It’s been so long now since Nigeria celebrated the repayment of the Paris Club debt. The narrative back then was that paying the debt will free up cash that will be channeled towards capital expenditure and then usher in the economic boom we have craved for decades.
Instead what we got was a higher spending on recurrent expenditure, limited capital expenditure and a lot of stolen wealth. We are somewhat back full circle.
Nigeria’s external debt hits a 16 year high of $27 billion in December 2019 just higher than the $20.8 billion in external debt level as at 2005.
By December 2006, after we had paid off Paris Club, Nigeria’s external debt was $3.5 billion. Years of lower oil prices, disproportionate spending and defense of the exchange rate has seen the external debt creep back up.
Between the start of 2015 and December 2020, Nigeria’s external debt profile has risen from $9.7 billion to $27 billion.
Most of these debts were borrowed in the first 4 years of the President Muhammadu Buhari’s administration via multilateral, development, bilateral and commercial loans (Eurobonds and Diaspora bonds).
The government claims, it had no choice, seeing its oil revenues fail to meet up with target and thus unable to fund Nigeria’s huge infrastructural deficit required to propel economic growth.
While Nigeria’s external debt to GDP remains under 10% and well below global benchmarks, critics of the government have worried about the debt service commitment of about $1.5 billion at the current debt levels.
Another important metric to ponder on is the relationship between the external debts and the external reserves.
Available data shows Nigeria’s external debt levels of $27 billion is now about 75% of external reserves of $35 billion. This is the highest we have seen since 2005. An inverse of the data means Nigeria’s external reserves can now only cover 133% of its external debts and 23x its debt service.
The rising foreign debt profile and the sliding external reserves once again highlights how vulnerable Nigeria’s economy is to external shock. Should the oil price war persist and global crude oil demand fail to pick up, things could go deep south for the country’s finances.
Why this matter: Unlike in previous economic crisis in 2009 and 2016, Nigeria’s external reserves may not provide the buffer it requires in 2020. CBN is committed to billions of dollars in forex forward sales and has seen foreign demand for its bills dwindle of late. Without an uptick in crude oil prices and sales, reserves may fall below $30 billion reducing the cover to external debt to below 100%.
This could trigger another round of devaluation and set the stage for a final float of the exchange rate. Various policy recommendations following the COVID-19 pandemic have called for a more flexible exchange rate to relieve the pressure on the external reserves. If this happens, the exchange rate could take a plunge before finding its level.
The government has an option of going to the IMF and has made known its plans to borrow $6.5 billion. IMF also promised to make $3.5 billion available. That money won’t come without stings such as economic reforms with subsidy removal and market driven exchange rate on the cards.
What’s in it for investors: Investors in Nigerian Eurobonds will want to be sure that government will be able to pay down its principal when the loans start to mature.
A 2021 bond is expected to mature in January. Nigeria’s ability to fulfil its loan obligations will rely on some of the narratives outlined above.
Local portfolio investors may have to continue picking up stocks and waiting on the long term to offload. Foreign portfolio investors are still selling and remain apprehensive about returning to the equities market.
The recent crude oil price war and the coronavirus pandemic has demonstrated just far the world can change in just one month. Between an IMF loan, OPEC+ agreeing to a deal and the impact of coronavirus ebbing, the world could be a different place in a couple of months and Nigeria could manage to sojourn on. Until then, follow the numbers that matter.
Explained: CBN’s powers to seize bank account of criminals
The CBN expects the powers to be given to it via an amendment of the BOFIA.
Reports across major news outlets in Nigeria reveal the central bank is seeking sweeping powers to freeze bank accounts “linked to criminals” in the country. It expects the powers to be given to it via an amendment of the Bank and Other Financial Institutions Act (BOFIA) of 2004.
Powers to freeze accounts; The CBN’s Director Legal Services, Mr Kofo Salam-Alada, who made the representations at the National Assembly requested for the following;
- “The CBN should be able to apply to the court for orders to freeze accounts which are deemed to be linked with criminal and other civil infractions.”
- Apparently, the bill has passed through First and Second Readings but omitted the provisions they are seeking to include now.
What this means: The CBN is increasingly seeing itself as not just an enforcer of monetary policy but a major stakeholder in curbing the activities of fraudsters looking to exploit the financial banking system. Thus, the CBN needs not wait for anti-corruption bodies like the EFCC to seek court orders to freeze bank accounts that they suspect of being used for fraudulent activities.
For example, a bank account that receives a huge inflow that’s far above its average deposits over a period can be flagged by the bank coming under the radar of the CBN. This could give it major oversight over the parallel market demand for forex.
Dormant Accounts: The CBN is also calling for a provision that will allow it to change the administration of dormant accounts in the banking sector.
- “We propose the inclusion of provisions to improve the administration of dormant accounts in the Nigerian banking sector.”
- “The provisions should address such requirements as the criteria for determining dormancy, the processes for managing the funds in dormant accounts and procedure for reclaiming funds by beneficiaries.”
What this means: It appears the CBN wants to have a more direct control over how dormant accounts are managed by banks in Nigeria. It is thought that some of the older generation banks keep tens of billions of naira in dormant account deposits that may not be reclaimed in the foreseeable future.
Distressed Banks: The CBN also wants an amendment to the law to give it options to managing systemic crises and failed banks without seeking funding from taxpayers.
What they are saying;
- “The Central Bank of Nigeria does the former (managing failed banks and bringing them back to good financial health) as provided in the BOFIA while NDIC is saddled with the latter (taking over liquidated banks and protecting depositors money) under the NDIC Act. The global best practice is to have the banking legislation empower the Financial services industry regulator to regulate banks, promote their soundness and stability superintend issuance and revocation of operating licence without recourse to any other institution; while the Deposit insurer is in charge of bank resolution activities after the revocation of the operating licence,”
- “There is a need to expand the options available to the CBN to resolve failing banks and manage the systemic crisis without recourse to the public treasury. In line with international best practices, we recommend the establishment of a resolution fund to pool resources for managing banking sector distress.”
- “We also recommend the adoption of additional resolution tools such as bail-in (ensuring that losses are absorbed by shareholders and creditors), sale of the business (allowing the resolution authority to sell all or part of the failing bank to a private acquirer) and asset separation (isolating the “bad” assets of the bank in an asset management vehicle for an orderly wind-down, if immediate liquidation is not justified in current market conditions).
What this means: The CBN currently relies on taxpayers funds to bail out banks a policy that has been critisized in the last few years. Currently, failed banks are liquidated by the NDIC but this process means depositors still have to lose billions of naira of their deposits.
Nigerian banks also contribute a percentage of their total assets to AMCON sinking fund, which is also part of what is used to purchase eligible banking assets that are non-performing.
This bill, however, looks like they want to include an option that will allow the CBN to use the assets of the bank or its owners to “bail in” the banks rather than a bail out and also remove the bad loans from the balance sheet of the banks allowing it operate as though it is clean.
New Regulatory Powers: The CBN is also looking at amending its bill to give it more powers and oversight to regulate new wave of financial services firms that have emerged in recent times.
What they are saying;
- “Several new types of licenced institutions have entered the Nigerian Financial Services sector since the enactment of the 1991 Act. These include the non-interest banks, credit bureaux, payment system service providers, among others.”
- ‘There is a compelling need to introduce new provisions in the Bill to address the unique peculiarities of these institutions.”
The National Assembly is also looking to approve the use of digital signatures through the introduction of the Electronic Transactions Bill. This will allow electronic communication to be accepted in the place of physical appearances and give validity to online contracts.
How delivery firms fleece their patrons
The onus is on you to pick the solution that works for you.
It was early on Sunday morning, but Halimat was already at her wits end. Rather than having an easy Sunday morning, she was on the phone, placating a justifiably angry customer who was yet to receive the hair extensions she had ordered, after two weeks of making the purchase.
The client had paid for hair extensions amounting to N150,000, and did not quibble overpaying the delivery fee of N2,000; Halimat had been pleased to have made such a huge sale from one customer. However, two weeks later, she was still running after the delivery guys, wondering why the parcel had not been delivered. Eventually, she was informed that “the package could no longer be found,” and they stopped taking her calls afterward.
“Where do I even start from?” she lamented. “So, I paid them N2000 to help me misplace products worth N150,000.”
Sadly, many small business owners have experienced varying degrees of disappointment after hiring delivery services to convey products to customers.
A new day for delivery service providers
In the early 2000s, no one thought much about courier and delivery services. It was a business with low patronage, and even lower turnovers. By the turn of the first decade of the 21st century, the narrative had started a gradual change. Logistics and delivery services were becoming much sought after; even businesses in other sectors started branching out into delivery services.
With the introduction of new government policies geared towards promoting the ease-of-doing-business, the number of people going into delivery businesses has quadrupled. Operating both a B2C and B2B model, the market is quite large, especially with recent evidence showing an increase in online transactions and demand for home deliveries.
With as little as N400,000, one can start a small-scale delivery business by purchasing a despatch bike, and securing a license or logistics permit from the state’s ministry of transportation. The need for an office space could be optional, and even when one chooses to have one, it could be a shared space. Of course, a social media handle is now considered essential for the purpose of getting clients and establishing an online presence.
Challenges for business owners
In spite of the ubiquity of delivery services, getting a good delivery service is still a hard nut to crack. Stories abound of people who have had their deliveries delayed for days and even weeks. There are also stories of parcels destroyed, or even lost without getting to the recipient, and so for these small businesses, the problem remains finding a delivery service that can guarantee and deliver just as promised.
For Oluwatobi Ibukun Abiola, who runs ATJ Creations hub, getting a good delivery company is quite difficult, and sometimes small business owners eventually have to settle for alternate options, like using friends and siblings to make their deliveries.
As a producer of organic hair and skincare products, Oluwatobi’s deliveries are often booked days ahead and she has to get the entire schedule sorted out. For her, it can be summarised in a sentence.
“The cheaper the service, the more certain you are that it will disappoint. So, it is often better to ignore the cost and go for the more reliable options.”
Some delivery businesses require registration fees from business owners who intend to use their services regularly. This fee could range from N5000 to N25,000, depending on the size of the business. Oluwatobi explained that based on her experience, using such delivery options, one is less likely to get disappointed.
There are also delivery businesses that only require one to call and book the time and date for pickup and the location for delivery. However these often disappoint; sometimes failing to turn up to pick the parcel, or even delaying the delivery for a couple more days.
Brenda Nwafor, owner of Nebdesigns, a business that specialises in making customised bags agrees that indeed, delivery businesses and despatch riders often disappoint.
She pointed out that the most difficult part of handling them is when they refuse to explain the true reason for delayed delivery. After failing to deliver a package as scheduled, they could end up refusing to pick calls for the next couple of days until they have successfully delivered it, and this sometimes leaves the sender at a loss over what explanation to offer to the receiver.
“To deal with them, I have to book a date that is earlier than the agreed date, so that all the delays can be factored in. If they eventually deliver it on time, I end up with a satisfied customer who is pleased to have received his package a day or two before the scheduled date,” she explained.
While this option is possible for people in the business of non-perishables like beauty products and fashion items, it is not obtainable for those in the business of consumables. Best runs a food and small chops business from her home, preparing and packaging chops, and foods for her clients.
In her line of business, same-day delivery is key but even then, she has to put up with delays. In some extreme situations when they fail to show up, she has to get a taxi and go handle deliveries herself, with help from friends when deliveries have to be made in multiple locations.
“Deliveries that should get to the customers by 1pm or 3pm sometimes get to them as late as 9pm, and I have to appeal with them to microwave the food,” she told Nairametrics. But this is not the worst scenario.
Best told Nairametrics that she had an issue in May where the despatch rider got to the client by 9pm with an empty plate, explaining that the food poured while he was trying to navigate the traffic from Oshodi to Iyana-isolo. While apologising to the client, he had pleaded with them to accept some frozen chicken (he bought to take home to his family), in place of the ordered “sautéed gizzard and dodo.”
Another business owner, who preferred anonymity, told Nairametrics that she recently had to refund over N80,000 to her clients after the despatch rider died in a road accident on his way to make her food deliveries.
Are business owners being penny wise pound foolish?
And this raises the question of insurance. Why go for a delivery service that does not give any insurance over your parcel.
Most of the business owners who spoke to Nairametrics agreed that despite knowing the risks involved, they opt for these despatch riders because they are cheaper and less cumbersome. One of them explained that she had tried one of the big logistic companies, even downloaded the app and uploaded a picture of the product to be delivered.
“It was too expensive; there was no way I could take it. Imagine paying N2,000 as a delivery fee on a product of N3,000. Clients are already unwilling to pay extra charges for delivery so we have to look for the cheapest option for them,” she explained.
A despatch rider who simply gave his name as Nurudeen told Nairametrics that sometimes, they failed to turn up when it became obvious that there wasn’t much profit to be made from that delivery.
“I can accept the booking, in the hope that other bookings will come to justify the trip. But if there is none, I cannot end up making a trip because of two deliveries worth N2000 total. It will be a total loss for me,” he said.
A holistic solution
Samuel Ajiboyede, CEO and Founder of Zido Logistics, Africa, and expert in the logistics business, recommends a holistic logistics solution for SMEs, rather than randomly calling a despatch rider whenever they need to make a delivery.
“You can’t just wake up and call them to say come and pick this up tomorrow. With such a structure, disappointments and delays are bound to happen since they cannot operate at a loss. Instead have a holistic solution that handles everything and gives you the needed insurance,” he said.
With such a solution, he noted, the business owner could collaborate with a logistics company that would take his parcel, along with other parcels going to the same location and move them all at once. Depending on the arrangement, the logistics company could give one assurance of delivering on the same day, all parcels registered before 9am, and delivering the rest the following day. With this approach, the business owner could spend much less on the unit cost of delivery.
Ajiboyede encouraged business owners to work with those logistics brands that provide covering and insurance for the goods, even if their services may be more expensive. There are two kinds of insurance which this arrangement gives the business owner.
Fidelity insurance protects you from losses that could result from events like the driver/rider running away with your goods or losing your goods, while Goods on transit insurance prevents losses you could get from having your goods defaced, tampered with or completely defaced. This explains why their costs could be slightly higher and their processes cumbersome, but it reduces your worries at the end of the day.
For same-day food deliveries however, he recommends that the business owners have despatch riders dedicated to their business. In the event that the business owner is unable to meet up with such, he could opt instead for ‘cluster plans’ where orders would only be taken in one or two locations depending on what is feasible.
Irrespective of the hassles, a despatch rider is less likely to disappoint you if you have as much as 20 food deliveries going to one location, as against when you have the same 20 deliveries spread across 6 locations.
As a small business owner, the onus is on you to pick the solution that works for you, bearing in mind that even when the cheapest option does not offer client satisfaction, the most expensive may not offer that either since the clients are always trying to keep their money in their purse.
COVID-19 Update in Nigeria
On the 15th of July 2020, 643 new confirmed cases and 6 deaths were recorded in Nigeria.
The spread of novel Corona Virus Disease (COVID-19) in Nigeria continues to record significant increase as the latest statistics provided by the Nigeria Centre for Disease Control reveal Nigeria now has 34,259 confirmed cases.
On the 15th of July 2020, 643 new confirmed cases and 6 deaths were recorded in Nigeria, having carried out a total daily test of 12,707 samples across the country.
To date, 34,259 cases have been confirmed, 13,999 cases have been discharged and 760 deaths have been recorded in 36 states and the Federal Capital Territory. A total of 199,016 tests have been carried out as of July 15th, 2020 compared to 186,309 tests a day earlier.
COVID-19 Case Updates- 15th July 2020,
- Total Number of Cases – 34,259
- Total Number Discharged – 13,999
- Total Deaths – 760
- Total Tests Carried out – 199,016
According to the NCDC, the 643 new cases were reported from 19 states- Lagos (230), Oyo (69), FCT (51), Edo (43), Osun (35), Rivers (30), Ebonyi (30), Kaduna (28), Ogun (27), Ondo (23), Plateau (20), Benue (17), Enugu (16), Imo (10), Delta (6), Kano (4), Nasarawa (2), Kebbi (1), Ekiti (1).
Meanwhile, the latest numbers bring Lagos state total confirmed cases to 12,941, followed by Abuja (2,738), Oyo (1,951), Edo (1,850), Rivers (1,427), Delta (1,398), Kano (1,318), Ogun (1,132), Kaduna (1,067), Ondo (770), Katsina (669), Ebonyi (646), Borno (593), Plateau (591), Gombe (533), Enugu (531), Bauchi (521), Kwara (422), Abia (413), Imo (409).
Jigawa state has recorded 321 cases, Bayelsa (318), Osun (311), Nasarawa (254), Sokoto (153), Akwa Ibom and Niger (145), Benue (143), Adamawa (110), Anambra (101), Kebbi (88), Zamfara (76), Ekiti (67), Yobe (62), Taraba (30), Cross River (10) while Kogi state has recorded 5 cases only.
Lock Down and Curfew
In a move to combat the spread of the pandemic disease, President Muhammadu Buhari directed the cessation of all movements in Lagos and the FCT for an initial period of 14 days, which took effect from 11 pm on Monday, 30th March 2020.
The movement restriction, which was extended by another two-weeks period, has been partially put on hold with some businesses commencing operations from May 4. On April 27th, 2020, Nigeria’s President, Muhammadu Buhari declared an overnight curfew from 8 pm to 6 am across the country, as part of new measures to contain the spread of the COVID-19. This comes along with the phased and gradual easing of lockdown measures in FCT, Lagos, and Ogun States, which took effect from Saturday, 2nd May 2020, at 9 am.
On Monday, 29th June 2020 the federal government extended the second phase of the eased lockdown by 4 weeks and approved interstate movement outside curfew hours with effect from July 1, 2020.
|Date||Confirmed case||New cases||Total deaths||New deaths||Total recovery||Active cases||Critical cases|
|July 15, 2020||34259||643||760||6||13999||19500||7|
|July 14, 2020||33616||463||754||10||13792||19070||7|
|July 13, 2020||33153||595||744||4||13671||18738||7|
|July 12, 2020||32558||571||740||16||13447||18371||7|
|July 11, 2020||31987||664||724||15||13103||18160||7|
|July 10, 2020||31323||575||709||20||12795||17819||7|
|July 9, 2020||30748||499||689||5||12546||17513||7|
|July 8, 2020||30249||460||684||15||12373||17192||7|
|July 7, 2020||29789||503||669||15||12108||17012||7|
|July 6, 2020||29286||575||654||9||11828||16804||7|
|July 5, 2020||28711||544||645||11||11665||16401||7|
|July 4, 2020||28167||603||634||6||11462||16071||7|
|July 3, 2020||27564||454||628||12||11069||15867||7|
|July 2, 2020||27110||626||616||13||10801||15693||7|
|July 1, 2020||26484||790||603||13||10152||15729||7|
|June 30, 2020||25694||561||590||17||9746||15358||7|
|June 29, 2020||25133||566||573||8||9402||15158||7|
|June 28, 2020||24867||490||565||7||9007||14995||7|
|June 27, 2020||24077||779||558||4||8625||14894||7|
|June 26, 2020||23298||684||554||5||8253||14491||7|
|June 25, 2020||22614||594||549||7||7822||14243||7|
|June 24, 2020||22020||649||542||9||7613||13865||7|
|June 23, 2020||21371||452||533||8||7338||13500||7|
|June 22, 2020||20919||675||525||7||7109||13285||7|
|June 21, 2020||20242||436||518||12||6879||12847||7|
|June 20, 2020||19808||661||506||19||6718||12584||7|
|June 19, 2020||19147||667||487||12||6581||12079||7|
|June 18, 2020||18480||745||475||6||6307||11698||7|
|June 17, 2020||17735||587||469||14||5967||11299||7|
|June 16, 2020||17148||490||455||31||5623||11070||7|
|June 15, 2020||16658||573||424||4||5349||10885||7|
|June 14, 2020||16085||403||420||13||5220||10445||7|
|June 13, 2020||15682||501||407||8||5101||10174||7|
|June 12, 2020||15181||627||399||12||4891||9891||7|
|June 11, 2020||14554||681||387||5||4494||9673||7|
|June 10, 2020||13873||409||382||17||4351||9140||7|
|June 9, 2020||13464||663||365||4||4206||8893||7|
|June 8, 2020||12801||315||361||7||4040||8400||7|
|June 7, 2020||12486||260||354||12||3959||8173||7|
|June 6, 2020||12233||389||342||9||3826||8065||7|
|June 5, 2020||11844||328||333||10||3696||7815||7|
|June 4, 2020||11516||350||323||8||3535||7646||7|
|June 3, 2020||11166||348||315||1||3329||7522||7|
|June 2, 2020||10819||241||314||15||3239||7266||7|
|June 1, 2020||10578||416||299||12||3122||7157||9|
|May 31, 2020||10162||307||287||14||3007||6868||7|
|May 30, 2020||9855||553||273||12||2856||6726||7|
|May 29, 2020||9302||387||261||2||2697||6344||7|
|May 28, 2020||8915||182||259||5||2592||6064||7|
|May 27, 2020||8733||389||254||5||2501||5978||7|
|May 26, 2020||8344||276||249||16||2385||5710||7|
|May 25, 2020||8068||229||233||7||2311||5524||7|
|May 24, 2020||7839||313||226||5||2263||5360||7|
|May 23, 2020||7526||265||221||0||2174||5131||7|
|May 22, 2020||7261||245||221||10||2007||5033||7|
|May 21, 2020||7016||339||211||11||1907||4898||7|
|May 20, 2020||6677||284||200||8||1840||4637||7|
|May 19, 2020||6401||226||192||1||1734||4475||7|
|May 18, 2020||6175||216||191||9||1644||4340||7|
|May 17, 2020||5959||388||182||6||1594||4183||7|
|May 16, 2020||5621||176||176||5||1472||3973||7|
|May 15, 2020||5445||288||171||3||1320||3954||4|
|May 14, 2020||5162||193||168||3||1180||3815||4|
|May 13, 2020||4971||184||164||6||1070||3737||4|
|May 12, 2020||4787||146||158||6||959||3670||4|
|May 11, 2020||4641||242||152||10||902||3589||4|
|May 10, 2020||4399||248||142||17||778||3479||4|
|May 9, 2020||4151||239||127||11||745||3278||4|
|May 8, 2020||3912||386||118||10||679||3115||4|
|May 7, 2020||3526||381||108||4||601||2818||4|
|May 6, 2020||3145||195||104||5||534||2507||1|
|May 5, 2020||2950||148||99||5||481||2370||4|
|May 4, 2020||2802||245||94||6||417||2291||2|
|May 3, 2020||2558||170||88||2||400||2070||2|
|May 2, 2020||2388||220||86||17||351||1952||2|
|May 1, 2020||2170||238||69||10||351||1751||2|
|April 30, 2020||1932||204||59||7||317||1556||2|
|April 29, 2020||1728||196||52||7||307||1369||2|
|April 28, 2020||1532||195||45||4||255||1232||2|
|April 27, 2020||1337||64||41||0||255||994||2|
|April 26, 2020||1273||91||41||5||239||994||2|
|April 25, 2020||1182||87||36||3||222||925||2|
|April 24, 2020||1095||114||33||1||208||855||2|
|April 23, 2020||981||108||32||3||197||753||2|
|April 22, 2020||873||91||29||3||197||648||2|
|April 21, 2020||782||117||26||3||197||560||2|
|April 20, 2020||665||38||23||1||188||466||2|
|April 19, 2020||627||86||22||2||170||436||2|
|April 18, 2020||541||48||20||2||166||356||2|
|April 17, 2020||493||51||18||4||159||317||2|
|April 16, 2020||442||35||13||1||152||277||2|
|April 15, 2020||407||34||12||1||128||267||2|
|April 14, 2020||373||30||11||1||99||263||2|
|April 13, 2020||343||20||10||0||91||242||2|
|April 12, 2020||323||5||10||0||85||228||2|
|April 11, 2020||318||13||10||3||70||238||2|
|April 10, 2020||305||17||7||0||58||240||2|
|April 9, 2020||288||14||7||1||51||230||2|
|April 8, 2020||274||22||6||0||44||226||2|
|April 7, 2020||254||16||6||1||44||204||2|
|April 6, 2020||238||6||5||0||35||198||2|
|April 5, 2020||232||18||5||1||33||194||2|
|April 4, 2020||214||5||4||0||25||185||0|
|April 3, 2020||209||25||4||2||25||180||0|
|April 2, 2020||184||10||2||0||20||162||0|
|April 1, 2020||174||35||2||0||9||163||0|
|March 31, 2020||139||8||2||0||9||128||0|
|March 30, 2020||131||20||2||1||8||121||0|
|March 29, 2020||111||22||1||0||3||107||0|
|March 28, 2020||89||19||1||0||3||85||0|
|March 27, 2020||70||5||1||0||3||66||0|
|March 26, 2020||65||14||1||0||2||62||0|
|March 25, 2020||51||7||1||0||2||48||0|
|March 24, 2020||44||4||1||0||2||41||0|
|March 23, 2020||40||10||1||1||2||37||0|
|March 22, 2020||30||8||0||0||2||28||0|
|March 21, 2020||22||10||0||0||1||21||0|
|March 20, 2020||12||4||0||0||1||11||0|
|March 19, 2020||8||0||0||0||1||7||0|
|March 18, 2020||8||5||0||0||1||7||0|
|March 17, 2020||3||1||0||0||0||3||0|
|March 16, 2020||2||0||0||0||0||2||0|
|March 15, 2020||2||0||0||0||0||2||0|
|March 14, 2020||2||0||0||0||0||2||0|
|March 13, 2020||2||0||0||0||0||2||0|
|March 12, 2020||2||0||0||0||0||2||0|
|March 11, 2020||2||0||0||0||0||2||0|
|March 10, 2020||2||0||0||0||0||2||0|
|March 9, 2020||2||1||0||0||0||2||0|
|March 8, 2020||1||0||0||0||0||1||0|
|March 7, 2020||1||0||0||0||0||1||0|
|March 6, 2020||1||0||0||0||0||1||0|
|March 5, 2020||1||0||0||0||0||1||0|
|March 4, 2020||1||0||0||0||0||1||0|
|March 3, 2020||1||0||0||0||0||1||0|
|March 2, 2020||1||0||0||0||0||1||0|
|March 1, 2020||1||0||0||0||0||1||0|
|February 29, 2020||1||0||0||0||0||1||0|
|February 28, 2020||1||1||0||0||0||1||0|