The Recap New Endeavours Edition 2016 O-Week

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President’s Welcome Dear Ladies, Welcome to 2016! Whether you are just starting your university adventure, or embarking on your final year, we hope that you embrace all the exciting new endeavours that this year will surely bring! To our first year students, I am so thrilled to welcome you to the rollercoaster that is university life! Now is the time to take that leap of faith and try something new: get involved, join a society, apply for scholarships and exchange – there are so many opportunities available to you, and I encourage you to take advantage of them. For our returning students, make this the year that counts – set goals for yourself, and ensure they are followed through with action. It is never too late to get involved, and we wish you the best of luck as you start applying for internship and graduate positions. As Capital W enters our 10th year, we will be continuing our commitment to ensuring that you are equipped with the knowledge, skills and networks to succeed in your university career and beyond. So come along to one of our many events and meet the team, because we can’t wait to get to know you and support you on your journey!

CONTENTS Exclusive Articles 2 Capital W Executive Team 2016 Meet the Executives! 3 Market Recap By Kinza Memon 4 Advice for First Years By Chelsea Leung & Patricia Argeseanu 5 Bank of America Merrill Lynch Exclusive Interview with Da-Bin Ryu 7 Credit Suisse Exclusive Interview with Nhi-Y Pham 8 Deutsche Bank

Vianna Pan | President 2016

Exclusive Interview with Jenna Labib 10 Goldman Sachs

About Us

Exclusive Interview with Laura Mineo Capital W is the first and only dedicated undergraduate women’s business society at UNSW Australia, and open to female students from all universities. It was founded in 2007 as a grassroots approach to bridging the gap between university and the corporate world. We aim to motivate and educate talented female students of today – to give them the skills, confidence and inspiration they need to become future successful business leaders.

11 Morgan Stanley Exclusive Interview with Jasmine Wang 12 UBS Exclusive Interview with Sarah Horton 14

Woolworths Limited Exclusive Interview with Rachael Jamieson

Editors Kinza Memon, Vianna Pan, Estelle Pham Our contributors for this edition Vianna Pan, Estelle Pham, Jennie Yiu, Beatrice Lau, Tina Vo, Lauren Maxwell, Kinza Memon, Chelsea Leung, Patricia Argeseanu.


Special Thanks to Our Contributing Sponsors Bank of America Merrill Lynch, Citi, Credit Suisse, Deutsche Bank, EY, Goldman Sachs, UBS, Westpac, Woolworths


Events Calendar Capital W's Major Events in Summary

Disclaimer: "The Market ReCap" article is general in nature and written by a student. The information should not be construed as professional financial advice and/or opinion. Statements and opinions expressed are of the author and do not represent the opinion of Capital W. The author and Capital W will not be held responsible for any liability arising from your actions. Please do your own research and come to your own conclusions, or consult with a licensed professional.

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Recruitment Calendar A valuable source for deadlines regarding internships, graduate programs and special opportunities!

Capital W Executive Team 2016

Vianna Pan Co-President Fifth Year, Commerce/Mathematics

What is unique about Capital W? Apart from our core mission to empower female students to become future business leaders, which is unique in itself, what makes Capital W special in particular is the group ambitious young women at the helm. They are some of the most driven, hard-working students you will ever meet, and you cannot help but be inspired by their tireless commitment to ensure female students are educated about the opportunities available to them.

Lauren Maxwell Co-President Fourth Year, Commerce/Media

What do you know now; that you wish you had known in first year? Enjoy your first-year of university as much as possible, be involved and be openminded about your career path!

Jennie Yiu Vice President (External) Fourth Year Commerce/Economics

Beatrice Lau Treasurer Fourth Year Commerce/Science

Kinza Memon Publications Director Second Year Commerce

Estelle Pham Vice President (Internal) Third Year Commerce/Economics What is your favourite way to keep organised? My major organisational tool is my calendar. It is a great way to keep track of my study during the semester amidst social events, work and hobbies. At the beginning of each semester, I like to go through all my course outlines and mark in all my assessment dates in my calendar- this includes quizzes, mid semester exams, presentations and assignments.

What is your most effective method of driving away procrastination? My best long-term procrastinationpreventing method is to continually reinforce my goals and ambitions and subsequent fears, if these successes are not met. Write them down-make to-do lists. Having absolutely so much to do, that procrastination is completely out of the question- unless I want to be reduced to tears in the corner of my room/be unemployed.

What have you gained by being part of Capital W? As a part of Capital W I have established a strong foundation of essential careerrelated skills including networking, event organisation and teamwork. Capital W has also been a fantastic way to meet likeminded student leaders who openly welcomed me to university life as a first year when I first became involved with the society.

Where is the best food on campus? Max Brenner hands down. Their hot chocolate served in hug mugs is heaven during winter. It’s also a nice place to meet up with friends or study between classes. For a more substantial meal, look no further than Mamak next door which offers all sorts of addictive Malaysian dishes. It is guaranteed that you’ll keep coming back for their Mie Goreng or Nasi Goreng!

Where is your favourite place to study on campus? I like to study in the UNSW Business School, on the stools that overlook the Science theatre & Red Centre building – the spacious area provides enough ventilation to keep you awake to study, and the wide windows give you a spectacular view of the sun setting over the campus. Tina Vo IT Director Fourth Year Commerce/Adv. Maths– Hon. If you were given all necessary funding to change something on the university campus, what would it be and why? I would link all the buildings together so you wouldn’t need to venture outside at all on bad weather days.

Chelsea Leung Marketing Director Second Year Commerce Co-op

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Market ReCap Kinza Memon

Publications Director

Kinza Memon Publications Director Second Year Commerce

Australia In February, the RBA made the decision to maintain interest rates at 2%, a steady trend since June of 2015. National accounts data reveal that the Australian economy is currently growing at a rate of 2.5% per annum, experiencing a hike in growth by 0.9% in the September quarter of 2015. The steady upwards trend in GDP growth is forecasted to continue, as a result of the continual growth in net exports. This faster growth is expected to be coupled with a lower unemployment rate, which has fallen to 5.8%. Despite this, low-growth risks are expected to increase this year, associated with the decline in growth of Australia’s main trading partner, China.

China In the August of 2015, China undertook a severe devaluation of its currency, followed by an eight-day stretch of weaker Yuan fixings through January 7, agitating global financial markets and generating concern that it was favouring depreciation to revive severely low rates of growth. Furthermore, recent controls upon capital investment, have led to a decline in growth. Contrastingly, however, conditions in the services sector have strengthened, leading to an increase in consumption near the end of 2015. The industrial sector of China is mostly struggling, with deflationary pressures persisting, preventing the servicing of the nation’s high level of corporate debt.

North America The US has seen a decline in its GDP growth rate in the last three months of 2015 from 2% to 0.7% on quarter. Despite this, labour market conditions continue to improve. The fall in oil prices in recent months, coupled with employment and private consumption growth, have been the key drivers of expenditure growth in the nation. The US Federal Reserve has made the decision to raise interest rates to 0.5% leading to growth in investment. However, oil and commodity exporting industries have experienced limited growth due to the combined effect of the appreciated US exchange rate.

The Middle East: Saudi Arabia The recent collapse of oil prices by more than -3%, and of other commodities alongside it has greatly dominated the conditions in both the European and Middle Eastern markets. The most hard-hit by this are the two oil-driven countries of Russia and Saudi Arabia. Saudi Arabia greatly relies on its oil prices, and combined with its soaring expenses- (in 2015 they ran a budget deficit of $100 billion) suggests a significant decline in the growth of the nation.

Europe: Russia Although Russia runs a lower deficit than Saudi Arabia, the decline in oil prices have led to increasing uncertainty, and rapid economic decline. According to the estimates by the Russian Ministry of Economic Development, in 2016, economic growth will remain at around -0.5% to - 1.5% per annum, even if oil prices moderately recover. The government’s response to the declining growth and growing deficit, caused by the low oil prices, has been to significantly cut funding and salaries in the public sector, increasing unemployment levels.

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Advice for First Years Chelsea Leung & Patricia Argeseanu (2nd Year B. Comm Co-ops) So you have just been accepted into your degree and have enrolled in all your courses ─ now it hits you. You are going to be starting a new chapter of your life in a completely new environment, with a completely different set of people around you. It is an exciting new endeavour, yet coupled with a lack of experience, it can feel like a daunting challenge. So here are some tips to get you started! Getting Active in University Life There are over fifty thousand students and staff at UNSW, so fitting in and feeling like you belong can take a while. The best way to speed up this process is to join a society and get active in campus life! Societies are a great way to meet new people. Having signed up to Capital W, you are already on the right track! There are over one hundred societies in UNSW, so there is bound to be one that catches your eye. There really is no limit to how many societies you can join, so there is no harm in going all out and joining every single one that you are interested in. Tutorials and Lectures Contact hours, particularly in Commerce subjects, are relatively short. Therefore, it is important to prepare yourself beforehand to make the most out of these few precious hours of class time. Reading the lecture and tutorial material provided on Moodle prior to attending class, gives you a general understanding on the content being covered. It also allows you to make note of any areas of confusion, actively participate in class discussions and begin the memorisation process for the end of semester exams. A handy tip is to print out the course outline for all your subjects and highlight all the upcoming assessments and exams. You can then map all the tasks out on a weekly calendar template. This will allow you to visually see every assessment you will need to complete in that semester all in one location, and identify busy weeks to actively manage your time. As simple as this may seem, it is all too common and easy to miss a small assessment during the fast-paced 12 weeks, which could make a big difference to your final grade.

Opportunities for Growth and Development UNSW offers a wide array of programs designed to complement your degree and develop your professional skills. On the UNSW website, you can find a ‘Professional Development’ section that lists the programs on offer, ranging from mentoring to skills workshops. Alternatively, societies also actively promote their own networking events, case competitions and workshops on their Facebook pages. Volunteering is also an invaluable means by which you can gain experience in your field of study whilst developing your leadership, teamwork and communication skills. These skills are transferable and valued by employers, whilst allowing you to give back to your community or causes you are passionate about. The Arc Volunteer Army is a student-run organisation that promotes local volunteering opportunities to UNSW students all year round. UNSW also has a well-established student exchange program, partnering with 200 institutions in over 39 countries. The program is open to all students and allows you to complete a semester of study abroad at a chosen overseas university. By going on exchange you become immersed in a completely different culture and face a multitude of learning opportunities that you otherwise might not experience. Support Services and Resources The adjustment from high school to university can be difficult, frustrating and at times, lonely. If you are ever feeling a bit overwhelmed, UNSW provides a large number of services for free to its students. As a first year student, there are a number of peer mentoring programs specific to your degree such as the BSOC Peer Mentoring Program. A peer mentor can make all the difference in your first weeks of uni by providing guidance on meeting new people, where to find your classes and access to study resources. With all these essential tips, you are sure to make your first year memorable! University is a once in a lifetime experience and before you know it, you will be applying for grad jobs. So get involved in as many things as you can and make the most out what UNSW has to offer.

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Exclusive Interview with Da-Bin Ryu Da-Bin Ryu Analyst, Global Investment Banking Bachelor of Economics, Harvard University What is your background? I’m a Korean-American female who grew up in Southern California, and graduated from Harvard University with a degree in Economics. I spent 18 months working for Merrill Lynch in Sydney before transferring back to New York to join the M&A team. What was your motivation to pursue a career in your current line of work? I was always interested in business and corporate strategy. Although investment banking is more technical than what I originally had in mind, it has provided me with a great opportunity to develop my skills and work on transactions up-close. The theme of this publication is ‘New Endeavours’, focusing on the need to be comfortable and confident with a changing environment. Throughout the course of your career, in what ways have you best adapted to and taken advantage of change? A prime example was when I was relocated to Sydney due to a visa issue after I graduated from college. I was presented with an entirely new experience with a new team in a foreign land, and, although it wasn’t always easy, I focused on maximizing my learning and making the most of the unexpected experience, which later proved to be one of the most helpful things I could have done, both professionally and personally.

How important do you think the years you spend in university are? Very important. For me, it was the time to grow and be on my own for the first time, meet many new people from diverse backgrounds, and study different things and figure out what interests me. In the latter half of my college career, I almost became too comfortable and retreated to the people and places I was used to. I regret not making more of the opportunity during that time. What mindset should a new student adopt in order to make the most of their time at university? I’d say keep an open mind but work hard, regardless of whether it is for studies, extracurricular activities, or just making friends. You will miss your time in college and, as many people say, it is truly one of the best times of your life, so live day to day and make sure you’re always developing yourself and also impacting the people and community around you. If there is something you would like to pursue after graduation, make sure that you gain relevant experience and work towards getting closer to those goals. Has there ever been a new endeavour that made you nervous or anxious? How did you overcome this? In my first year at college, I was probably a bit too eager, taking on too many new classes and extracurricular activities, while, at the same time, trying to socialize and adjust to the new environment. I quickly learned that I had taken on more than I should have, and simply took a step back and recalibrated.

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Exclusive Interview with Nhi-Y Pham Nhi-Y Pham Analyst Investment Banking and Capital Markets (IBCM) Bachelor of Commerce/Laws University of Sydney What is your background? I attended the University of Sydney where I studied a double degree in Bachelor of Commerce / Laws. I am now a third year analyst in the Investment Banking and Capital Markets team at Credit Suisse. What was your motivation to pursue a career in your line of work? When I started my degree, I wanted to become a lawyer rather than an investment banker. This had a lot to do with the fact that I knew in theory what a lawyer did, whereas I didn’t know anything about investment banking. However, as I spoke to more people at networking events and started to enjoy my finance subjects in second year, I thought it was worth investigating a little further. I did some internships (which is the best way to work out if it’s the job you want to do after graduation) and enjoyed the pace, the intellectual stimulation and the variety of work. As a junior member of the IBCM team, I found that you are very rapidly given responsibility and given the opportunity to be an important contributor to the work your team is doing. How did you work towards academic, career and life goals during university? It’s not easy balancing full time university, with a part time job, extracurricular activities and spending time with family and friends so there is a level of planning / organisation that is required so that you don’t get behind on your university work and ensure that you still have time to enjoy activities outside of university as well.

I had loosely defined goals for each year of university in terms of my career but there was also a large component which I couldn’t plan for or have a goal for, so staying flexible is important. How important do you think the years you spend in university are? I spent six years at university, including a year doing honours in Finance, and a semester abroad studying law in Canada. Needless to say, in my day-to- day job, I don’t use much of what I learnt in Canadian law! However, the years you spend at university are important in assisting you to work out what career you might like to have and university subjects can provide a good foundation for your industry knowledge and may one day form part of your professional network. What mindset should a new student adopt in order to make the most of their time at university? Have an open mind! Both to your career/education and to extracurricular activities. You never know where the opportunities that arise or the people who you meet along the way will lead you. No one expects you to know on day one what you will be doing after university but make sure you join clubs/societies so that you build your networks and make the most from your time at university. Has there ever been a new endeavour that made you nervous or anxious? How did you overcome this? There are a lot of ‘first-time’ activities as a junior analyst in investment banking that make all of us a little nervous or anxious. For example, the first time you send a financial model that you’ve been working on to a client, or the first time you get to speak about something you worked on at a client meeting, or the first time numbers that you calculated are referenced in an announcement by an ASX-listed company. Don’t be afraid to ask questions of people who are more experienced than you to make sure you are on the right direction.

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Laura Mineo Executive Director, IBD Solutions Bachelor of Commerce, Finance and Econometrics The University of Sydney

I studied a Bachelor of Commerce (Liberal Studies) at the University of Sydney, majoring in Finance and Econometrics. I really had no idea about what exactly I wanted to do when I finished university, so I sought out as much experience in the finance industry as I could. This started with a week on an equity sales and trading desk (which I landed after literally begging someone at an employer event) and time in a restructuring team at an accounting firm. In my second year at university, I was awarded a scholarship from an investment bank that included one month’s work placement, which I later converted into part time work (again, after begging) and ultimately a graduate job. During my first year as a graduate, I decided to make a change and join Goldman Sachs. At Goldman Sachs I spent the first three and a half years in our Industrials M&A team, and have spent the last three years in IBD Solutions (our Investment Banking Division Derivatives team), working with corporate clients on risk management strategy and execution. I am really enjoying my current role as I get to work across both M&A and financing transactions and foreign currency and interest rate markets.

I found the transition at each milestone of my working life very challenging: it was challenging to join the workforce for the first time; it was challenging to leave somewhere familiar for somewhere new; and, it was challenging, just as I was getting up the curve a little in my career, to take on an entirely new role with more responsibility. However, with each challenge was a huge opportunity, so I tried to keep a positive attitude and make the most of the situation each time. To make the most of opportunities, I think it is really important to keep things in perspective. It sounds ridiculous, but at each milestone I reminded myself “if it doesn’t work out, at the end of the day, it doesn’t really matter”. This by no means meant that I didn’t take things seriously or do my absolute best, but I think it went a long way to help me be more comfortable and confident in new environments. In my current role, my responsibilities are growing and markets and products are continually changing, so I still find things like meeting new clients or working with new teams challenging. I think these days it matters a little bit more if things don’t work out as there is more than just my career or personal goals at stake, but with each new endeavour I am better prepared for the next one.

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Exclusive Interview with Jasmine Wang Jasmine Wang Analyst, Investment Banking Division Bachelor of Commerce /Law University of Sydney What is your background? I am an analyst in the investment banking division of Morgan Stanley. I graduated from a Commerce / Law degree from the University of Sydney in 2014. What was your motivation to pursue a career in your current line of work? I was drawn to investment banking because of its dynamic nature, and the never-ending learning curve. I feel that it is one of the best training grounds for someone starting out in their career, because it allows you to work with, and for, some of the best minds in the industry. The theme of this publication is ‘New Endeavours’, focusing on the need to be comfortable and confident with a changing environment. Throughout the course of your career, in what ways have you best adapted to and taken advantage of change? I am definitely a believer in the merits of change. Throughout my time at uni, I was keen to try as many different things as possible, be it internships at law firms, banks or volunteering for non-profit organizations. This allowed me to find something that I was interested in. A willingness to embark on new endeavours exposes us to as many opportunities as possible, and allows us to find that “black swan” event that may end up shaping our future!

How important do you think the years you spend at university are? My university years are pivotal to me. Not only did I learn a lot inside the classroom, but the people I met, and the societies I joined, all came to influence me in some shape or form. It was great meeting so many like-minded people, and becoming great friends with them! What mindset should a new student adopt in order to make the most of their time at university? I think open mindedness is very important. Your goals and aspirations at the end of Uni will likely be very different to what you wanted at the start. It is important to try as many things as possible, and not limit your options. You never know where you might end up! How did you work towards your academic, career and life goals during university? I tried to maintain a balance through university. Whilst it is important to get good grades, find a good job etc., it is important to not lose perspective and remember to enjoy your life. One way I found my balance was by travelling as much as I could during the holidays, it allowed me to approach my goals with a fresh mind and renewed vigour.

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Exclusive Interview with Sarah Horton Sarah Horton Analyst, Natural Resources Group Bachelor of Commerce (Accounting/Finance) – Diploma of Finance at Melbourne University What is your background? I completed a Bachelor of Commerce (majoring in accounting and finance) with a Diploma in Finance from Melbourne University. Throughout school I didn’t really have a clear idea of what I wanted to do, but I really enjoyed maths and science and I knew I didn’t want to pursue a career in law or medicine. Hence, commerce was a logical choice as it is a general and broad degree that can be applied to many fields.

What was your motivation to pursue a career in your current line of work? At university I had a particular interest in finance, I also really enjoyed keeping up with the news and following what was going on in the market. I had heard that investment banking was a common path for people to go down who were interested in finance, so I spoke to people in the industry to gain some further insight and as a result was keen to give it a go! What mindset should a new student adopt in order to make the most of their time at university? Be open minded to try new things and meet new people. University is a time to make the most of the broad range of opportunities that are available such as trying a case competition, attending careers fairs and building your confidence. Use it as a time to work out what you are passionate about and what line of work you would like to pursue.

How important do you think the years you spend at university are? Really important! I spent 4 years at university and that period was crucial for preparing me to start work. You make lots of new friends at university that have similar interests and aspirations to you. Which is really helpful later down the track when you are all thinking about applying for jobs. University also allows you to work out what specific areas particularly interest you, I knew after a couple of years I was most interested in finance.

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Exclusive Interview with Rachael Jamieson Rachael Jamieson Head of Service Delivery, Talent Acquisition & Development. “I always wanted to tell other people's stories, now I help shape them.”

Background Rachael Jamieson is a Sydney girl from the ‘burb’s who grew up with a real love of people and their stories. This lifelong passion led her to study Communications and take her first job in a recruitment agency - where she took pride in collecting people’s stories to help them find their perfect job. Rachael’s dedication and motivation soon saw her managing the recruitment agency where she was able to further grow the business through consulting and training service arms.

After seven enjoyable years, Rachael decided that it was time to branch out and start her own business. Rachael’s Talent consultancy grew quickly from a box of business cards to a satellite team. She offered a complete range of Executive Search, Coaching and Leadership Development services and continued to grow her business over a five-year period. Rachael next made the decision to join the CBA Group with a clear plan to ‘collect further corporate experiences’. Rachael held progressively senior roles and worked closely with senior leaders across the CBA Group in the role of Executive Manager, Leadership Partnerships.

After three years with CBA, Rachael joined the Woolworths Supermarkets team to lead the Organisation Development function - a role that was much closer to home. With three young children starting school soon, this role offered Rachael the chance to continue her own personal development and balance family and life! What mindset should a new university student adopt in order to ease the transition? I believe we are ‘students of life’. A curious mindset helps you gather context rapidly and build genuine relationships - both are key to career success. How do you work towards your academic career, and life goals during university? I loved every minute of university and to start preparing for life after study, I held a part time office job. I also had a mentor during university who, being some years ahead of me, was able to impart some great advice. To broaden my experiences and networks I also saved madly to travel whenever I could. Throughout the course of your career how have you best adapted to and taken advantage of change? Build your own resilience through fitness, friendships, family…. whatever it is that gives you meaning and purpose in life. I believe that by maintaining your personal focus, this makes the most significant difference as change continues to present itself in corporate life.

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Capital W Calendar Semester One Events th

March 11 International Women’s Day Breakfast Week 3 First Year Social, Subcommittee applications open Week 6 Internship Applications Workshop Week 4 – 13 Sponsor In-house Events June Industry Knowledge Workshop th June 28 Annual Dinner Please note that specific dates and times will be confirmed closer to the events. We will give notice of this in the fortnightly e-newsletter and place the details on our website and Facebook page. Sponsor events will also be held throughout the semester.

NB: An updated version of the Recruitment Calendar and Capital W Events will be available on the Capital W website in the near future. Many recruitment deadlines remain TBC and will be updated as more information is obtained.

Recruitment Calendar Graduate Deadlines

Summer Internship Deadlines

Open: 1 March

Open: 1 March

Close: 7 April

Close: 21 July (Sydney) | 7 July (Melbourne)


Close: 7 April, 12pm

Close: 21 July, 12 pm (Sydney) | 7 July, 12pm (Melbourne)

Credit Suisse

Close: 7 April

Close: 21 July (Sydney) | 7 July (Melbourne)

Commonwealth Bank

Open: 20th February, 12am

July (TBC)

Bank of America Merrill Lynch

Close: 25th March, 5pm Deutsche Bank

Close: 7 April, 12pm

Close: 21 July (Sydney) | 7 July (Melbourne)

Ernst and Young

Open: 15 February

Open: 15 February

Close: 31 March

Close: 7 April (Sydney, Melbourne and Brisbane) | 31 March (Adelaide, Canberra and Perth)

Goldman Sachs

Close: 7 April

Close: 21 July (Sydney and Perth) | 7 July (Melbourne)

Macquarie Group

Open: 29 Feb

Open: 20 May (Sydney) | 18 May (Melbourne) | 17 Feb (Auckland)

Close: 7 April Close: 21 July (Sydney) | 7 July (Melbourne) | 3 March (Auckland) Morgan Stanley

Close: 7th April

Close: 21 July (Sydney) | 7 July (Melbourne)


Close: 7 April, 12pm

Close: 21 July, 12 pm (Sydney and all other locations) | 7 July, 12pm (Melbourne)

Westpac Institutional Bank

Early April (TBC)

August (TBC)


Open: 1 February


Close: 24 March, 12am

Special Opportunities (Scholarships, Programs and Cadetships) Citi

Women in Banking Scholarship Close: 5 May, 12pm

Deutsche Bank

Aspiring Talent Program – Penultimate year female students Close: 14 April

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About Us Capital W is the first and only dedicated undergraduate women’s business society at UNSW Australia, and open to female students from all Australian universities. It was founded in 2007 by UNSW Co-op scholars as a grassroots approach to bridging the gap between university and the corporate world. Our goal is to motivate and educate talented female students of today – to give them the skills, confidence and inspiration they need to become successful business leaders of the future.

Stay Connected! Keep up to date with the latest Capital W news, events and sponsor information via our website,, or like us on Facebook at

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