Most of us pay attention to our health when something feels wrong. A sharp pain sends us reaching for relief. Shortness of breath after climbing

There is a big difference between being told that something costs ₦400,000 and being told that you can pay ₦40,000 every month for 10 months.

Imagine walking into a bank, hospital or government office and needing to explain something important. You know what you want to say, but the person