspirational. We all need to learn from Mr. Gajendra Kothari

[@Sandeep-k7e7w]

There is a component in salary called House rent allowance…saving taxes and nothing else. He will buy house once old tax regime Is abolished.

[@abhiishot2007]

I live in a 3000sft 3bhk in Hyderabad and rent is 60k per month. Dont understand why mumbai has such high rents for 1800sft flat!

[@utsavbhayani7456]

U need to live in sobo for a few days to know that! No other city, not even other parts of Mumbai are comparable to living in SoBo.

[@JattSikh1984]

The view from the balcony of his 3 lakh per month rented apt is neighbours drying underwear, worn down walls and air conditioning outdoor units😂😂

[@reallylordofnothing]

Yes, even I was waiting in bated breadth. I guess he values the "extra room" of the balcony than the balcony view itself

[@AmolWagle-d2y]

May be they also want to stay with their community

[@SD_003]

The way he said balcony is star of the house, I thought he has sea view or something. 😂

[@familyforonehumanity5630]

Haha so true. Mumbai people are delusional

[@user-jm1hp9bl9i]

😂😂😂

[@Wolf29977]

I am so glad that I got an opportunity to meet a guy with this temperament on the very first viewership of mine on this program.

[@PiyushAggarwalConsulting]

What I love about Gajendra is that his life decisions are completely linked to his overall family's happiness and not some wild unknown dream.

[@rahulasthana777]

despite being journalist having covered so many stories, i guess this is the best story i came across! simply inspirational story

[@devenwarang3687]

I think Even if he upgrade to NCPA apartments, he will still not have mental peace. Human in kalyug just wants "Thoda aur" which has no end. Even if a man cannot be happy with 50 crores of worth, that shows how will he get happy if he goes to NCPA. It just has no end! I would rather live in small apartments, with mental peace of mind and good peoples, rather than that infinite materialistic urge

[@aosaeanor]

Mindset, lifestyle & personal n business necessities of the wealthy are entirely different from an average middle class person. What you are saying will be relatable to many in the middle class .

[@prarthanapal24]

When you are young and working you need to stay somewhere at the heart of the city. When you retire you move to a quiet place which is well connected but may not be at the heart of the city Again I agree with him your life is short and you should find a way to enjoy it and not live like pinocchios

[@shermanjackson8519]

I disagree buying a house is not an asset, but giving a house on rent is an asset.

[@Jhshshs-q6v]

You have to calculate opportunity cost

[@landcruiser29]

My father watched this guy and said " ye ladka bohot aage jaaega " 😂 , truly stealth wealth > status flaunting.

[@MrRAC420]

Seems very Humble and Practical, Love this interview, This person has understood what Living and Happiness means.

[@rohietpimpalay3924]

Great episode,and great tenant

[@rakish81]

Down to earth person! he never cares about net worth but think about quality of life and time! Thanks to Money control for these shows, really liked it and opened everyone thoughts about rental and owning!

[@cbhat5]

3:33 should not ofc. He has so many better options even in tier 1 cities (yet smaller than Mumbai) like Bengaluru, Hyderabad, Indore, mysuru

[@66Dakshinian]

Homes make lifestyles so I completely agree with Mr Kothari’s mindset…one of the best videos!!!

[@chavaharish1]

Amazing guy with great energy and common sense.

[@satishbennur7916]

WOW!!!! What philosophy!!!! Fantastic. Office near house, family togetherness, no car This man is going to go places in days to come. Wish he would invite me for a cup of tea so that I could see this dream house.

[@krishnamohan5153]

What a grand guy! Simple and practical and has an answer and vision for everything :)

[@kspradeep8397]

Before vishal even entered the house I had guessed the tenant and it was right 😂

[@losaal_lom-uu6mw]

How? Did you saw this tenant in any other show(like that tenant from Thane who also appeared in Mint's video)

[@kspradeep8397]

@losaal_lom-uu6mw he is in many KZbin shorts 😀

[@Rit799]

​@@losaal_lom-uu6mwaise pagal Kam hote hai samaaj mei

[@kilu4j2in]

I am not sure what this INR 50 crore valuation person portraying as being buying happiness with money is it really happiness he has bought? It's good being happy with family i respect him for it. I see his hard work sacrifice in his speaking language tone. May he future get real happiness further in future...

[@RRBhat511]

Woah! the bedrooms without curtains have very minimal privacy!

[@susanthomas6940]

I can see blinds there that goes up and down.

[@somya0009]

Ye insaan har youtube channel pe aa gya h😂

[@hemrajmendon6234]

He said "my investment is making so much money that even 20 Lakhs Rent doesnt matter"!!!!

[@Rit799]

Such a Basic house. Rent are high coz of Pincode.

[@arnabbhattacharya6579]

Very unique perspective....immensely practical

[@jai6196]

The guy is very family oriented. Very inspiring.

[@ganeshsontakke1954]

This man is very motivated i like it

[@Jyyo]

This guy is on almost every channel, looks like he is building up for something

[@urveshjadhav6795]

Next Adani.. 😜

[@gaurav32257]

Pr

[@digvijaychavan8898]

He is so sorted 🙌 ! More than anything best part is his enjoying his family life and that's it what he always wanted

[@abdullahsharief9273]

Very thoughtful video

[@266sunil]

Such a practical person. Amazing to think like this

[@rrrkk]

This episode is so relatable I mean aspirational.. loved it

[@ap5218]

He has flaunted his wealth so much on different platforms on KZbin. And now in this video, I am little bit scared, Iko koi hidnap Nai le in local

[@rajarora2097]

This guy is making sure he tells his story on every You Tube channel . If you have money , just enjoy a quiet, happy life , why hop from one you tube channel to another.

[@annpinheiro2918]

That means he does not have 50 cr by himself ...it belongs to.his family his net worth is around 15cr...these are joint families so net worth is wromg to say 50cr.

[@beep_69]

nice try 99acre but nobody sensible person will spend 3L per month on rent... or atleast hard working individuals

[@connorapple006]

Loved it. what a content. a gem of a channel

[@camelkarma]

One of the best interviews

[@prathameshrathi3866]

Just one suggestion vishal, pls reduce the volume of background music.

[@satish_21ganiga19]

This man ❤ he just gave most of us a piece of knowledge about Life actually should be !

[@suvrapratimsinha1520]

Very clear in his thoughts about why he is renting

[@shashilugun]

Impressed by his thinking

[@dhirajsatghare2123]

The person with great mentality ❤

[@subhashsharma4901]

So honest and humble person

[@madhusudanv4897]

Amazing thought Process... Solute Shri. Gajendra Kothari Sir....

[@nileshjaiswar3266]

Genuineness All I can hear from this Interview

[@prarthanapal24]

I agree with Kothariji completely

[@priyankadsa3488]

Very sensible and practical man!!!

[@rameshvarjaiswal8201]

Thanks money thanks God thanks Nature thanks universe thanks sip wealth management

[@Mikeakawolf]

I live in 4 bhk in mumbai just 30 kms from in smart city navi mumbai paying just 5 times lesser rent. If i want to go churchgate i cam be there in 35 to 45 mins.

[@0124ME]

Today Vishal was in different mood ,first of all he also find hard to digest that he's net worth 50cr and he's throwing quite of tough questions to tenant unlike to Vishal and that's make this episode bit different. As far as tenant was concern sound sceptical but good luck to him for 100cr worth goal

[@aosaeanor]

He most likely has a house somewhere that will be or has been inherited by him.

[@shobinyad6643]

I wish my parents could understand this mindset about living life/prioritizing good experiences over owning a building.

[@cbhat5]

6:09 applies to anyone in even South Mumbai. Compared to rest of mumbai, ofc it's Emperor

[@arunvishwanathan2808]

Should’ve asked how much money is given in black & white as rent.

[@shrikantsolunke]

I totally admire living in South Mumbai..

[@ashim108]

Wow. His attitude bis mind blowing.

[@rameshvarjaiswal8201]

Thanks money thanks God thanks Nature thanks universe

[@combatshadowz]

Everyone thinks he’s a genius forgetting that one can get a home loan (upto 95% of property value) without i. liquidating their investments ii. availing tax benefit on loan iii. enjoying appreciation in property value He seems to be another finfluencer propagating buy vs rent narrative without getting into the pros & cons of it.

[@rajsaraogi]

Bro is highly attracted towards materialistic things.. bhai abhi market upar hai jis din gir gya us din khud ka ghar yaad aa jayega

[@achaljoshi402]

In Year 2004 / 2014 / 2024 On 1st January, Nifty was at 1800 / 6000 / 21000 and PE ratios were 21 / 18 / 21...means Nifty levels are higher but valuations are stable, not excessive. Ab bhi 'market upar hai' aisa lag raha hai?

[@bhavanathakkar4894]

You are a kid i think

[@rajsaraogi]

@@bhavanathakkar4894 yes once u will see downfall of market at that time u realize what this kid means

[@bhavanathakkar4894]

@@rajsaraogi if you can think of downfall why not him. He is brains he made the agreement for 5 yrs lock in so he has plans

[@dhawaljain3837]

@@rajsaraogiabey 2010 se 2024 tak market gira nai kya kabhi 😊

[@ArpitBatri93]

Everybody’s needs is different. That is why it is called ‘Personal finance’. It depends on person to person. Don’t follow and believe everything you see on social media.

[@Nayan_nath6545]

😂😂 Good to see you while greeting. And has Microphone transmitter fixed in his back. Nice acting 😅

[@shikha2429]

Agree with him....I too follow these things....👌👌

[@vinaybhade7046]

I guess he invested 7.5 crores in a FD at 7% interest, so after tax on the interest he gets 36 lakhs per year, which he uses for the rent. Humble and smart investor.

[@gurvindersinghkalra8161]

Just loved the guy ❤💪🏻

[@baijalpur7435]

He is everywhere on social media. This seems like last stop.

[@26herbs47]

exactly my philosophy. great on him

[@amritamuttoo6397]

Not big dreams but over enthsiastic over ambitious and stressful attitude.