Monetary dealings in the life of a Muslim #02

Ebrahim Bham

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Channel: Ebrahim Bham

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The legal system is important in achieving perfection in business dealings, and the use of religion to avoid negative consequences is crucial. The safety of Islam is also crucial, and privacy and privacy are important in businesses. It is crucial to avoid disaster and maintain healthy behavior during busy times, and it is crucial to create a "monetary culture" in businesses to avoid negative consequences. The importance of honesty and trustworthiness is emphasized, particularly in the area of business.

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salatu salam ala

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ala alihi wa sahbihi wa seldom at the Sleeman.

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Bismillah Al Rahman

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a Salah

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set up

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respected elders and

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they begin by praising Almighty Allah sending salutations upon our beloved

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has been given to me as Mushara is

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monetary dealings in the life of

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this will come as a surprise because we don't talk about it

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as an essential

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weapon of our deen

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but this to give you an example the youngest

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because they know that sometimes it is very challenging to to recite MTV

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we're here to been

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around for almost one and a half one of

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the wonders verse in the Holy Quran is to do a financial dealings

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and

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people when you give a name to someone

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receiving it see that it is recorded with witnesses.

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How many times we have seen that people don't adhere to this Quranic IRA and what difficulty and challenges come upon them in terms of disputes. So, this is the importance of monetary affairs

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in

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the student

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to Bing

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So,

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I have written a book

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on this and military dealings that is equivalent

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to rectifies. His military

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vaping itself is poor.

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And therefore we find in our

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findings

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a book on fake news.

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It is an amazing book on theology in jurisprudence. Absolutely amazing. There will be none Muslims were

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absolutely astounded by the juristic. Maxim's that have come out of the book of

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the most prominent English translation of it has been done by a non Muslim

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guy over maybe two or three years, while becoming alums.

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It's four volumes.

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Sammy,

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only the first diesel.

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The first

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aspects of

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the visual, select our heads.

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The next three volumes deal with

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our social interaction with people.

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And the third volume, which is the most difficult part we used to be able to find it very difficult was

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only to deal with business.

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Now, if I were to ask people, do you really regard number three metals in our trade and our exports of our business?

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In the importance in the examples I've cited? Very very seldom will people say yes, we will regarded as part of being regarded very much. And in many ways.

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Echoes

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of the IoT which resulted in

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was one of the things that is amazing these

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previous

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months.

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Folks in the witness has been made mentioned to us

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because we are the last

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segment in front of

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her

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The famous philosopher from Pakistan known as Cheyenne International, the poet

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in one of his most beautiful Persian opinions itself has heard the argument for

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either

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we are going to sell them

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to us new guy Mr. Falcon Heavy gear,

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I'll be one your pleasure.

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Much I didn't memorize some of it. So, we need one

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very independent we are very weak

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or not will give us on the Day of

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both

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take us to pass

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our he said very, very easy.

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But if you have to take account of our deeds

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if we have to take account of our deeds,

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can they do it in front of our money? We'll feel embarrassed

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expression to the money.

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So, we have not lived up to his expectation of us and how much he has done for us. So we are not going to serve in front of many

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of the resource limits and sacrifices in front of us.

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So this

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but I heard one

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saying and he narrated

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an Indian

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cinema ask Allah Allah

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time of night, not in front of anyone else, they

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don't show

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the face and the weaknesses of this.

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So now

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best in front of

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myself.

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So one of the things is we know the previous owners, so so the title was known for the elegance in the pride the pride of neutering salatu salam O Allah says sexual perversion homosexuality now in this particular way of slavery salaam

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this honest in dealings

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So

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imagine this perfection and Mr. You are deceiving people you are honest in your dealings with one another in your business dealings. So remember we said sometimes we sometimes do some some sometimes people giving a seminar

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usually does your Salah teaches us

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teaches us that we must leave for Russia that is

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meditation

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next part is irrelevant to the topic

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O'Shea does war teaches us what we must do with our math

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teaches us what we must do

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It's my money I can do

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you see people next door

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money

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is not your money

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look at how many pieces in the

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first page

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from what I have given you spin

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the

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spin

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from the wealth I have given you so whereas this is the importance with regard to the Monetary Affairs Now one important point is Islam being safe in this

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world is one

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that Islam had said we must utilize it correctly and correctly to utilize it correctly and to our lead.

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So

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we did everything in the universe. So you've

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given me some a secret

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so this is I'm not gonna lie

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One day, he saw a person making their two Sahaba as of my interest was made mention of it, Allah save me from this will save me from this

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would

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save me will you do

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to sustain yourself just

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to save you from the world,

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ask Allah Allah to

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prevent you from the negative aspects of the world.

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So, this reverse roles keep this in mind that the world is very, very beneficial and it is very

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nice. If you don't control your

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your desires, we can then control the world

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is the root cause of many evils, the

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news NET News

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will not do so much

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love Dustin spirituality

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This is spiritually dangerous as

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those who

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has made mention of it together, now, let us look at the film things. So the point is that we never we never look at something that we must stay away from.

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But we asked

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our great scholars to say the

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benefit we are going to have in this video

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will come from this material world.

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He said any

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given charity, everything will come from this material.

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Islam which is an all embracing comprehensive religion for humanity

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made haram Malaysian in acquisition of something in which there are so many benefits attached to it. Looking after your family, looking after the extended family looking after the needy, utilizing the web for the sake of many activities, looking after the misogyny, misogyny, so many things are becoming

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haram. And when you say amazing thing. He said even your channel

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is removed from this world. Join me personally.

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Janet is known to be made after you close your eyes.

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After you close your eyes and you get the consequences of your deeds. So in this material world, you made your gender while you're alive while you are in

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the sauna he says himself a denier

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so the first point

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we have to keep this in mind that we don't stay

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with that utilize the word things and utilize the words correctly.

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He was good in this world after

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I sent him

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another one

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he was born in such a way that we end the year after together with a union. In the Quran. Allah Allah has made mention the incident of caring for qualities of people who have love with the beautiful verse in every verse in the Quran is beautiful

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female

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whatever

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whatever Allah has given you

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easy to acquire associate with any female

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so

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for the sake of us,

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we are

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looking for our own benefit

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all the time.

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And he mentioned I think last time he was one incident one person was sitting depressed. He was sitting the person's very depressed.

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So you're very depressed. You see yourself several years back, nowadays is working people will say they learn in India etc.

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So my maternal grandfather has learned

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So, my grandfather passed away recently and his name was in India

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and we distributed a

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couple 100,000 Okay then while the press said you know after that is

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my paternal grandfather's ancestry

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he passed his relatives passed away and then they decided to to save the land and distribute the money and when you

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say when you depress he said this year no one died

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this is how

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we benefit

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great don't forget to share in this way news that should be the first objective

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measure

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by a

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status

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report

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reliable convenience because I will regard myself better

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So, that is

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another

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completely hermits

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in your snack

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themselves let me help you

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let me help you

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to help me

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alone likes to see the effect of the middle of Allah has given me

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so much

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ROTC

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you are not entitled

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it's not because of your

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you

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know, business acumen, my business decision, therefore, I became wealthy.

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Absolute rubbish

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speaks about two people, one was wealthy. And he was he was rebellious to and one he was that he was he had a great amount of imagining.

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So, while we were sitting in a conversation for one

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more respectable and Honorable

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President

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So, we are done with our Bible.

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So this person tells him, listen to this, the person who has

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default genetica will punish international along with the nebula. Why didn't you which we're leaving sort of path which was supposed to be tomorrow

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on Friday becomes a means of protection from you from one Friday to the next Friday. And it means a move from one carrier to another. So let me tell you, why didn't you live the way into your garden?

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Gardens?

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Why didn't you? Why didn't you when you went into your business? Say oh,

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this is not my doing this is what allow wished.

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assume it's not yours. So now have your

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allies

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utilize it to help others as

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well.

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And to not raise corruption in the earth with your wife.

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So I think sometimes you know the

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flames pick up I think this particular frame is an ideal frame for a Muslim business.

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For things that a Muslim business and a Muslim person who's wealthy must aspire towards.

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See for yourself.

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Don't forget Yoshi in this world.

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There is no booty and be good to others there

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is corruption.

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Allah is given dignity to any method of a diversified method of earning wealth.

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It is better for you to go into the forest good income

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sell it in the marketplaces they were begging from people

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pleasing

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in avoiding risk, no matter what the risk is

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a Sahabi whose hands were black with manual labor, the Hadith makes mentioned the days to pick up stones as a means of working. So,

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why is your

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ears when I pick up stones for the sake of risk?

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He says he said workers Habibollah for one who strives to earn a hello risk is the behavior of Allah.

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So, all the different ways and one of the best ways of earning risk is through the means of trade. Why why trade? Well firstly,

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anything else when the accounting system is set in 90% of risk, ALLAH is given in greed in

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fundraising initiatives etc we see the amount that that business people give for charitable

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projects in the Muslim community

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are not comparing the size of professional people that is normally never equivalent to the used to be RG you know,

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maybe people must have heard about him was a very humorous

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person with

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wisdom. So whenever needs to go for fundraising for any particular project, he used to come back and ask us how much did you collect? So as you say, we collected so much and so much has been promised to us. So if you say no

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whatever you got cash that is 100% Whenever people have privacy business person

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knows so one day he said the very amazing thing he said see why business people

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said why he said see when the businessman spins them

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immediately that same day or the next day, I've given 20,000 input on things but the person earns 200,000 grand in salary he spends 20,000 20,000 Then he's gone to the next year as income the next paycheck doesn't come after a month. So that is why it is

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normal to spend

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whatever you spend

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then another is made mention of caring for the sake of three together traveling the path of

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those who go out for trade in return in those will go out in the pasture for meeting

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those business person people get up to mischief

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in

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so

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and then

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and now I've made mention of

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traders

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so another image mentioned that the people used to object now you're either wrestling with one of these

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he needs food when she first walk in us in the marketplace is doing business

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objection analysis that is the

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end Smith as a

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as a carpenter we look at our home

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in the past three is the head. So two to three days a very is a very reason

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man

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for almost three there will be the company of the MDR the Saudi and the Shahada. So the first thing they mentioned the importance of military dealings. The second thing I mentioned he with regard to

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his benefit and how to utilize it.

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The 30 Out of all the different ways of acquiring wealth through three is one of the greats and I think the others are not ideal.

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Now the fourth thing, I was going to mention points for it inshallah to come into our minds. See, Allah has given anyone any responsibility, any privilege, together with it comes a responsibility. So second group we have sort of mixed groups in have an amazing ahead when

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we

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Never allowance display nation

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and ever more want to destroy people. The first sign of the destruction of a nation is the word free people become disobedient and rebellious.

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The full sign of the destruction of

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the

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people

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and they disobey Allah subhanaw taala and they give the commands of Allah subhana wa Tada

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for

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them when Allah subhanaw taala establishes His authority

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destroys the nation because of them. The first signs of the destruction of a nation is when wealthy people become disobedient and rebellious. So natal already gives you anything and NASA expects you to be a responsible reporting interview.

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The opening session on Monday came into the house at a time when normally people don't come out, he was a type of

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came out of this incident very brief. They realize they came out because of hunger. So they went away even sir he was known to be very hospitable. So immediately when they came away, even sorry, three things in front of them three different types of

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water, this fresh tomatoes, Dr. Visser is in between. And then you're a small lamb, he kept it in, you know, he kept the retain his wife to make curry flour to make Brynden

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everything became ready himself himself take a portion of this meat in this roadie in this food to give to Fatima. She hasn't eaten for three days.

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Then himself after he eaten, according to the law, Islam said, we

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were born

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within our room, we

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were Hubzu

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made mention of the five things that worked on the table.

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The three different types of

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meat and routine instead of crying.

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Now how many people will cry after goodbye?

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We'll sit and make jokes after that.

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We'll go.

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So,

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what is trendy nowadays

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there used to be a talk about fundamental jokes from the mother one day he was

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passing water against

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the wall. So please give us

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it's against the law

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is against is against the

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grain

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I will allow one question about

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having a meal. Allah gave you

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the power to deal with a meal What did you do with it?

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So every privilege comes responsibility.

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So what is I think the third thing I mean, the fourth thing, there must be a balance while we go with regard to acquiring the risk and recording must be a balance. And what is the balance? We know this the names of many reads for many times in many of the privilege drummer who does the man's lead in the bar there is this one.

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I think there's a time when people are sleeping

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at that discount

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when they die until you complete the risks that Allah has sustained for him. And Allah has allotted we won't

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allow them

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to finish it before we die because of

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fear Allah will

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be moderate in acquiring

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and rely on Mr.

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McKeon and our loves those rely upon Almighty Allah What a beautiful verse and

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what a beautiful man

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to see youngsters are simple. Take it easy don't do finish your quota.

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Don't finish your quota next

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day is finished. So that's one another

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see

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if your parents if your children and your family will call was magical

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uniform on when you press on the wall in the wall that we accumulate our rooms

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in the businesses you feel the

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fear of businessmen that might go down and the businesses that

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yes

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and the beautiful homes that

00:30:31--> 00:30:32

if it becomes more beloved

00:30:35--> 00:30:36

to us

00:30:40--> 00:30:44

Allah has kept the love of our hearts in

00:30:47--> 00:30:51

our way not in the hallway zoo near the Mercy homeless shower and now has

00:30:53--> 00:30:55

the level of desire

00:30:56--> 00:30:56

and

00:30:59--> 00:31:01

where he says he doesn't love these things

00:31:03--> 00:31:04

there's a word for it

00:31:06--> 00:31:07

so,

00:31:08--> 00:31:09

a nice kid getting us

00:31:13--> 00:31:14

here your businesses you

00:31:15--> 00:31:18

know the point is is not be

00:31:21--> 00:31:25

prepared to get the balance out now we may

00:31:30--> 00:31:31

look at the

00:31:34--> 00:31:36

risk is a religious obligation

00:31:43--> 00:31:51

after your primary religious obligation after was set up after us occurred after you manage after your seeker after Utila with that

00:31:53--> 00:31:58

they make your material diverting from remembering Allah Tala

00:31:59--> 00:32:12

so there's one of the aspects I tie in shall I tell the people 4045 minutes inshallah we'll finish. So, that is the last must not make you must be careful.

00:32:13--> 00:32:18

Voters are so important. Unfortunately, the situation with

00:32:21--> 00:32:21

our families

00:32:23--> 00:32:25

and one of the reasons why we fight

00:32:28--> 00:32:29

in such a way

00:32:34--> 00:32:34

we must keep

00:32:35--> 00:32:36

in such a way that you

00:32:41--> 00:32:41

see

00:32:44--> 00:32:45

because he so much emphasis

00:32:48--> 00:32:51

isn't a same seminar is a beautiful,

00:32:53--> 00:32:54

social new passion.

00:33:02--> 00:33:05

But in terms of financial matters, the

00:33:06--> 00:33:07

clues

00:33:08--> 00:33:15

as it was previous, how many times we don't know inside with our family members and whatnot becomes

00:33:17--> 00:33:18

I'll give you an example.

00:33:20--> 00:33:26

That we must have individual identity in a collective enterprise.

00:33:27--> 00:33:51

Now what actually happens we don't have sometimes. So, father is there he brings all the family members in the business and there is one and everyone everyone reads from there. No one identifies what is their next youngster coming to the business is he only working he is the father only giving a salary easy peasy a shareholder.

00:33:52--> 00:33:58

Then there has to be some capital that the Father has to help him to become a shareholder. We don't identify

00:34:00--> 00:34:03

which is everyone takes away the father according to his movies do people

00:34:04--> 00:34:07

sometimes there ever bother giving people

00:34:09--> 00:34:11

these individual identity

00:34:13--> 00:34:18

enterprise that is disaster waiting to be a disaster waiting to happen

00:34:19--> 00:34:25

if anyone hasn't learned the lesson with regard to this disaster, and see how many families have broken up because

00:34:26--> 00:34:28

it means someone says let us clarify

00:34:30--> 00:34:31

clarify this properly.

00:34:33--> 00:34:44

So this is the must be an individual identity in a collective enterprise. What is your situation in a collective enterprise?

00:34:50--> 00:34:59

Expected because we are assembled. Remember, these things must be written down. It must be agreed upon the oneness.

00:35:00--> 00:35:03

The Quran tells us about writing down our demons.

00:35:06--> 00:35:15

And then another thing that comes up with regard to clarity after the passing of someone passes away, and it used to be so

00:35:17--> 00:35:28

much professional, one island was at a place in squalor person when a person passed away. Immediately the person, the pastor of the community of Lincoln's

00:35:30--> 00:35:45

bring another limited which belongs to a person who is alive. While the moment a person passes away here, other people's rights upon his wealth, it never belongs to the neighborhood, it belongs to the heirs.

00:35:46--> 00:35:55

So he said digitally, the other people's rights, and there are ways to get together as soon as possible. We've got this until we don't, we don't deal with it.

00:35:57--> 00:36:04

Together, we will say to me some some sort of agreement, but this aspect, the use the place,

00:36:06--> 00:36:12

the place in these new end of the estate, what's happening to them.

00:36:14--> 00:36:16

He announced

00:36:17--> 00:36:17

his

00:36:19--> 00:36:19

thesis

00:36:21--> 00:36:21

in

00:36:23--> 00:36:24

Genesis.

00:36:27--> 00:36:30

And when you find the details of reading Salah salute,

00:36:33--> 00:36:41

resource, there is a whole analysis of how to distribute your wealth after you pass away. This is the

00:36:43--> 00:36:48

Sahaba said we used to learn the laws of inheritance the way we used to learn the

00:36:49--> 00:36:50

reading, reading.

00:36:52--> 00:37:12

How many people have read that becomes the only issue with regard to the is the fighting in in the world to know what is happening. Why because we don't have clarity. And we don't and we don't bring in to our members and we are not we are not we are transparent,

00:37:14--> 00:37:14

I must say

00:37:17--> 00:37:19

and among the many other activities of agenda,

00:37:20--> 00:37:27

only to sex. And I always joke with them, because they are business intelligence,

00:37:28--> 00:37:29

the people

00:37:33--> 00:37:35

making the will including what to do.

00:37:36--> 00:37:44

So, this is really important, lack of clarity of financial matters. Then, of course, the most important thing with regard

00:37:47--> 00:37:50

to what is the cornerstone

00:37:51--> 00:37:51

of

00:37:53--> 00:38:01

good business and good qualities in many readings. It is trustworthiness and honesty

00:38:03--> 00:38:03

is no

00:38:07--> 00:38:08

small burn one of the things

00:38:09--> 00:38:16

he said Amanda Berry, trustworthiness, the honesty and integrity.

00:38:18--> 00:38:19

Before we knew what

00:38:21--> 00:38:27

we saw slim was known as a man of integrity, honesty and trustworthiness. Before

00:38:28--> 00:38:36

you read the memory saw some other people in the manga have suffered. And he told the people before he wanted to give him down

00:38:44--> 00:38:45

behind this mountain

00:38:46--> 00:38:46

view

00:38:55--> 00:38:59

here was known for his openness and honesty before he gave

00:39:00--> 00:39:01

notice.

00:39:03--> 00:39:03

If

00:39:05--> 00:39:06

you

00:39:07--> 00:39:12

think about the best way to give power to Islam in

00:39:13--> 00:39:15

Islam is you must be trustworthy and honest.

00:39:18--> 00:39:21

And open the door of someone when he or deceived him.

00:39:23--> 00:39:25

So the first thing with regard

00:39:26--> 00:39:36

let me give you one one Hadith, of honesty, it's just an amazing added and every idea is in the city for in the city in

00:39:39--> 00:39:46

the major hands in the two major benefits in honesty and two major dishonesty. One is

00:39:48--> 00:39:50

honesty leads

00:39:51--> 00:39:59

in other affairs, if we're honest, then who will read also write to us in other affairs. So almost

00:40:00--> 00:40:02

leads to goodness in other fields.

00:40:03--> 00:40:11

And one of the great estimates with regard to honesty is it creates trust in the community, when we press in the community these

00:40:13--> 00:40:16

days, many times, as businessmen

00:40:17--> 00:40:21

that I want something immediately and

00:40:22--> 00:40:23

send it to me

00:40:24--> 00:40:28

if there is a relationship based on trust and honesty listen to you.

00:40:32--> 00:40:36

So with that creates, it creates is it creates

00:40:43--> 00:40:43

will

00:40:48--> 00:40:56

stay away from lies, lies leads to winner in other fields, one of the things he would speak one way

00:40:57--> 00:41:00

to speak another thing was to come up with one way.

00:41:01--> 00:41:02

So, when you speak rise,

00:41:04--> 00:41:12

and that leads you towards China. So, one of the harms of dishonesty is that it leads you to either dinner in the

00:41:15--> 00:41:18

lack of trust amongst people, because this is because

00:41:19--> 00:41:20

people don't have

00:41:22--> 00:41:29

children children, we know what is happening is the arm of dishonesty so that they

00:41:30--> 00:41:37

have money monetary dealings must be based on honesty. Last point I'm gonna make mention one is leniency. Now,

00:41:38--> 00:41:41

anyone mentioned that today it's

00:41:43--> 00:41:45

the only way you could leave money is if you're harsh,

00:41:47--> 00:41:48

harsh with people

00:41:49--> 00:42:02

is something that you got me sometimes I feel that, you know, we see that one of the whole aspect of an MBA is I must make maximum profit on our naked

00:42:03--> 00:42:04

but it's very dimensional.

00:42:06--> 00:42:06

Now,

00:42:08--> 00:42:10

we can say

00:42:13--> 00:42:14

either

00:42:16--> 00:42:17

way, the

00:42:19--> 00:42:24

mercy upon the person, when he binds when he says when he demands he is linear.

00:42:26--> 00:42:29

I believe a certain business will be regarded as a

00:42:33--> 00:42:34

business

00:42:43--> 00:42:44

in America lower better person in

00:42:48--> 00:42:49

your life?

00:42:52--> 00:42:57

Who did? You? No, the only thing I can think of is I as a businessman,

00:42:58--> 00:43:05

when people used to come upon me, in business, I used to be extremely lenient on them. And they could pay me and

00:43:07--> 00:43:12

pay me according to your needs. Now, I'm not saying that a person must take advantage. But

00:43:13--> 00:43:22

the procrastination of an evil debtor is wrong is injustice. That's what I'm talking about. But you know a person is struggling to pay even more terms

00:43:23--> 00:43:24

or your person is struggling.

00:43:27--> 00:43:38

So, he said Well, now, I can think of is either business meaning when I deal with people I was extremely human to them. Do you know that he says allow

00:43:44--> 00:43:52

and deny savings, it is more worth it I must be going to go I forgiven you go to Janet.

00:43:54--> 00:44:03

And lastly we get inspected when we look at history is fine. I think we will not be getting the sums wrong. So

00:44:06--> 00:44:12

when we look at history, you will find that the greatest one of the greatest propagators of Islam.

00:44:13--> 00:44:15

Muslim Klansmen,

00:44:16--> 00:44:25

the greatest propagators of Islam and Muslim tradesmen people who did business honestly, they're the ones who presented Islam to people.

00:44:28--> 00:44:41

Look at the West Africa. I really want the United Nations book on Africa and his history. And he said that the greatest deal between Islam in the local people of West Africa was trade.

00:44:43--> 00:44:50

Trade was the reason why the people of West Africa became Muslims. Senegal today is 91% Muslim

00:44:51--> 00:44:52

because of Saudi Omani

00:44:54--> 00:44:58

Muslim. Muslims then how do we become Muslims

00:44:59--> 00:44:59

as a person

00:45:00--> 00:45:06

under the name of Musa Musa, he was one of the greatest, wealthy as rulers in the history of Africa.

00:45:08--> 00:45:16

When he went for, it took 72,000 people, he had so much that he depreciated the Egyptian currency because he spent

00:45:22--> 00:45:23

he said, an architect

00:45:27--> 00:45:30

and he created a whole empire of the same architecture.

00:45:33--> 00:45:34

Because these are new servers

00:45:36--> 00:45:37

and the architect in the data center

00:45:40--> 00:45:41

the last name

00:45:42--> 00:45:48

in our Islamic history was the philosophy of Watchmen, God forbid that fall fell in 1903.

00:45:49--> 00:45:51

How did it happen? Because

00:45:53--> 00:45:56

now is giving you an opportunity

00:46:04--> 00:46:08

to generate meeting, someone asked him the question that has been given

00:46:10--> 00:46:11

to non Muslims, he said, See,

00:46:13--> 00:46:15

interaction with him, we

00:46:16--> 00:46:37

need some sort of interaction, some sort of familiarity. So he said, you have a good relationship with your business people teach him the ethics of doing teaching the ethical how to do business, they when they do business with non Muslims, that particular ethics that you have caught, there will be millions of them becoming Muslims.

00:46:38--> 00:46:45

So when as these are some of the aspects that I've made mention of one of the dealings, I've chosen from the thinking, one, the ones that are most relevant and most important

00:46:48--> 00:47:12

that wherever we are, whatever opportunity of making our monetary affairs according to the Sharia, whatever businesses we have, because, according to the Sharia, our monetary affairs must be done in such a way that doesn't cause dispute in our organizations and our families, it must bring us together and monetary matters also poses organizations to perform organizations to find.

00:47:18--> 00:47:24

People will give organizations charity with sincerity and voltage admit

00:47:25--> 00:47:30

to people who are in charitable organizations must not use the money in such a way that

00:47:32--> 00:47:35

when you are in place of trust in using public money

00:47:37--> 00:48:00

in society with regard to public money, people will give you money and very genuine you must not use it in the manner that you go to Ghana. So here are the three of us individually and collectively a means of goodness a means of unity in making the news of us coming closer closer propagating the message of Allah subhanaw taala and meeting the means of an agenda

00:48:23--> 00:48:23

hello

00:48:37--> 00:48:37

So hello