Shows
CANADALANDIt’s Time to Break Up with American NewsWhy are we reporting on American news when we have more than enough to cover here in Canada?Canadian media has been breathlessly covering Trump, Epstein, Stephen Colbert, and The Wall Street Journal, but all this reporting doesn’t add much to the conversation. Is it time to decouple Canadian news from the US news cycle?Host: Jesse BrownCredits: James Nicholson (Producer), Lucie Laumonier (Associate producer and Fact Checking) Tristan Capacchione (Audio Editor and Technical Producer), max collins (Director of Audio), Jesse Brown (Editor)Guest: J.J...
2025-07-2335 min
The Savvy Investor PodcastThe Missing Middle Strategy with Paul SzkucLet Us Know What You Thought Of The Episode Ever driven past a run-down lot or a half-collapsed house and thought…“What a waste of space”?Well, what if that “mess” is actually a goldmine?In this episode of the Savvy Investor Podcast, host Michael Ponte sits down with Paul Szkuc, founder of Proximity Properties, to unpack one of the most underrated strategies in real estate right now: Missing Middle Development.We’re talking about purpose-built rentals — duplexes, triplexes, fourplexes, even 6 or 8-plexes — that are perfectly sized for existing neighborhoods. They’re not massive tow...
2025-07-161h 06
CANADALANDHow a Canadian Teenager Stole a Record CompanyToday we unmask the mastermind behind one of the most unlikely mysteries in hip hop history.Digging through old FBI files to reveal the name of the arch villain who orchestrated a transnational scam that duped some of rap's biggest players. And here's a spoiler, the culprit was a teenager in Ottawa who juggled his international hip hop swindle with his high school math homework.Further Reading:Ben Westhoff Substack Article FBI FilesMore FBI FilesCreditsHost: Jesse BrownJ...
2025-07-1440 min
CANADALANDCanada’s Big Beautiful Clean Energy OpportunityCarney’s clean energy disappearing act. Trump’s all out war on clean energy could be a huge economic opportunity for Canada’s energy future, but Carney’s focus on pipelines and carbon capture has us heading backwards. Host: San GrewalCredits: James Nicholson (Producer), Lucie Laumonier (Associate producer and Fact Checking) Tristan Capacchione (Audio Editor and Technical Producer), max collins (Director of Audio), Jesse Brown (Editor)Guest: Geoff DembickiAdditional music by Audio Network Further reading: How Trump’s ‘big, beautiful bill’...
2025-07-0931 min
CANADALANDAre We Done Hating On Canada Day?Canada Day’s redemption arc.With patriotism surging in Canada, how do we balance reconciliation with a renewed sense of national pride? Arno Kopecky joins to discuss Canada Day’s conflicted legacy. Host: Noor AzriehCredits: James Nicholson (Producer), Lucie Laumonier (Associate producer and Fact Checking) Tristan Capacchione (Audio Editor and Technical Producer), max collins (Director of Audio), Jesse Brown (Editor)Guest: Arno KopeckyAdditional music by Audio Network Further reading Sponsors: Douglas: ...
2025-07-0230 min
CANADALANDKing Carney: The PM's Naked Power GrabCarney gets a pass in the “No Kings” moment.A flurry of omnibus bills include significant government overreach, but the Canadian coverage is reluctant to call out Carney. Should we be outraged or is this really in the best interest of Canadians?Host: Jesse BrownCredits: James Nicholson (Producer), Lucie Laumonier (Associate producer and Fact Checking) Tristan Capacchione (Audio Editor and Technical Producer), max collins (Director of Audio), Jesse Brown (Editor)Guest: Stephen Marche Further reading Sponsors:S...
2025-06-2527 min
CANADALANDThere Are Hundreds of Thousands of Iranian-Canadians. How Are They Doing?There’s a secret club in Canada. And trust me, you don’t want to be a member. If you’re in this club, your first response when you hear news about bombs and death and carnage in the Middle East is not to hop onto Twitter or Facebook to post your political opinion about it. Your first response is to make a long-distance phone call to try to find out if your family and friends over there are still alive. Lebanese Canadians are in this club, Palestinian Canadians are in this club, Jewish C...
2025-06-2339 min
CANADALANDAlberta's Green Energy Plan to Dig up the Rockies for CoalRescinding an almost 50-year-old coal mining moratorium to get out of lawsuits, Greenbelt FOI code words, mayoral power-fuelled bike lane challenges…the latest transparency breaches from provincial and municipal governments across Canada are almost too numerous to count. Does democracy mean nothing in this country?Host: San GrewalCredits: Jess Schmidt (Producer), Lucie Laumonier (Associate producer and Fact Checking) Tristan Capacchione (Audio Editor and Technical Producer), max collins (Director of Audio), Jesse Brown (Editor)Co-host: Cole BennettPhoto: James Wheeler (modified) Further reading: Alberta Premier Danie...
2025-06-2027 minThe Savvy Investor PodcastFlipping For Profit. Is it That Easy? with Elisa CovingtonLet Us Know What You Thought Of The Episode In this episode, we are joined with Elisa Covington. Elisa shares her journey from landlord to full-time house flipper, offering practical insights into the realities of real estate investing. She discusses the challenges of early DIY renovations, the value of project delegation, and the systems she uses to manage multiple flips at once.Key Topics:Investment Fundamentals: Prioritizing data over aesthetics when evaluating properties.Renovation Strategy: Balancing design vision with budget constraints; selecting finish materials directly.Team Management: How to source and retain...
2025-05-1455 min
The Your Life! Your Terms! ShowScreen Smarter, Rent Safer: SingleKey's New Tools, AI Upgrades, and Rental Market Insights with MacKenzie WilsonMacKenzie Wilson from SingleKey is back to walk us through all the latest updates they’ve rolled out—and this is way more than just credit checks. We chat about the real differences between TransUnion and Equifax, why tenant screenshots from bank apps can be misleading, and how SingleKey’s new integrations with CanLII, OpenRoom, and SOQUIJ are helping landlords spot red flags faster. MacKenzie also explains how they’re now using AI to detect tampering on paystubs and bank statements, running KYC-level ID verifications, and digging deeper into tradeline missed payments to give a clearer financial picture. We talk abo...
2025-05-021h 16The Savvy Investor PodcastNo Income, No Job, No Problem Mortgage?Let Us Know What You Thought Of The Episode On this episode of the Savvy Investor Podcast we have Fernando Corona from My Remote Lender, who transitioned from the corporate world to real estate investing success via multiple ventures.In this episode we discussed: - Real estate opportunities in the US vs Canada- Financing in the US markets and how some products make qualifying easier- Loan products and structures available in the US- Leveraging LLCs- Understanding secondary markets- & more!...
2025-03-121h 06
The Truth About Real Estate Investing... for CanadiansOntario Rental Market Update w/ Rent PandaOn to this week’s guest! Again, Hart is a friend, I refer him clients all the time for tenant location services. This may sound like a paid endorsement and full disclosure, Hart Pays me nothing. We receive zero compensation for me having Hart on this show and sending him referrals. It’s too bad we’re selling the rest of our Ontario portfolio in the near future so I could have asked him for favours but no. Nothing LOL. Which I don’t mind so my judgement is not clouded. We get a long because we...
2025-01-161h 12The Savvy Investor PodcastAlways Get Your Rent Paid.....Guaranteed! with Viler LikaLet Us Know What You Thought Of The Episode In this episode, host Michael welcomes Viler Lika from SingleKey to discuss rent collection and tenant management challenges faced by landlords, particularly in Ontario.Key Points- Introduction to Viler Lika & SingleKey - Viler Lika’s background as founder and CEO of SingleKey and the impact of COVID-19 on rental market risks- Landlord Challenges including increasing issues at the landlord tenancy branch and financial impacts of tenant non-payment- SingleKey's Solutions including tenant screening services such as credit checks and background ve...
2024-12-1847 min
Control and Compound with Darren MitchellThe BEST Ways to Invest in Real Estate in Canada | LIVE from the Keyspire Investor SummitTAKE CONTROL OF YOUR MONEY NOW: https://www.controlandcompound.com/contact-us On today’s episode, Darren and Christina sit down with some of the top real estate investors in Canada at the Keyspire Investor Summit that took place at the end of September in Toronto. Tune in now to learn about what some of the best investors in the country are doing strategy wise and what they think is the smartest place to invest right now! 00:00 - Introduction 2:50 - Michael Ponte from Savvy Investor 8:10 - Ronnie Fisher from Keyspire 10:50...
2024-10-1045 min
Moolala: Money Made Simple with Bruce SelleryMaking Housing More Accessible For Newcomers to CanadaFinding affordable housing can be a challenge and even more so if you are new to the country. A company called SingleKey aims to make housing more accessible for newcomers by providing property managers access to foreign credit histories. Director of Customer Engagement MacKenzie Wilson joins us to tell us more about this.
Find out more at singlekey.com and connect on LinkedIn, Instagram, Facebook and X.
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2024-10-0211 minMoolala: Money Made Simple with Bruce SelleryUnderstanding the “Decumulation” Phase of Retirement | Full EpisodeHow to make your retirement savings last. Eric Monteiro, Sun Life’s SVP of Group Retirement Services, helps us understand the “decumulation” phase. Then, a tool to help newcomers to Canada get approved to rent a home. MacKenzie Wilson from SingleKey, tells us how they help property managers access foreign credit histories. And, how your mobile payment app may be making you overspend. Yuxian Xu, an assistant professor of Operations Management at the University of North Carolina, explains the data behind it. Plus, financial literacy tips for post-secondary students with Benjamin Croitoru, Associate Finance Professor and resident personal finance expert...
2024-10-0155 min
The Viral Ideas PodcastAI Nonemergency Care, Medical Rendering Art, Essential Work Wear, and Support Systems with Esha DhillonThe Viral Ideas Podcast with Josh & Runda. In this episode, we talk about viral Healthcare Industry ideas with our guest Esha Dhillon:
00:00 Intro
02:05 Global Health Core
16:40 Medical Rendering Art
25:57 Real Estate Support System
34:10 Essential Work Wear
43:19 Sigma Mental Health
53:35 Outro
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Links:
Global Health Core
Madame Tussauds
SingleKey
Viral streamer hires friend to torment squatter
Figs
Air (2023)
Esha's Linkedin
Esha's Instagram
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Josh's Stuff:
Ten Four Pictures - Full-Service Video Production
Runda's Stuff:
SPACE HOTEL - Creative Consultancy
Runda This Week - A Personal Newsletter
TECHxCULTURE - Community even...
2024-08-1355 min
The Your Life! Your Terms! ShowNavigating Credit Reports, SingleKey Innovations, And Calgary Real Estate With MacKenzie WilsonJoin us as we discuss how to properly run and assess Canadian and international credit reports with MacKenzie Wilson, including the differences between Equifax and TransUnion, and SingleKey's new features for landlords. We also dive into the Calgary real estate market, future trends, and the impact of the oil and gas industry. Visit singlekey.com to explore their suite of products and rockstarinnercircle.com to level up your investing game and live life on your own terms!
2024-06-251h 12
The Truth About Real Estate Investing... for CanadiansConverting 1 House Into 8 Units in Calgary and Tenant Screening with Mackenzie WilsonOn to this week’s show! MacKenzie Wilson is a risk adverse, smart guy as he got into investing in Calgary real estate and wisely knew that screening for the right tenant was absolutely key and that the wrong tenant would lead to a living nightmare. This coming from a Calgarian! Ask him what he thinks about the investing in BC or Ontario!! MacKenzie Wilson is an advocate for affordable housing and reduces the risk for landlords and tenants across Canada. With this MacKenzie has created and manages the largest online community of 4,000+ Landlords in Alberta. His onli...
2023-12-131h 13
FOR RENTChallenges & Opportunities for the Ontario Rental Housing IndustryHost MacKenzie Wilson and Kayla Andrade from Ontario Landlords Watch focus on the unique challenges of the Ontario rental market, from the costs in rent arrears cases to the impact of Bill 97. Learn more about how to navigate the Ontario rental housing industry successfully and where to find more resources at the Ontario Landlords Watch 5th Annual Private Housing Sector Conference on October 28.
2023-10-0535 min
The Truth About Real Estate Investing... for CanadiansStarting a Private Housing Task Force With Kayla AndradeWe have a long-time friend of the show Kayla Andrade, President of Ontario Landlords Watch, a grass roots, not for profit organisation, there’s almost 10,000 Facebook group members. Kayla has been advocating for landlords ever since her local city passed a by-law that if a tenant doesn’t pay their water bill, said debt gets applied to the landlord’s property tax. Got to love how landlords are expected to back stop the tenant’s debt. Kay is here to share about best practices and how we may advocate for our rights so we may all come together...
2023-09-251h 10FOR RENTFearless Investors FB Group, Helping 7.1k Members Achieve Financial Success!Join host MacKenzie Wilson and Corey Young from Fearless Real Estate Investors as Corey shares his story of turning his Facebook group with his wife, Tiffany, into a successful business for real estate investors. Discover investment strategies that work and how you can learn more from their latest event, Fearless Real Estate - Calgary, this Sept 23/23 and use promo SINGLEKEY to save $25 on your ticket!
2023-09-1918 min
FOR RENTKnow when to break your Mortgage at Anytime with Perch!Alex from Perch discusses his background and why he stared Perch Mortgages, how Perch automatically calculates the when it is the best time to break your mortgage, how perch perserves your application allowing you to create an application in as little 10-15mins.They wrap up discussing the current state of the Canadian housing market with MacKenzie and Viler. They cover topics such as the impact of rising interest rates, the role of foreign money in the market, and inter-province migration. Alex predicts that the next 6-10 months will see above-average price growth, followed...
2023-09-131h 00
The Burn Your Mortgage PodcastThe Burn Your Mortgage Podcast: Risk-Free Renting with MacKenzie Wilson of SingleKeyOn today’s show I’ll be talking to MacKenzie Wilson of SingleKey.
SingleKey Helps Landlords Find the Right Tenant & Manage Risks That Come With Renting. Screen Tenants, Run Background-Checks & Protect Your Property with Our Rent Guarantee. Result in only 5 minutes! Trusted by 90K+ Landlords.
MacKenzie Wilson increases the supply of affordable housing through grass root education of Alberta Landlords. He uses tech to instill best practices and reduce the risk for landlords & tenants across Canada.
He is Co-Founder and Managing Partner of the largest Facebook group for Alberta landlords, the Alberta Landlord Comm...
2023-08-1131 minFOR RENTTips for TENANTS, Securing your Next Rental in a HOT Market!This episode provides tips for tenants to make a good impression when applying for rental properties. Basic manners and courtesy, wearing socks to viewings, and following instructions in rental ads are important. A survey shows that providing additional information beyond "is it available?" increases the chances of getting a response from landlords. Other tips include presenting a budget sheet, being concise but thorough in answering screening questions, and taking ownership of problems. It is also important to present oneself positively on social media and not badmouth previous landlords. Unique ways to showcase oneself, such as presenting a business card...
2023-07-2223 min
FOR RENTJuly 2023 Mortgage Rate Update with Perch CEO Alex LeducPerch Capital CEO Alex Leduc provides insight into how the latest Bank of Canada interest rate hike will affect the real estate market. The market is still pricing in that rates inflation should go back to normal, but ultimately the outlook is still that we're going to start seeing cuts. The expectation that the market is pricing in is that they're going to start cutting about a percent a year, starting in the middle of next year. Quarter-point hikes shouldn't change a lot of people's mentalities around housing or purchases, but for every quarter-point increase, payments on every $100k...
2023-07-1405 min
FOR RENTInterview with Bidmii's CEO, Jon Christensen and, CTO, Phillip StackIn this podcast episode, Bidmii co-founders Jon Christensen and Phillip Stack discuss the unique features of their platform for rental property owners, how they focus on education to better serve their customers, and the future of property tech.Timestamps: (01:11) - Introducing Bidmii and how this platform will help landlords, home owners, and contractors.(02:38) - What have the challenges been getting into the market?(10:01) - The birth story of Bidmii.(17:02) - How Bidmii is closing the gap between the consumers and contractors.(22:29) - How payments and projects works on Bidmii.(25:06) - What makes Bidmii u...
2023-05-0200 min
The Russell Westcott Podcast📈 Elevating Your Most Important Real Estate Investing Relationship 🤗📈 Elevating Your Most Important Real Estate Investing Relationship 🤗 Featuring MacKenzie Wilson
When assembling your Real Estate power team, the one forgotten member and perhaps one of the most critical relationships in this game is your tenants... your clients.
In this upcoming podcast episode, we go deep into a conversation with MacKenzie Wilson.
MacKenzie is the Director of Customer Engagement & Experience with SingleKey, a tech and data company designed to reduce the risk for homeowners renting out their homes significantly.
We dive deep into the conver...
2023-05-021h 41
FOR RENTFrom Stocks to Real Estate: How Erwin Szeto Found SuccessAre you looking to secure your financial future? In this podcast episode, real estate investor and expert Erwin Szeto shares his journey from stocks to real estate, along with tips and strategies for success in the rental industry. Tune in to hear about his experience navigating the ups and downs of the market, and how he keeps things simple to grow his portfolio strategically.Timestamps:(01:57) - Erwin's journey to real estate investing.(06:47) - If you put work into real estate investing you will become an insider.(09:45) - Erwin's first failed home investment.(15:13...
2023-04-0352 min
The Truth About Real Estate Investing... for CanadiansThe SingleKey to Screening and Insuring Tenants Thanks to Technology With Founder Viler LikaWe have the founder of Property Technology company Viler Lika on the show. He is the founder and CEO of SingleKey and if you haven’t heard of them yet you will want to pay attention to this show as in my experience, they are providing us investors a ton of value at affordable prices. SingleKey is the largest tenant screening service out there with their recent acquisition of Naborly. The majority of the professional investors I know are already using their tenant screening aka credit checking online software as it’s fast, cheap, encrypted, and the repo...
2023-03-281h 04
FOR RENTTenant Screening QuestionsLooking to improve your tenant screening process? In this episode, Mackenzie Wilson shares his top 10 pre-screening questions that will help you quickly and effectively assess potential tenants. From income verification to rent collection practices, these questions will save you time and eliminate stress in the long run. Don't miss out on these pro tips to better your rental business!Timestamps: (00:43) - Episode summary and best formats for asking your questions.(02:44) - Question 1(03:51) - Question 2(04:33) - Question 3(04:42) - Question 4(05:16) - Question 5(05:38) - Question 6(05:54) - Question 7(06:07) - Question 8(07:15) - Question 9(10:28) - Question 10(11:10) - Pro tips a...
2023-03-1516 minFOR RENTNo Heat New Year Eve - How I avoided over $8,000+ BILL!Join MacKenzie as he shares a wild journey where he almost paid $8k+ for a new furnace. With multiple insightful interviews, this episode features more than eight pro tips, including specific how-tos on shopping for economic alternatives to keep your rental property profitable. Bonus: my upstairs tenant shared a totally unexpected message that blew me away!Timestamps:(01:32) - The text that started it all. The story of the failing furnace. (03:15) - First service call, the big brand name price reveal. (05:44) - Second company's furnace replacement quote.(06:37) - Seeking a solution in the Alberta...
2023-03-0129 minFOR RENTStudent Communities (rentals) Insights from 600 Bed Tower Downtown TorontoIn this episode, we provide an in-depth look at the work of Canadian Student Communities with Matt Stein. Matt shares his vision for creating a welcoming and thriving community in their 600-bed tower in Toronto and provides tips for other landlords renting to students. We also discuss the unique amenities Matt offers that keep students returning year after year. This episode is a must-listen for anyone looking to invest in student housing.Timestamps:(00:41) - Introduction to Matt Stein and his 600-bed tower in downtown Toronto.(07:36) - Matt's vision of creating a worthy and...
2023-02-1028 min
FOR RENTOntario Tenant Screening with Anthony MolinaroIn this episode, we hear from Anthony, a real estate expert, who shares his approach to working with student rentals and what he looks for in a good tenant. Anthony covers everything from marketing strategies to setting up background checks and offers practical tips and advice for anyone interested in the student rental market.Timestamps(02:03) - Overview of the rental industry in Ontario(04:35) - How to time leases for students.(08:42) - The difference between rental terms in Ontario vs. Alberta(11:55) - Why Anthony doesn't do credit checks on students.(14:25) - Group leases with...
2023-02-021h 06
FOR RENTContractor Secretly Moved into my Rental! (Remote Landlord)In this episode, MacKenzie Wilson sits down with seasoned landlord, Christine Rzepka. With a goal of 100 doors in 5 years, Christine shares her experiences managing a dozen rentals from another province. Listen in as she reveals valuable lessons learned, including a story of a contractor who secretly moved into one of her rentals and how she handled the situation. Christine also provides great insights on using photos effectively with your contractor. Don't miss this informative episode of For Rent!Timestamps: (01:53) - Why and how Christine started to be a remote landlord.(03:29) - Christine’s sy...
2023-02-0123 min
FOR RENTSomeone Wants to AirBnB (Rental Arbitrage) My Property Should I do it?In this episode, We discuss rental arbitrage, the pros and cons, and what to look out for when it comes to leasing your rental property to a company or host that will in turn sublease your property to short term guests.Timestamps(00:45) - What is AirBNB Arbitrage?(03:34) - What people on the facebook group are saying.(05:34) - The pros and cons to Rental Arbitrage(07:22) - What to look for if you decide to lease to a rental company.Resources Mentioned:https://www.linkedin.com/in/mwyyc/https://www...
2023-01-3111 min
The Truth About Real Estate Investing... for CanadiansFrom Fearing Tenants to Working at SingleKey with MacKenzie WilsonThis week we have Mackenzie Wilson of SingleKey the tenant credit and background check reporting service that recently acquired Naborly. If you haven’t heard of SingleKey… well they are quite popular in the circles I run in and for you new investors, you’re so lucky you don’t have to run credit checks the old way… Mackenzie is a very diligent investor from Calgary, Alberta. He shares how we went from oil rigs and IT at Telus and left it behind to start an online business in real estate that didn’t go so well but h...
2023-01-301h 28
The Real Estate PodcastReal Estate FRAUD In Toronto | KT CONFIDENTIAL EP219 | The Real Estate PodcastRecent real estate frauds have been committed in Toronto; fraudsters impersonating real estate agents, homes being sold without the homeowners' consent, and apartments being rented out by scammers. Adrian and Ariel provide their knowledge and tips on spotting suspicious activity and protecting yourself from fraudulent deals. Learn more about the red flags of real estate fraud and make sure you don't get scammed!
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0:17 – Intro
1:49 – Rental fraud in Toronto
4:42 – Committing frauds through Airbnb
6:11 – Rent a place that's listed with a brokerage with a real estate agent
8:29 – Interview your tenants
9:49 – Use SingleKey to do a background check on tenants or landlords
10:50 – Confirm your tenant's...
2023-01-2315 min
Miss FindependentSingleKey Founder Viler Lika on Knowing Your Rights as a Landlord or TenantIn this episode, I sit down with Viler Lika, the founder and CEO of SingleKey, which takes the stress out of renting. It helps landlords find the right tenants, and helps manage the risks that come with renting - serving both the landlord, and the tenant. They’re like a bridge that makes managing that relationship easier. It’s a platform that I use myself, and that’s why I was really looking forward to this conversation. I met Viler a couple years ago and have seen his business grow and evolve. It’s an incred...
2022-10-1253 min
The Your Life! Your Terms! ShowMacKenzie Wilson - Tenant Screening 101 & Reducing Risk As A Landlord With SingleKeyMacKenzie Wilson from SingleKey.com laid down pro tips on how to advertise your property to tenants, screen tenants & protect yourself as a landlord. Speaking from his own experience of protecting his valuable assets & running Alberta's largest Facebook group of real estate investors (www.albertalandlordcommunity.ca). Investing in real estate WILL change your financial life, especially if you minimize your risk by implementing strategies found in this episode.
2022-10-061h 05
Sync or Swim: The Multifamily Growth ShowReducing Investment Risks in Property Management"Our focus and the way that we've taken a different approach is that instead of providing other property management tools or just another tenant screening tool, we said, 'Hey, what can we do to actually take away that risk of tenant delinquency for the landlord?'" — Viler Lika During his time in consumer credit risk, Viler Lika started thinking about renter creditworthiness and how it impacts rental properties. In 2017 he founded SingleKey, the mission of which is to remove the common headaches of renting, and provide risk management for landlords. A major pain point for any landlord or p...
2021-10-2727 minSync or Swim: The Multifamily Growth ShowReducing Investment Risks in Property Management"Our focus and the way that we've taken a different approach is that instead of providing other property management tools or just another tenant screening tool, we said, 'Hey, what can we do to actually take away that risk of tenant delinquency for the landlord?'" — Viler Lika During his time in consumer credit risk, Viler Lika started thinking about renter creditworthiness and how it impacts rental properties. In 2017 he founded SingleKey, the mission of which is to remove the common headaches of renting, and provide risk management for landlords. A major pain point for any landlord or p...
2021-10-2727 min