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h1
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h2
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h3
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        font-family:"Calibri Light",sans-serif;
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h4
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        font-family:"Calibri Light",sans-serif;
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h5
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        font-family:"Calibri Light",sans-serif;
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        font-size:11.0pt;
        font-family:"Calibri",sans-serif;
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        letter-spacing:.75pt;
        mso-fareast-language:EN-US;}
a:link, span.MsoHyperlink
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        color:#0563C1;
        text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
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        color:#954F72;
        text-decoration:underline;}
p
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        font-size:12.0pt;
        font-family:"Times New Roman",serif;}
address
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        mso-style-link:"HTML Address Char";
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        font-size:12.0pt;
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        font-style:italic;}
p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph
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        margin-right:0cm;
        margin-bottom:8.0pt;
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        font-size:11.0pt;
        font-family:"Calibri",sans-serif;
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p.MsoListParagraphCxSpFirst, li.MsoListParagraphCxSpFirst, div.MsoListParagraphCxSpFirst
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        margin-right:0cm;
        margin-bottom:0cm;
        margin-left:36.0pt;
        margin-bottom:.0001pt;
        mso-add-space:auto;
        line-height:105%;
        font-size:11.0pt;
        font-family:"Calibri",sans-serif;
        mso-fareast-language:EN-US;}
p.MsoListParagraphCxSpMiddle, li.MsoListParagraphCxSpMiddle, div.MsoListParagraphCxSpMiddle
        {mso-style-priority:34;
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        margin-right:0cm;
        margin-bottom:0cm;
        margin-left:36.0pt;
        margin-bottom:.0001pt;
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        font-size:11.0pt;
        font-family:"Calibri",sans-serif;
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p.MsoListParagraphCxSpLast, li.MsoListParagraphCxSpLast, div.MsoListParagraphCxSpLast
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        font-size:11.0pt;
        font-family:"Calibri",sans-serif;
        mso-fareast-language:EN-US;}
span.HTMLAddressChar
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        font-family:"Times New Roman",serif;
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span.Heading1Char
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        font-family:"Times New Roman",serif;
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span.Heading2Char
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        mso-style-link:"Heading 2";
        font-family:"Times New Roman",serif;
        mso-fareast-language:EN-ZW;
        font-weight:bold;}
span.Heading3Char
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        mso-style-link:"Heading 3";
        font-family:"Calibri Light",sans-serif;
        color:#1F4D78;}
span.Heading4Char
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        mso-style-link:"Heading 4";
        font-family:"Calibri Light",sans-serif;
        color:#2E74B5;
        font-style:italic;}
span.Heading5Char
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        mso-style-priority:9;
        mso-style-link:"Heading 5";
        font-family:"Calibri Light",sans-serif;
        color:#2E74B5;
        mso-fareast-language:EN-US;}
p.msonormal0, li.msonormal0, div.msonormal0
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        mso-style-priority:99;
        mso-margin-top-alt:auto;
        margin-right:0cm;
        mso-margin-bottom-alt:auto;
        margin-left:0cm;
        font-size:12.0pt;
        font-family:"Times New Roman",serif;}
span.BodyTextChar
        {mso-style-name:"Body Text Char";
        mso-style-priority:99;
        mso-style-link:"Body Text";
        font-family:"Times New Roman",serif;}
span.SubtitleChar
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        mso-style-priority:11;
        mso-style-link:Subtitle;
        font-family:"Calibri",sans-serif;
        color:#5A5A5A;
        letter-spacing:.75pt;}
p.wp-caption-text, li.wp-caption-text, div.wp-caption-text
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        font-size:12.0pt;
        font-family:"Times New Roman",serif;}
p.meta, li.meta, div.meta
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        mso-margin-top-alt:auto;
        margin-right:0cm;
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        margin-left:0cm;
        font-size:12.0pt;
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p.cbi-b-summary, li.cbi-b-summary, div.cbi-b-summary
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        margin-right:0cm;
        mso-margin-bottom-alt:auto;
        margin-left:0cm;
        font-size:12.0pt;
        font-family:"Times New Roman",serif;}
p.cbi-b-date, li.cbi-b-date, div.cbi-b-date
        {mso-style-name:cbi-b-date;
        mso-style-priority:99;
        mso-margin-top-alt:auto;
        margin-right:0cm;
        mso-margin-bottom-alt:auto;
        margin-left:0cm;
        font-size:12.0pt;
        font-family:"Times New Roman",serif;}
p.mh-meta, li.mh-meta, div.mh-meta
        {mso-style-name:mh-meta;
        mso-style-priority:99;
        mso-margin-top-alt:auto;
        margin-right:0cm;
        mso-margin-bottom-alt:auto;
        margin-left:0cm;
        font-size:12.0pt;
        font-family:"Times New Roman",serif;}
p.post-nav-links, li.post-nav-links, div.post-nav-links
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        mso-style-priority:99;
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        margin-right:0cm;
        mso-margin-bottom-alt:auto;
        margin-left:0cm;
        font-size:12.0pt;
        font-family:"Times New Roman",serif;}
p.p1, li.p1, div.p1
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        mso-style-priority:99;
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        margin-right:0cm;
        mso-margin-bottom-alt:auto;
        margin-left:0cm;
        font-size:12.0pt;
        font-family:"Times New Roman",serif;}
p.p3, li.p3, div.p3
        {mso-style-name:p3;
        mso-style-priority:99;
        mso-margin-top-alt:auto;
        margin-right:0cm;
        mso-margin-bottom-alt:auto;
        margin-left:0cm;
        font-size:12.0pt;
        font-family:"Times New Roman",serif;}
p.story-body-text, li.story-body-text, div.story-body-text
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        mso-style-priority:99;
        mso-margin-top-alt:auto;
        margin-right:0cm;
        mso-margin-bottom-alt:auto;
        margin-left:0cm;
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        font-family:"Times New Roman",serif;}
p.p2, li.p2, div.p2
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        font-size:12.0pt;
        font-family:"Times New Roman",serif;}
p.p4, li.p4, div.p4
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        font-family:"Times New Roman",serif;}
p.texttext3evx1j1, li.texttext3evx1j1, div.texttext3evx1j1
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        font-size:12.0pt;
        font-family:"Times New Roman",serif;}
span.EmailStyle43
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span.style30
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span.updated-wrap
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span.updated-text
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span.vjs-control-text
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span.vjs-current-time-display
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span.vjs-duration-display
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span.link600907a1
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span.pricechangea4e5ebde
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span.percentchange4644dd7b
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span.nenh5bclitmmlhqori6r
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span.z-TopofFormChar
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span.3vdg7tz3nbnbjk7gdr2y2
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span.2ml6cep2ydeajtymouc70a
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span.z-BottomofFormChar
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span.EmailStyle60
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span.is-hidden
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span.sharing-screen-reader-text
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span.gfieldrequired
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span.EmailStyle64
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span.EmailStyle65
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span.EmailStyle66
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span.EmailStyle67
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span.EmailStyle68
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span.EmailStyle69
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span.EmailStyle70
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span.EmailStyle71
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span.EmailStyle72
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span.EmailStyle73
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span.EmailStyle74
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span.EmailStyle75
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span.EmailStyle76
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span.EmailStyle77
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span.EmailStyle78
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span.td-post-date
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span.td-nr-views-217783
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span.EmailStyle81
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span.EmailStyle82
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span.EmailStyle83
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span.EmailStyle84
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span.EmailStyle85
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span.EmailStyle86
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span.EmailStyle87
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span.EmailStyle88
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span.EmailStyle89
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span.EmailStyle90
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span.EmailStyle91
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span.EmailStyle94
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span.s-caption-text
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span.EmailStyle100
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span.il
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span.EmailStyle102
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span.d-ib
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span.cfemail
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span.entry-meta-date
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span.entry-meta-author
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span.entry-meta-categories
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span.entry-meta-comments
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span.post-page-numbers
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span.apple-converted-space
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span.EmailStyle163
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span.EmailStyle164
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span.EmailStyle165
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span.EmailStyle166
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span.EmailStyle167
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span.EmailStyle168
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span.s1
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span.s-meta-published-date
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span.s-meta-views
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span.s-meta-comments
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span.EmailStyle183
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span.EmailStyle190
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span.EmailStyle193
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span.EmailStyle210
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span.EmailStyle211
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span.EmailStyle214
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span.EmailStyle215
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span.EmailStyle257
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span.EmailStyle258
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span.EmailStyle259
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span.EmailStyle260
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span.EmailStyle261
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span.EmailStyle262
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span.EmailStyle263
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span.EmailStyle264
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span.EmailStyle265
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span.EmailStyle267
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span.EmailStyle268
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span.EmailStyle269
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        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle270
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle271
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle272
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:windowtext;}
span.EmailStyle273
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.kindofstory
        {mso-style-name:kindofstory;}
span.EmailStyle275
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle276
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle277
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle278
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle279
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle280
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle281
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle282
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle283
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle284
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle285
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle286
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle287
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.texttext3evx1j
        {mso-style-name:text__text___3evx1j;}
span.EmailStyle289
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle290
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle291
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle292
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle293
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle294
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle295
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle296
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle297
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle298
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle299
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle300
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle301
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle302
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle303
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle304
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle305
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle306
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle307
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle308
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle309
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle310
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle311
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle312
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle313
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle314
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle315
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle316
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle317
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle318
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle319
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle320
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle321
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle322
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle323
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle324
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle325
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle326
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle327
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle328
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle329
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle330
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle331
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle332
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle333
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle334
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle335
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle336
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle337
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle338
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle339
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle340
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle341
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle342
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle343
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle344
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle345
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle346
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle347
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle348
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle349
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle350
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle351
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle352
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle353
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle354
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle355
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle356
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.figcaptioncredit
        {mso-style-name:figcaption__credit;}
span.figcaptioncaption
        {mso-style-name:figcaption__caption;}
span.inline-newslettercopy-header
        {mso-style-name:inline-newsletter__copy-header;}
span.inline-newslettercopy-body
        {mso-style-name:inline-newsletter__copy-body;}
span.endmark
        {mso-style-name:endmark;}
span.EmailStyle362
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle363
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle364
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle365
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle366
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle367
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle368
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle369
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle370
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle371
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle372
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle373
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle374
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle375
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle376
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle377
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle378
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle379
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle380
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle381
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle382
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle383
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle384
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle385
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle386
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle387
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle388
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle389
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle390
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle391
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle392
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle393
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle394
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle395
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle396
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle397
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle398
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle399
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle400
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle401
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle402
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle403
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle404
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle405
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle406
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle407
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle408
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle409
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle410
        {mso-style-type:personal;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
span.EmailStyle412
        {mso-style-type:personal-reply;
        font-family:"Calibri",sans-serif;
        color:#1F497D;}
.MsoChpDefault
        {mso-style-type:export-only;
        font-size:10.0pt;}
@page WordSection1
        {size:612.0pt 792.0pt;
        margin:72.0pt 72.0pt 72.0pt 72.0pt;}
div.WordSection1
        {page:WordSection1;}
/* List Definitions */
@list l0
        {mso-list-id:1669090451;
        mso-list-template-ids:-1004104790;}
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        mso-level-number-position:left;
        text-indent:-18.0pt;
        mso-ansi-font-size:10.0pt;
        font-family:Symbol;}
@list l0:level2
        {mso-level-number-format:bullet;
        mso-level-text:o;
        mso-level-tab-stop:72.0pt;
        mso-level-number-position:left;
        text-indent:-18.0pt;
        mso-ansi-font-size:10.0pt;
        font-family:"Courier New";
        mso-bidi-font-family:"Times New Roman";}
@list l0:level3
        {mso-level-number-format:bullet;
        mso-level-text:;
        mso-level-tab-stop:108.0pt;
        mso-level-number-position:left;
        text-indent:-18.0pt;
        mso-ansi-font-size:10.0pt;
        font-family:Wingdings;}
@list l0:level4
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        mso-level-text:;
        mso-level-tab-stop:144.0pt;
        mso-level-number-position:left;
        text-indent:-18.0pt;
        mso-ansi-font-size:10.0pt;
        font-family:Wingdings;}
@list l0:level5
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        mso-level-text:;
        mso-level-tab-stop:180.0pt;
        mso-level-number-position:left;
        text-indent:-18.0pt;
        mso-ansi-font-size:10.0pt;
        font-family:Wingdings;}
@list l0:level6
        {mso-level-number-format:bullet;
        mso-level-text:;
        mso-level-tab-stop:216.0pt;
        mso-level-number-position:left;
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</o:shapelayout></xml><![endif]--></head><body lang=EN-ZW link="#0563C1" vlink="#954F72"><div class=WordSection1><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=1041 style='width:781.0pt;border-collapse:collapse'><tr><td width=1035 valign=top style='width:776.6pt;border-top:none;border-left:solid white 1.0pt;border-bottom:none;border-right:solid white 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal><span style='font-family:"Verdana",sans-serif'><a href="https://bullszimbabwe.com/"><span style='color:windowtext;mso-fareast-language:EN-ZW;text-decoration:none'><img border=0 width=246 height=120 id="_x0000_i1025" src="cid:image001.png@01D6FBBE.85AC06D0" alt="cid:image001.png@01D6FBBE.85AC06D0"></span></a><o:p></o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr><td width=1035 valign=top style='width:776.6pt;border-top:none;border-left:solid white 1.0pt;border-bottom:none;border-right:solid white 1.0pt;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><a href="http://www.bullszimbabwe.com/"><span style='text-decoration:none'>Bullszimbabwe.com </span></a>      <a href="mailto:info@bulls.co.zw?subject=View%20and%20Comments"><span style='text-decoration:none'>Views & Comments</span></a>       <a href="http://www.bulls.co.zw/blog"><span style='text-decoration:none'>Bullish Thoughts</span></a>       <a href="http://www.twitter.com/BullsBears2010"><span style='text-decoration:none'>Twitter</span></a>        <a href="https://www.facebook.com/BullsBearsZimbabwe"><span style='text-decoration:none'>Facebook</span></a>          <a href="http://www.linkedin.com/pub/bulls-n-bears-zimbabwe/57/577/72"><span style='text-decoration:none'>LinkedIn</span></a>         <a href="https://chat.whatsapp.com/CF6wllAfScU9Wr6dXxoQnO"><span style='text-decoration:none'>WhatsApp</span></a>        <a href="mailto:info@bulls.co.zw?subject=Unsubscribe"><span style='text-decoration:none'>Unsubscribe</span></a></span><o:p></o:p></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif;color:#1F497D'> <o:p></o:p></span></p></td></tr><tr><td width=1035 valign=top style='width:776.6pt;border-top:none;border-left:solid white 1.0pt;border-bottom:none;border-right:solid white 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal><span style='font-family:"Verdana",sans-serif;color:#1F497D'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif;color:#1F497D'> <o:p></o:p></span></p></td></tr><tr><td width=1035 valign=top style='width:776.6pt;border-top:none;border-left:solid white 1.0pt;border-bottom:none;border-right:solid white 1.0pt;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal style='margin-bottom:12.0pt;line-height:105%'><span class=style30><b><span lang=EN-US style='font-family:"Verdana",sans-serif;color:#1F497D'>Entrepreneurship Zone: 25 April 2022 ::  Zimbabwe: From banker to coffee shop owner</span></b></span><span class=style30><b><span lang=EN-US style='font-family:"Verdana",sans-serif'><o:p></o:p></span></b></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif'> </span><span style='font-family:"Verdana",sans-serif'><o:p></o:p></span></p></td></tr><tr><td width=1035 valign=top style='width:776.6pt;border-top:none;border-left:solid white 1.0pt;border-bottom:none;border-right:solid white 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt'></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:10.05pt'><td width=1035 rowspan=3 valign=top style='width:776.6pt;border-top:none;border-left:solid white 1.0pt;border-bottom:none;border-right:solid white 1.0pt;padding:0cm 5.4pt 0cm 5.4pt;height:10.05pt'><h1 style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:9.6pt;margin-left:0cm'><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f">
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</v:shape><![endif]--><![if !vml]><img width=588 height=449 src="cid:image004.jpg@01D85882.B443E1D0" align=left hspace=12 v:shapes="Picture_x0020_5"><![endif]><span style='font-size:11.0pt;font-family:"Verdana",sans-serif'><span style='color:#555555'><o:p></o:p></span></span></h1><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white'><strong><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>A 43-year-old banker has helped reimagine what it means to grab and enjoy a cup of coffee on the go in Harare, with his mobile coffee business, Zimbarista.</span></strong><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'><o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>It’s shortly after 8am on a Tuesday, and there’s a constant stream of gym-goers and commuters making their way towards a mobile coffee truck parked at a service station in Rolf Valley, an upmarket suburb in Harare.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>The unit’s barista, Simbarashe, greets the customers with a smile and, for some, prompts their orders as they approach the truck. One woman drops off a metal flask, asking that it be filled with her “usual”.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>This energy and culture are replicated in nine other locations in Harare, where Zimbarista coffee units operate, a culture instilled by Tungamirayi Musungwa, founder and owner of the business.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>About two decades ago, life looked a lot different for the entrepreneur, now 43, who then worked a comfortable “nine-to-five” job as a branch manager for a bank.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>However, celebrating a colleague’s work anniversary made him rethink his life’s trajectory.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“We had just celebrated my colleague’s 35th anniversary with the bank, and at the time, I was about 27. And I thought to myself, ‘wow, how is it he’s been here longer than I have been alive?” Musungwa, who had by then worked for the bank for nine years, recalled.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“This could become my life too.”<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>That was the moment, Musungwa realised he didn’t want a 10-year anniversary at the bank.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>Owning a home and a car by the age of 23, Musungwa’s life was certainly nothing to sneer at. And yet he feared that the “rat race” would swallow him, and that one day, he would look back at his life and not have much to show for it.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>So he started taking steps to transition from life in the bank.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>First, off, he embarked on a hunt for a contingency plan. He scouted for business opportunities, looking for a gap in the market that he could fill.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>With a one-year-old baby in the home in 2007 – a year of economic devastation – and no baby items on the shelves in Harare, Musungwa already had a taste for trade. “Twice a month, on a Friday, after work at 4pm, I would get on a bus to South Africa. I would get there on Saturday morning, go to the shops, be back at the bus stop by about 2pm. By Sunday morning, I’m back in Harare,” he said.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“I would bring baby food, diapers, certain milk for lactose intolerant children, and things like that,” he continued.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>Before long, Musungwa had accumulated a relatively decent number of people looking for a product on a daily and weekly basis. However, he realised that as the economy improved, the demand for supplies brought over the border would dwindle and could not sustain him, full-time. It was at this point that he ventured into the construction business – which is how he came to coffee.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>While interacting with the owners of a landscape business at one of the construction sites, Musungwa was presented with an opportunity to buy a coffee shop.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“They said ‘if you know someone looking to buy a coffee shop, we are selling one at the place we operate from’, and I said ‘let me come and see it,’” he said.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>In 2009, after a conversation with his wife, Musungwa and his family bought the shop and officially became coffee business owners, despite knowing nothing about coffee.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“I’m in the place of trying things, so I’m not going to know anything if I don’t try anything,” Musungwa explained.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“We sold a stand (property) that we had in Chishawasha Hills and bought the place,” he continued.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>Musungwa ran the business for two years before deciding to take on another challenge, this time in farming. But before he could get going, a group of friends approached him with a different proposal. His friends were looking to start a coffee shop and were looking for someone with knowledge of running a coffee shop to partner with.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“In my mind, I was like, ‘coffee again?’ At the same time, I thought, ‘I’m coming out of this situation, so I guess I could just help them in the meantime,’” he said.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>Musungwa was asked to attend an on-the-job training with Seattle Coffee Company in Johannesburg, South Africa. There, he experienced another life-defining moment.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“I get into Hyde Park Seattle, one of their bigger branches, and my mind was blown,” Musungwa recalls.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“The coffee culture in South Africa was very different from the coffee culture here,” he explained.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>Musungwa observed that the coffee culture in South Africa was ‘hey, let’s meet up for a coffee, it’s a relaxed environment,’ he explained.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“This was so different from the culture in Zimbabwe, which was ‘I need my fix, and I’ve got to be back on the road.’”<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“There were long queues of people, and the coffee had to be done fast – in the shortest time possible,” Musungwa continued.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“They are paying top dollar for it; I saw latte art being drawn with milk, freehand, and I thought to myself, ‘I don’t know what I was doing for the last two years,’ it was a total mind shift,” he explained.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>Musungwa returned to Zimbabwe with his newfound knowledge and co-founded a coffee business, Freshly Ground, determined to do things differently.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“We did extremely well, and the business grew; we ended up opening one or two other outlets,” Musungwa said.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“I managed Freshly Ground for about four and a half years before I finally left.”<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>Musungwa was up for the next challenge, now confident that he was onto something with coffee.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“There had already been things on the horizon that I had begun to see. Things like the emergence of international brands coming in,” Musungwa explained.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“I just thought, with the pressure of all these coffee shops opening up, and with people having options of where to go, your market share will eventually suffer; I thought, ‘how do you stay ahead of that?’ Convenience came up,” he said.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>According to Musungwa, people are leaning more toward convenience, in a world where people order online and things arrive at their doorstep.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“How about we make the coffee more mobile, rather than waiting for people to come to us? How about finding out where people are already meeting and interacting – and occupying those spaces?”<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>To answer these questions, Musungwa founded Zimbarista, a mobile coffee business serving teas and a variety of espresso-based coffees and quickly identified schools as a market where parents and guardians gather for school drop-off, as well as at corporate events. The business started to grow.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“Slowly but surely, we began to open more and more outlets,” he explained.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>At its peak, Zimbarista had 12 outlets and a shop in a vintage VW bus.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“The bus was brilliant because of its vintage feel; it lends itself to many weddings. It’s got a whimsical sort of feel to it,” Musungwa said.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>However, due to the effects of the Covid-19 pandemic, Musungwa was forced to cut down to 10 outlets, with four operating as mobile units and the rest as fixed outlets serving coffee within another business.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>Training has also become a big part of the work of Zimbarista, with the company hosting monthly barista training sessions.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“We offer various training programmes from entry level barista training to those who want to operate more out of a coffee shop, and that includes putting them in the units we operate for hands-on experience,” added Musungwa.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>Musungwa has now trained about 53 baristas, including Janie Duffy, a customer who took the course to enhance her own business.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“The best part of the course was practicing the process of making coffee – from grinding the beans, calibrating the coffee machine, creating the right temperature and texture of milk to pouring a pattern on top of the coffee,” Duffy told <em><span style='font-family:"Verdana",sans-serif'>bird</span></em>.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“I’m confident to serve a good coffee and supervise and monitor my baristas at Ultimate Fun, the popular family activity centre in Eastlea,” she added.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>In the future, Musungwa hopes to include more training sessions, open Zimbarista branches across Zimbabwe and roast and sell his own coffee beans.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>Coffee remains a key passion.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“I love talking about coffee, I love teaching it, and I love seeing people go from not knowing and understanding to now making it, doing it themselves in the same way I was trained at Seattle,” Musungwa said.<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white;box-sizing: border-box;font-size:0.975rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'>“I love to see people get it, and suddenly they are soaring with it, and now they’ve found something they can go ‘hey, that’s a passion for me’,” he added.-Howwemadeitinafrica<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D;mso-fareast-language:EN-ZW'><img border=0 width=800 height=534 id="Picture_x0020_2" src="cid:image006.jpg@01D85882.B443E1D0" alt="Tungamirai Musungwa (front), founder of Zimbarista, and a staff member Simbarashe next to one of his mobile coffee trucks stationed in Rolf Valley, Harare, Zimbabwe."></span><span style='color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Tungamirayi Musungwa (front), founder of Zimbarista, and a staff member Simbarashe, next to one of his mobile coffee trucks stationed in Rolf Valley, Harare, Zimbabwe.<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>By Tatenda Kanengoni, bird Story Agency<o:p></o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Verdana",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:black'><o:p> </o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:23.4pt;margin-left:0cm;background:white'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-family:"Verdana",sans-serif;color:#1F497D'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:10.05pt'><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:10.05pt'><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:10.05pt'><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:10.05pt'><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:10.05pt'><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:10.05pt'><td width=1035 valign=top style='width:776.6pt;border-top:none;border-left:solid white 1.0pt;border-bottom:none;border-right:solid white 1.0pt;padding:0cm 5.4pt 0cm 5.4pt;height:10.05pt'><p class=MsoNormal style='line-height:105%;background:white'><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Invest Wisely!<o:p></o:p></span></p><p class=MsoNormal style='line-height:105%;background:white'><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Bulls n Bears <o:p></o:p></span></p><p class=MsoNormal style='line-height:105%;background:white'><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'> <o:p></o:p></span></p><p class=MsoNormal style='line-height:105%;background:white'><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Cellphone:     </span><span style='font-family:"Verdana",sans-serif'><a href="tel:%2B263%2077%20344%201674" target="_blank"><span lang=EN-US style='color:windowtext;text-decoration:none'>+263 77 344 1674</span></a></span><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:105%;background:white'><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Alt. Email:      </span><span style='font-family:"Verdana",sans-serif'><a href="mailto:info@bulls.co.zw"><span lang=EN-US style='color:windowtext;text-decoration:none'>info@bulls.co.zw</span></a></span><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>  <o:p></o:p></span></p><p class=MsoNormal style='line-height:105%;background:white'><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Website:        </span><span style='font-family:"Verdana",sans-serif'><a href="http://www.bullszimbabwe.com"><span lang=EN-US style='color:windowtext;text-decoration:none'>www.bullszimbabwe.com</span></a></span><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'> </span><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:105%;background:white'><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Blog:           </span><span style='font-family:"Verdana",sans-serif'><a href="https://bullszimbabwe.com/category/blogs/bullish-thoughts/" target="_blank"><span lang=EN-US style='color:windowtext;text-decoration:none'>www.bullszimbabwe.com/blog</span></a></span><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:105%;background:white'><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Twitter:         @bullsbears2010<o:p></o:p></span></p><p class=MsoNormal style='line-height:105%;background:white'><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>LinkedIn:       Bulls n Bears Zimbabwe<o:p></o:p></span></p><p class=MsoNormal style='line-height:105%;background:white'><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Facebook:     </span><span style='font-family:"Verdana",sans-serif'><a href="http://www.google.com/url?q=http%3A%2F%2Fwww.facebook.com%2FBullsBearsZimbabwe&sa=D&sntz=1&usg=AFQjCNGhb_A5rp4biV1dGHbgiAhUxQqBXA" target="_blank"><span lang=EN-US style='color:windowtext;text-decoration:none'>www.facebook.com/BullsBearsZimbabwe</span></a></span><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Skype:         Bulls.Bears <o:p></o:p></span></p><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><img border=0 width=278 height=110 id="_x0000_i1027" src="cid:image005.png@01D6FBBE.85AC06D0" alt="cid:image005.png@01D6FBBE.85AC06D0"></span><span lang=EN-US style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;margin-left:36.0pt;line-height:115%;background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:10.05pt'><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr><td width=1035 valign=top style='width:776.6pt;border-top:none;border-left:solid white 1.0pt;border-bottom:none;border-right:solid white 1.0pt;background:#1F497D;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr><td width=1035 valign=top style='width:776.6pt;border-top:none;border-left:solid white 1.0pt;border-bottom:none;border-right:solid white 1.0pt;background:#1F497D;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal><span lang=EN-US style='font-size:8.0pt;font-family:"Verdana",sans-serif;color:white'>DISCLAIMER: This report has been prepared by Bulls ‘n Bears, a division of Faith Capital (Pvt) Ltd for general information purposes only and does not constitute an offer to sell or the solicitation of an offer to buy or subscribe for any securities. The information contained in this report has been compiled from sources believed to be reliable, but no representation or warranty is made or guarantee given as to its accuracy or completeness. All opinions expressed and recommendations made are subject to change without notice. Securities or financial instruments mentioned herein may not be suitable for all investors. Securities of emerging and mid-size growth companies typically involve a higher degree of risk and more volatility than the securities of more established companies. Neither Faith Capital nor any other member of Bulls ‘n Bears nor any other person, accepts any liability whatsoever for any loss howsoever arising from any use of this report or its contents or otherwise arising in connection therewith. Recipients of this report shall be solely responsible for making their own independent investigation into the business, financial condition and future prospects of any companies referred to in this report. Other  Indices quoted herein are for guideline purposes only and sourced from third parties.</span><span lang=EN-US style='font-size:8.0pt;font-family:"Verdana",sans-serif'><o:p></o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr><td width=1035 valign=top style='width:776.6pt;border-top:none;border-left:solid white 1.0pt;border-bottom:none;border-right:solid white 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal><span lang=EN-GB style='font-size:8.0pt;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr><td width=1035 valign=top style='width:776.6pt;border-top:none;border-left:solid white 1.0pt;border-bottom:none;border-right:solid white 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal><span lang=EN-US style='font-size:8.0pt;font-family:"Verdana",sans-serif'>(c) <span style='color:#1F497D'>2022</span> Web:</span><span style='font-size:8.0pt;font-family:"Verdana",sans-serif'><a href="http://www.bullszimbabwe.com"><span lang=EN-US style='color:windowtext;text-decoration:none'> www.bullszimbabwe.com </span></a></span><span lang=EN-US style='font-size:8.0pt;font-family:"Verdana",sans-serif'>Email: </span><span style='font-size:8.0pt;font-family:"Verdana",sans-serif'><a href="mailto:info@bulls.co.zw"><span lang=EN-US style='color:windowtext;text-decoration:none'>info@bulls.co.zw</span></a></span><span lang=EN-US style='font-size:8.0pt;font-family:"Verdana",sans-serif'> Tel: +263 4 2927658 Cell: +263 77 344 1674<o:p></o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr><td width=1035 valign=bottom style='width:776.6pt;border-top:none;border-left:solid white 1.0pt;border-bottom:none;border-right:solid white 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr></table></div><p class=MsoNormal><span lang=EN-US style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></div></body></html>