London’s Lonely Unicorn: Two Frugal Expats and Their Billion-Dollar Startup
bloomberg.com
bloomberg.com
That said, the world is full of wildly successful companies that just executed well on not very revolutionary ideas, and they provide real value that was largely absent before they grew to prominence. Sometimes it's not about doing something new, it's about doing it well, or doing it in a way that allows more people access.
The only problem I see with this specific business model: As soon as enough people use it, this method of transfer will be the norm and all the big banks will offer it too, thereby invalidating the justification for the existence of the new players. (Mind you, still a great win for the customer!)
Yes exactly what I was thinking. But by that time Transferwise could be a reputable brand with lots of customers so they could pivot to offer other financial services.
You ever check out the OS your bank is running?
And while I have not worked in the banking sector myself, lots of my friends did - and it was not cobol. They are catching up and they all know that their mainframe sw is dated and act upon it.
I don't think the "quality" of the tech is of any relevance here.
EDIT: Well, I actually know some guys who bit the bullet and learned cobol when they were just turning 20. By the time they turned 30, they did not have to work anymore.
And if it was, personally, I wouldn't have a problem as a customer.
Does it matter? I don't care what Fidelity, Vanguard, etc run under the hood, I have no loyalty nor switching costs.
Vanguard's interface is garbage, plain and simple, but they have the lowest cost index funds; I'd use paper and pen to correspond with them if necessary. I moved from Betterment, who has a very delightful iOS app and web interface, because the fees were lower at Vanguard.
being passionate about things that nobody wants, and disrupting things nobody cares about will get you nowhere. a low margin grocery store fulfills a need and thats why they are everywhere.
I freely give every single idea (some actually valuable!) I've ever had away for free. Because I know if someone is better at implementing it than I am, they are the ones who provided the world value. Not me for dreaming it up and then doing nothing about it - there are millions of me's, and ideas without execution are not interesting.
>I freely give every single idea (some actually valuable!)
A solid contradiction ;) But I understand your intentions.
I've done the teeth pulling NDA and noncompetes with a lot of people, just so they would tell me their original idea that I'm contractually bound not to copy for a limited time in a limited geographic area or tell anyone about. And I realized how unoriginal all of them are. If they weren't so concerned about people copying their idea they would have gotten feedback on it a lot sooner for the simple answer of "Hey, Spotify does this already, did you check the menu options?" running completely counter to their market research and conclusion that "nobody" is doing this and its "huge".
I am getting at least 2-3 of them ( meaning, companies in Ukraine ) per month.
I'm very interested in Eastern European developers, they seem to get shit done and rarely complain.
Total aside: As an Eastern European emigrant, I don't really mind being characterized as hard-working and rarely-complaining. I like to think it's true.
If you don't complain when you see something wrong, e.g. a bad design choice - then you're basically a yes man (or yes woman), and you're only useful to companies who are either already perfect, or who don't want your help to do better. The first does not exist and the second would be a crap place to work.
This is further compounded by the fact that, as developers, we are terrible at recognising our worth and speaking up. Doesn't help that you are conditioned into an inferiority complex constantly reinforced by a ridiculous interview process.
Marx theorised that instead of seeing the people behind transactions, rather we focus solely on the trade itself, the commodities involved. This is a simplification of the theory of commodity fetishism, so to say that commodities are fetishised by focusing on one particular aspect of the product rather than the whole web connecting the products, buyers, sellers, labourers etc.
And actually, developers are merely capital. Their labour time is purchased, just as the computer is purchased, or the loom or silk or bale of cotton. It's simply a transaction which is factored into all the other costs, there's nothing special about labour.
From Wage Labour and Capital:
>Consequently, it appears that the capitalist buys their labour with money, and that for money they sell him their labour. But this is merely an illusion. What they actually sell to the capitalist for money is their labour-power. This labour-power the capitalist buys for a day, a week, a month, etc. And after he has bought it, he uses it up by letting the worker labour during the stipulated time. With the same amount of money with which the capitalist has bought their labour-power (for example, with two shillings) he could have bought a certain amount of sugar or of any other commodity. The two shillings with which he bought 20 pounds of sugar is the price of the 20 pounds of sugar. The two shillings with which he bought 12 hours' use of labour-power, is the price of 12 hours' labour. Labour-power, then, is a commodity, no more, no less so than is the sugar. The first is measured by the clock, the other by the scales.
I'm willing to pay top dollars if I could but right now I need to make my bootstrapped stuff stretch with every dollar. Once you take the helm of a business, it's painfully clear how expensive hiring people is.
I'm trying to build something like Patreon for open source developers where you get paid to work on open source projects the community requests.
I am actively trying to help people get paid, there's not much money that goes into my pocket, I'm doing this because I believe that 1) Open source is going to eat commercial software 2) Developers should be able to easily find side income or full time income without having to drive their wages to the floor on freelancer websites.
I've hired people from Ukraine, Romania before and they were every bit as good if not better in some aspects. The cost of living there is different and the USD goes a long way in many parts of the world.
I also think it's great to give people meaningful work all over the world, especially in places where they are rare due to structural economic issues.
But what really surprises me is that it got to where it is at all. If you look at it, their business model is not revolutionary. Their prices are not cheaper than for example UKForex (OzForex), who provide the exact same service, and were around years before.
The business is simply a click interface for exchanging money; you send in your currency, and they send in the agreed amount to the other side. The price difference between these shops is minimal.
It could not be simpler. I've traded currencies as a professional, there's not a whole lot of other steps behind the scenes.
But I doubt most people have heard of UKForex. Transferwise however are on billboards everywhere, acting as though they invented the idea of swapping one currency for another. And acting as though you are cutting out the middle man, which you are not. You still need a bank.
Well played to them though, it seems they've used some of that startup hype attitude to get themselves a nice little business.
Very English, very effective.
If I want to convert 1000 EUR to USD, the number one thing I care about is how many USD I will get for my EUR.
The front page of Transferwise has a giant input right at the top of the page that tells me exactly how many USD I will get, and tells me that rate is guaranteed for 48 hours.
The front page of UKForex has a much smaller input, and it's "market rate" - if I want to find out how many USD I will actually get, I have to register and create an account.
This is just one example, but it speaks to my whole experience of Transferwise vs. other foreign exchange providers. The user experience is best-in-class.
> They even give you a volume discount if you ask for it.
Just contact support? How much volume do they look for?I'm struggling moving USD -> GBP, hitting the daily ACH limits & frustrated that the creaky US banking system doesn't have a better interbank transfer system than wiring funds for tens of dollars a pop (and presenting a physical form).
I used transferwise in November to move money to Japan.
The exchange rate applied was the actual fucking exchange rate. I paid Transferwsise a couple of quid.
Worth every fucking penny. Worth swearing. Use Transferwise.
I transfer my entire salary from USD to EUR every year so I definitely want to get the best rate.
I am a very happy Transferwise user. I used to always check the exchange rate on xe.com, then switch to Transferwise to compare before transferring. Now I don't bother, because Transferwise has always been very close to the spot rate.
it's like asking what's the world price for a tuna sandwich, there's a few million places you could buy one, and they all have a different price
A common occurence these days, with the rapid rate of innovation. It's like we're missing some efficient product discovery tool.
Types 'https://www.producthunt.com' into a browser.
However, you could have just answered the question. Unless there's a /s i didn't see somewhere on the parent posts...
Q Television Channel - Informercials 24/7
I'm not really that impressed with their results. It's more like popularity based marketing channel(what's with all those videos ? ), because of the lack of good search and deep metadata. Heck many products don't even have a rich, textual description. It's almost like aggregating product reviews from relatively unbiased sources(unlike the cesspool that Amazon has become), and filtering by depth and building a decent search around them and a good community would work better. Than after all this, a video would be very useful.
Ah, and one more thing - try to filter out the bullshit apps, the ones without much value on product hunt. "A dating app where you can only date 1 guy"? and other stuff like that. Sorry but i have much better ways of wasting time.
But let's think about an ideal service. Such a service would have 2 forms:
1. It gathers in some form, all the "jobs" i need to do, and how well they are done today, and how much i pay for them - and than from time to time offers me concrete recommendations how to improve my life: "you could save $X each month , if you'll use this new money transfer startup". Or "you could use this recipe book, to save a lot of time and get similar level of food you're making now". etc.
Amazon does that to some extent, but it has still has some ways to go.
2. Another successful mechanism is create a RICH and DEEP tagging system for each product and search/browse through those tags - jinni.com once did it for movies - and it was a phenomenal movie discovery tool. Far better than anything we have today.
Of course, ideally such tool should also include a price comparison mechanism, and maybe "performance levels" per each relevant performance dimension, kinda like the one you get in digikey, the electronic component store, where you can select chips by speed, power,etc.
The question is, how to get there, and how close it's possible to get?
For #1, this pretty much requires human curation/submission to accurately gather the vendors for each process you might outsource.
For #2, Rich, quality tags that provide a near complete representation of feature sets requires human intervention or a substantial crawl with NLP+ranking algos on par with Google.
The closest that really exists is:
http://alternativeto.net/software/server-density/
http://alternativeto.net/software/sentry/
> Of course, ideally such tool should also include a price comparison mechanism, and maybe "performance levels" per each relevant performance dimension, kinda like the one you get in digikey, the electronic component store, where you can select chips by speed, power,etc.
> The question is, how to get there, and how close it's possible to get?
An AlternativeTo clone with a focus on tagging features/performance dimensions, having people rate those individual dimensions, and submit prices would likely work. The only problem is the incentive for people to:
A) Switch
B) Be that detailed.
C) Avoid it becoming a popularity contest like ProductHunt & AlternativeTo are at present.
I remember a post made not long ago by the HN admins themselves where they said they'll try to reduce the political posts.
So far, it's not working out.
'dang summarized the results of the detox week and has made some recent comments on it as well. Here are some, with some identifiable snippets only so it's not a list of links. I encourage you to read the comments themselves. They don't all directly address this, but I think they all shed some light on the topic.
---
https://news.ycombinator.com/item?id=13516969
There's no satisfying anybody about this: not the readers who want more politics, not the readers who want less, and certainly not the partisans on an issue.
---
https://news.ycombinator.com/item?id=13522433
There's a lot more politics on HN right now than there usually is, which is appropriate since it reflects what's going on right now.
---
https://news.ycombinator.com/item?id=13516969
When there's a deluge of political stories, as in the last couple days, users heavily flag most of them. But there have still been plenty of major threads spending plenty of time on the front page. That's the status quo for HN: most politics are off topic, but not all. It's a delicate balance and an important one. Letting politics overrun this site would kill it.
---
https://news.ycombinator.com/item?id=13463480
On downsides of the Political Detox Week experiment: there are two comments in the thread.
I am not in an extreme position -- namely to deny that political posts don't have any relevance. That's not true. But I feel those discussions have either rarely been productive, or have way too many comments for somebody to extract a useful gist, or both.
Nobody else comes close in terms of exchange rates and level of service.
Thanks
For larger transfers (ie above £5k/$6k) you have a slew of them; Global Reach Partners, Moneycorp, World First, and Rational FX to name a few.
Disclaimer: I am a co-founder of CurrencyTransfer.com, an aggregator of some of the above larger transfer companies.
On average I send between 500-1000 GBP to USD per month on Transferwise and pay 2.50 - 5 GBP in fees. Compared to a wire at a bank that charges 30 GBP fixed + a % on a sliding scale depending on the amount, it's not really competitive until you get over 10k per transaction. But then at that point you can contact TransferWise customer service to negotiate a better rate.
The two turned out to be nothing alike. Oanda used to let little people convert currency on the same platform as proper FX traders (speculators). This meant you could pay a tiny fee and get some of the most competitive rates in the world because you were trading directly in their two-sided market.
WorldFirst is different. They make you declare the amount you want to exchange and then they synthesize a rate that expires soon after. There is no way to put in an order at a specific price and they do not show you a two-sided quote which would make it plain how much they're taking.
From what I saw, WorldFirst aims to take about 1.5% of each side of each trade at the when they are large, and even more on small trades.
If you're exchanging $500 you may as well use a bank. If you're exchanging $50000 you may as well use a true trading platform.
When exchanging currency at any online or physical marketplace, look at their two-sided quote to see the spread they charge. If they try to show you only one side (buy or sell but not both), go elsewhere.
For there idea to work they need to get money transferred into all directions...
They had Nigeria as a supported country. But they removed it (sadly)
But money was probably transferred only one direction. So they lost money.
I am a Nigerian and I consider this an unpardonable failure of basic market research. If they had spent a quality hour of their time investigating the Nigerian market, they would have found out that inflow overwhelmingly dwarfs outflow.
Makes you wonder what their decision making methodology is
That's a very good idea.
I'm not even sure if he's a prince.
This site seems to break it down: https://norbertsgambit.com/
I've used TransferWise for over $8K and think the service is fantastic. I wouldn't touch this with a ten foot pole and my git is screaming "scam!"
If you pay $20 in fees + spread for 2 trades, that'll be the cost of the conversion. For a $10k conversion, that's 0.2%. Unless you're suggesting that a money market ETF is prone to manipulation, your brokerage is going to scam you, or you don't like to deal with taxes on your stock purchases/sales, there isn't much drawback other than time. The larger the amount though, the more it'll potentially be worthwhile.
More info about this: http://www.theglobeandmail.com/globe-investor/norberts-smart... http://canadiancouchpotato.com/2013/12/03/norberts-gambit-th... http://www.finiki.org/wiki/Norbert's_gambit
And you base that on....? Why do people search for injustice?
-MLK
[0]: https://www.africa.upenn.edu/Articles_Gen/Letter_Birmingham....
The left is huge.
They're intended for young people & the stay is between 6 months & 2 years.
In that context 'expats' is used for temporal residence in foreign countries with no intentions to be made permanent. It's mostly intended for young people to travel around, not much for the financial benefit.
So in my understanding it's the intentions which define, not skin color / continents.
PS. The written above is a definition from my personal point of view :)
https://www.theguardian.com/global-development-professionals...
http://www.forbes.com/sites/jnylander/2015/04/03/in-china-wh...
Expat implies an intent to return or a temporary worker and is a frequently used term in the middle east/asia. E.g https://www.bloomberg.com/news/articles/2016-12-25/expat-fee...
Not everything has to be viewed from an SJW angle
There's also a service called PeerTransfer for foreign tuition payments that essentially aggregates outgoing payments, and buys forex in bulk.
Another cool development in the area is Visa (The Card issuer) opening up their APIs to allow direct Card-Card transfers like with Square Cash when they just started out. Barring regulatory hurdles, this method (Card-Card transaction using the Visa/MasterCard/Amex network) is probably the most efficient way of sending money across currencies.
PS: Sorry, no source for the numbers but my own experience in Northwestern Africa.
I regularly move money between Euros and Pounds Sterling, sometimes into Australian dollars too. These are typically not large monetary amounts, maybe up to a few thousand Euros, but often just a couple of hundred.
I haven't specifically counted, but I gueas I've made around 25 transfers with Transferwise. Compared to using banks directly, and even other "traditional" Forex services over the last 16 years, Transferwise is fast and very low friction.
I did have to verify my identity once my transfered totals had exceeded £15k, but that has been the only delay. They just do a very, very good job.
Having family stranded overseas by this billion-dollar unicorn left a really bad taste in my mouth. The worst part was being left with absolutely zero recourse for the thousands of dollars that they were just holding on to for weeks without any contact with us. If you don't want to serve us because of some bizarre, hallucinatory conspiracy, fine, but don't hold onto the money for weeks in the interim without an explanation.
I applied for a position as a software dev there a few years ago through a friend. I hated every single moment of it.
It was like they exported the very worse from Silicon Valley's bullshit start-ups attitude. They just couldn't shut the fuck up about how they were really changing the world (yeah right), how awesome it was to work 60 hours a week for such a great Vision, how sick their (mandatory) team-holidays were, how everything and everyone was so siiiick here, mate.
I did all the rounds up to the one with the VP of Engineering who asked me to code FizzBuzz on a whiteboard (no kidding) and then spent the rest of the hour bragging about how last week he had turned down an "amazing engineer" (his words) because he wasn't "cool enough" to be one of them. You know, he was a bit of a loser, mate.
It really felt like a cult of ego-obsessed people with some narcissistic disorder; even worse, it felt like everyone was lying.
That said I'm sure there are a lot of nice people who work there, this is just my experience so take it with a grain of salt. The product is also good, I used it a few times myself.
But to be honest, they do have a very noble goal and they have reason to be proud of it. Poor people all over the world are constantly pouring money into Western Union and banks for this seemingly trivial service.
LOL
they ain't no charity, their goal is to make $$$, period. Incidentally they do so in a way that is also good for their customers, but that's nothing more than a nice coincidence.
We're all grown ups, I don't need to be sugar coated with all the "we're making the world a better place" nonsense. But no, these people want you to believe in their damn dream, as if working 5 days a week to make them rich wasn't enough already. That's true for many companies out there, not just TransferWise.
Also, mocking former candidates because they aren't cool enough is objectively a shit culture in my book, eh.
I was using Xoom (https://www.xoom.com) at the time, which had a brand image of a trustworthy and cut-the-bullshit kind of financial company.
TransferWise's subway ads focused on a people's revolution: http://l3.yimg.com/bt/api/res/1.2/Rjm3dY.BU5FmdQmId3yj1w--/Y... or http://i.telegraph.co.uk/multimedia/archive/03525/TransferWi... are two examples.
Another thing that threw me off is how needlessly technologically-heavy their website was at the time: Javascript front-end app with big animations and the unavoidable browser-incompatibility bugs it created back then (you refresh the page and it redirects to the root page for instance).
Anyway, I tried it once and had slightly better rates than Xoom, enough to convince me to go through their bullshit to save some money on large transfers, but I almost kept using Xoom because of how much I didn't like Transferwise's image.
All that to say: I'm not surprised by your interview experience, it perfectly matches what I assumed from their team.
Heck, they even got you, and you hated their marketing!
There are an awful lot of people that really loath banks.
They could have gone straight to the point: "Better international transfer rates than your bank" and I'd have been very happy with it. The service is good!
I agree that a VP in a late stage interview should not be asking this of the candidate, but I will say that I recently had to hire a new team member, and FizzBuzz helped me to immediately weed out the candidates during the initial interview. I'm talking like 50% of the candidates, and one guy even asked if he could take it home and send me the code. Another acted like I was asking him to produce something for the company for free, before even reading the three lines of requirements, and then tried to back peddle when he did read them - of course, I was already holding the interview room door open for him by that time. All told, a FizzBuzz test in the initial round saved hours of my (and their) time.
1) Incorrect ordering of output "Buzz Fizz"
2) Printing only Fizz or Buzz for 15.
3) Starting at a number different to 1 (say 0)
4) Off by one error at the end (going to 99, instead of 100)
5) Forgetting to print out the number when neither Fizz nor Buzz is output (first output is Fizz for 3)
6) Always printing out the number. (3 Fizz)
and that's the people who can code at all.
Then you get people who can't code, and can't even produce a for loop.
Oh and extra points for arguing about the solution being correct, particularly after prompting that there is a bug "Is it correctly dealing with 15?" is a pretty huge hint that there's a bug.
It made realize that I've made all of these mistakes on tasks similar in complexity of Fizzbuzz. I write a lot of scripts in different languages some of them quite domain specific.
Why do I make mistakes? Most of time the mistakes stem from the fact that I do not have to get it right the first time and I may have misread the specifications. As Hemingway said: "The first draft of anything is always shit"
So take 1000 applicants who can code but are in a stressful situation and I would not be shocked that there would be 50 mistakes on something so seemingly trivial.
The FizzBuzz test exists to quickly filter out candidates who really cannot code at all, despite what they say in their CV, what jobs they have done in the past, or what courses they have passed.
If you can show that yes, you understand what for loops and if statements are, and can write 10 lines of code roughly correctly, the test is passed and the interview can continue with more interesting questions.
If no, then it saves everyone time to just cancel the interview.
Another interesting data point was that only 2 of the 10 candidates had ever heard of FizzBuzz. That surprised me more than anything else.
Another interesting data point was that only 2 of the 10 candidates had ever heard of FizzBuzz.
This is a good indication that the exercise is testing culture, rather than programming ability.Having said that, we tend to pair program for our interviews. Our current interview system is to do a quick telephone interview and then follow up with a 4 pomodoro pair programming session. Usually we ping pong and offer to drive first so that the candidate has a chance to settle in. Generally we TDD a fun kata.
I've been surprised at how effective this is. For the people we've hired recently, the programming session really shows what the person is like to work with (to be fair, we actually pair program on most work so it is easy to judge the effectiveness of the hiring system). Apart from that initial telephone screening, we've dispensed completely with formal interview questions because more than anything it was biasing us away from hiring people with qualities that we cared about (being able to program, being able to pair, being able to TDD).
I've had the experience of cutting interviews short before, when it was obvious that the candidate was well out of their depth. We've stopped doing that. We go through all 4 pomodoros with each candidate. Even if we are sure it's a poor fit, it's important to give something back to the candidate who has taken time out of their day to come and visit. It sometimes turns into a 2 hour coaching session, but that's fine. Hopefully it helps the candidate sometime in the future.
It's kind of expensive, but trying to have an interview system that leaves a positive feeling should eventually lead to a good reputation in the industry. That, in turn, should make recruiting easier/cheaper. If you leave the impression, "those people are awesome -- I really want to work there", then it's worth the added expense, I think.
I'm still trying to reconcile this with my own experience at work. I work for a university department, and hire student employees. Zero people have ever failed our fizzbuzz question on the interview, while it was on there.
You would think that post graduation there would be a _lower_ number of degree holders who can't code.
I think that there are a good number of people who manage to float through life, never really producing anything, just claiming to be idea men, or appearing busy but never quite delivering, or …
Even if they did once know how to program, it's conceivable that they've forgotten.
Or perhaps your university is just good? :)
[http://www.techworld.com/news/startups/transferwise-leads-na...
Nah, they just paid a bunch of random guys to pretend to be hysterically excited about low-fees bank transfers. [0]
Were you impressed by anything at TranferWise? Their security and stability? Maybe their confidence comes from top-notch engineering skills?
My intention wasn't to discredit their product or the article, but to offer a (hopefully interesting) "insider view" on a certain kind of culture.
It was really clear with the Ferrari in an apartment story I linked where a family member actually could vouch for the published article.
I see such instances as examples of what good can come of a balance.
Not trying to down-play your experience, thank you for sharing, just providing my own experience.
"In April, after New Hampshire’s banking department cited TransferWise for operating in the state for a year without meeting money-transmitter regulations, the company agreed to pay a penalty equivalent to the fees it had earned during that time. (The startup has since begun offering its services in the U.S. through a partnership with a fully licensed bank, New York-based Community Federal Savings Bank, and has obtained its own money-transmitter licenses in many states.)"
I was given extra checks to make before my first transfer, since I was paying into an unusual type of account.
Imagine a company built around some service for expatriates in Britain closed their series A and their series B was happening sometime around/after Brexit. I guess that would be down round territory?
Possibly the lowest revenue to valuation ever?
1. type in company name or part thereof
2. select it from the list
3. click the "people" tab and see if you recognise any names from the article or whatever (this can be helpful if there were several likely-looking results)
4. click "filing history" and download the accounts and annual return (with list of shareholders)
Most of the time this isn't actually very interesting, but if you're being nosey, there's no reason not to. (The reduced accounts you have for small companies (turnover < £15m, something like that...) are usually particularly unilluminating, though some of the figures can be suggestive and the shareholders list may be interesting.)
In my country (Macedonia) these reports on private held companies can be given after 2 fiscal years & you have to pay for them per company searched.
I'm very curious to see what's the case in other countries on this topic :)
And this is how it spectacularly imploded 5 years from now.
I hope for their sake they have someone who knows what they're doing running that department and hedging appropriately...
If you're rich, you're an expat.
> If I am proved correct,” he said, “the Germans will call me a German, the Swiss will call me a Swiss citizen, and the French will call me a great scientist. If relativity is proved wrong, the French will call me a Swiss, the Swiss will call me a German, and the Germans will call me a Jew.
https://thenextweb.com/insider/2017/02/01/study-immigrant-st...
http://fortune.com/2017/01/30/tech-immigrant-founders/
https://hardavenue.com/immigrant-founders-trump-muslim-ban/
etc
There are also legal considerations. My US visa for example specifically says it's a non-immigrant visitor's work visa. Legally speaking, I'm an expat.
Culturally ... I like to call myself a dirty immigrant. Riles people up a bit :P
edit for background: I come from the border between Central and Eastern Europe. Some say Slovenia is one, some say another. In the UK I would most definitely be an evil evil immigrant. In the US nobody really cares as long as I'm not brown.
So I'm an immigrant, and my grandparents were immigrants and refugees.
Compulsory link, shirley? https://youtu.be/bwDrHqNZ9lo
I've looked informally for this phenomenon and I haven't been able to find it.
The only concrete piece of research I know on a specific case came up negative: http://www.bbc.co.uk/news/uk-scotland-tayside-central-349098...
[0]: https://stv.tv/news/stirling-central/1360095-andy-murray-mor...