How To Do Cash Send On Capitec In South Africa?

Quick Summary

Capitec Cash Send allows you to easily and securely transfer money to anyone in South Africa. You can use this service through the Capitec mobile app, internet banking, or USSD codes. To send cash, simply choose the amount, create a secret code, and confirm the transaction. The recipient can then collect the cash at Capitec ATMs or partner stores using a reference number and the secret code. Costs and limits vary, so it’s best to check the latest information with Capitec. If you encounter any issues, Capitec’s Client Care Centre is available for support.

Introduction

Imagine this: It’s the end of the month, and you need to send some money urgently to a friend or family member. You’re not near a bank, and you don’t have any cash on hand. What do you do? If you’re in South Africa, Capitec’s Cash Send service might just be your lifeline.

Capitec Bank, one of South Africa’s leading financial institutions, offers a simple yet effective way to transfer money to anyone, anywhere, using its Cash Send feature. This service enables you to send cash quickly through your smartphone or a Capitec ATM, without requiring the recipient to have a bank account. All they need is a cellphone, and they can collect the money instantly at any participating retailer or Capitec ATM.

In this comprehensive guide, we will walk you through everything you need to know about Capitec Cash Send — from how it works, to step-by-step instructions on using it, costs, security tips, and much more. Whether you are new to Capitec’s services or looking to make the most of Cash Send, this guide has got you covered. Let’s dive in!

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What is Capitec Cash Send and How Does It Work?

Understanding Capitec Cash Send Service

Capitec Cash Send is a convenient money transfer service that allows you to send money instantly to anyone in South Africa, even if they don’t have a bank account. Think of it as a modern-day equivalent of giving someone cash without needing to meet them in person. This service is especially useful in emergencies or situations where the recipient needs money immediately but lacks access to traditional banking services.

How does it work? The sender initiates the transaction using the Capitec mobile app, internet banking, or by dialing a USSD code on their phone. Once the transaction is confirmed, the recipient receives an SMS notification with a reference number. They can then visit any Capitec ATM or participating retail store to withdraw the money using this reference number and a unique secret code provided by the sender.

Benefits of Using Capitec Cash Send

There are several compelling reasons to use Capitec’s Cash Send service:

1. Convenience: Send money anytime, anywhere, without the need for the recipient to have a bank account.
2. Speed: Transactions are almost instantaneous, making it ideal for urgent transfers.
3. Accessibility: Recipients can collect cash from over 3,000 participating retailers and Capitec ATMs across South Africa.
4. Security: The process is secure, requiring a reference number and secret code to complete the withdrawal.
5. Affordability: Lower transaction fees compared to many other money transfer services.

In essence, Capitec Cash Send provides a straightforward, accessible, and affordable solution for transferring money, especially to those who may not have a bank account.

How Capitec Cash Send Compares to Other Services

To understand how Capitec Cash Send stands out, let’s compare it to other popular money transfer services in South Africa:

Feature	Capitec Cash Send	FNB eWallet	Standard Bank Instant Money	Nedbank Send-iMali
Recipient Needs Bank Account?	No	No	No	No
Collection Points	Capitec ATMs, Partner Stores	FNB ATMs, Partner Stores	Standard Bank ATMs, Partner Stores	Nedbank ATMs, Partner Stores
Transaction Fees	Lower compared to others	Moderate	Moderate	Moderate to High
Security Measures	Secret Code + Reference Number	Secret Code + SMS PIN	Secret Code + Reference Number	OTP + Reference Number
Speed of Transfer	Instant	Instant	Instant	Instant

This table highlights that Capitec Cash Send is a versatile option for quick and easy money transfers, particularly for those without bank accounts. It also stands out due to its lower fees and wide range of collection points.

How Does Capitec Cash Send Work? A Step-by-Step Overview

When you initiate a Cash Send transaction, here’s how the process typically unfolds:

1. Initiate the Transfer: Use the Capitec app, internet banking, or USSD code to send cash. You’ll need to enter the recipient’s mobile number and the amount you wish to send.
2. Receive a Reference Number: After the transaction is processed, you receive a reference number via SMS.
3. Share the Reference Number and Secret Code: Send the reference number and secret code to the recipient. They will need both to withdraw the money.
4. Recipient Withdraws Cash: The recipient can go to any Capitec ATM or a participating store, enter the reference number and secret code, and withdraw the cash.

Why You Should Consider Using Capitec Cash Send

Using Capitec Cash Send isn’t just about sending money. It’s about doing so efficiently, securely, and cost-effectively. Whether you’re helping a loved one in need, paying for services, or simply sharing a gift, Capitec Cash Send makes the process as smooth as possible. No bank account? No problem! With this service, you’re always just a few taps away from getting money to those who need it most.

How to Do Cash Send on Capitec Using Different Methods

Sending money with Capitec Cash Send is incredibly flexible, allowing you to choose the method that best suits your needs and convenience. Whether you’re tech-savvy or prefer more traditional methods, Capitec has you covered. Here’s a detailed guide on how to use different methods to perform a Cash Send transaction:

1. Using the Capitec Mobile Banking App

The Capitec mobile banking app is perhaps the most convenient way to perform a Cash Send transaction. Here’s how you can do it step-by-step:

1. Download and Open the App: Make sure you have the Capitec app installed on your smartphone. You can download it from the Google Play Store or the Apple App Store.
2. Log In to Your Account: Use your Remote PIN to log in to your Capitec account on the app.
3. Select ‘Transact’: Once logged in, tap on the ‘Transact’ option on the main screen.
4. Choose ‘Send Cash’: Under the transaction options, select ‘Send Cash.’
5. Enter Recipient’s Details: Input the recipient’s mobile number and the amount you want to send.
6. Confirm the Transaction: Review the details and confirm the transaction. You will receive an SMS with a reference number and a secret code.
7. Share the Details with the Recipient: Send the reference number and the secret code to the recipient. They will need these to withdraw the cash.

Why Use the App?
The app provides the quickest and most secure method to send money. It’s user-friendly, available 24/7, and ensures that you can make transfers on the go.

2. Using Capitec Internet Banking

If you prefer using a computer, you can perform a Cash Send transaction through Capitec’s internet banking platform. Here’s how:

1. Log In to Capitec Internet Banking: Go to the Capitec Internet Banking portal and log in using your credentials.
2. Navigate to ‘Transact’ Section: Once logged in, click on the ‘Transact’ tab in the main menu.
3. Select ‘Send Cash’ Option: From the list of services, select ‘Send Cash.’
4. Enter the Necessary Details: Fill in the recipient’s mobile number and the amount you want to send.
5. Confirm the Payment: Review your transaction details and click on ‘Confirm.’
6. Receive the Reference Number and Secret Code: Capitec will send you an SMS with the reference number and secret code.
7. Share with Recipient: Send the details to the recipient to enable them to withdraw the funds.

Why Use Internet Banking?
This method is ideal for those who are at home or in the office and prefer using a larger screen. It also provides a secure environment for managing your transactions.

3. Using USSD Code on Your Mobile Phone

No internet? No problem! You can still send money using your mobile phone by dialing a simple USSD code. Here’s how:

1. Dial *120*3279# on Your Phone: This is the USSD code for Capitec mobile banking.
2. Select ‘Transact’ Option: Follow the prompts to navigate to the ‘Transact’ menu.
3. Choose ‘Send Cash’ Option: Select the ‘Send Cash’ option from the list.
4. Enter Recipient’s Mobile Number and Amount: Type in the recipient’s mobile number and the amount to send.
5. Confirm the Details: Follow the prompts to confirm the transaction. You will receive an SMS with a reference number and secret code.
6. Send the Details to the Recipient: Provide the recipient with the reference number and secret code for withdrawal.

Why Use USSD?
This method is perfect for people without internet access or smartphones. It’s a straightforward and easy way to perform a Cash Send transaction from any type of phone.

4. Using a Capitec ATM

If you prefer the traditional way, Capitec ATMs offer another way to perform a Cash Send. Here’s what you need to do:

1. Locate a Capitec ATM: Visit the nearest Capitec ATM in your area. You can use the Capitec ATM locator to find one.
2. Insert Your Capitec Bank Card: Insert your card into the ATM and enter your PIN.
3. Select ‘Transact’ from the Menu: On the ATM screen, choose the ‘Transact’ option.
4. Choose ‘Send Cash’ Option: Follow the instructions to select the ‘Send Cash’ option.
5. Enter Recipient’s Mobile Number and Amount: Input the recipient’s phone number and the amount to send.
6. Complete the Transaction: Confirm the transaction details. The ATM will print a receipt with the reference number.
7. Provide Details to the Recipient: Send the reference number and a secret code to the recipient to allow them to withdraw the cash.

Why Use an ATM?
Using an ATM is suitable for those who prefer a physical interaction or don’t have access to internet banking. It’s also a reliable backup method if other options are unavailable.

5. Using a Capitec Branch

If you feel more comfortable with in-person assistance, you can go to a Capitec branch to perform a Cash Send transaction. Here’s how it works:

1. Visit a Capitec Branch: Locate your nearest branch using the Capitec branch locator.
2. Speak to a Consultant: Request assistance from a consultant to perform a Cash Send transaction.
3. Provide Recipient Details: Give the recipient’s mobile number and the amount you wish to send to the consultant.
4. Confirm the Transaction: Review the details with the consultant and confirm the transaction.
5. Receive the Reference Number and Secret Code: The consultant will provide you with a reference number and secret code.
6. Communicate the Details to the Recipient: Send the reference number and code to the recipient for withdrawal.

Why Use a Branch?
This method is best for those who prefer face-to-face service or require assistance with the transaction. It’s also ideal for those who are not comfortable using digital banking tools.

Each method of using Capitec Cash Send offers unique benefits, allowing you to choose what best fits your situation. Whether you prefer the speed and convenience of the mobile app or the traditional security of visiting a branch, Capitec makes sure you can send money quickly and easily.

How to Receive Cash Sent via Capitec Cash Send

Receiving money through Capitec Cash Send is simple, fast, and accessible to anyone with a South African mobile number—even if you don’t have a bank account! Capitec ensures you can easily get your cash from their extensive network of ATMs across the country. Let’s explore the step-by-step process to receive money using this service.

Step-by-Step Guide to Receiving Money

Here’s how you can receive cash sent via Capitec Cash Send:

1. Receive the SMS Notification:
   • Once the sender has completed the Cash Send transaction, you will receive an SMS notification on your phone. This message will include a unique reference number provided by Capitec.
2. Get the Secret Code from the Sender:
   • The sender will provide you with a four-digit secret code. This is different from the reference number and is required to withdraw the money. Make sure you keep both the reference number and secret code safe.
3. Locate a Capitec ATM:
   • Find a Capitec ATM nearby. You can use the Capitec ATM locator to find the closest one.
4. Visit the Capitec ATM:
   • Go to the nearest Capitec ATM. You don’t need a bank card or account for this process—just the reference number and secret code.
5. Select ‘Cardless Services’:
   • On the ATM screen, select the ‘Cardless Services’ option.
6. Choose ‘Cash Send’ Option:
   • From the available options, select ‘Cash Send.’
7. Enter the Reference Number and Secret Code:
   • Enter the reference number you received via SMS and the secret code provided by the sender.
8. Input the Amount to Withdraw:
   • Type in the exact amount of money sent to you. Make sure you enter the correct amount as the ATM will not dispense cash if the amount doesn’t match.
9. Collect Your Cash:
   • Once all the information is verified, the ATM will dispense the cash. Make sure you take the cash immediately and keep it safe.
10. Transaction Complete:
    • The transaction is now complete! You will also receive a confirmation SMS from Capitec.

Important Tips for Receiving Cash via Capitec Cash Send

• Ensure Accuracy: Double-check the reference number and secret code before entering them at the ATM. An incorrect entry may result in the ATM declining the transaction.
• Keep Your Phone Handy: Make sure your phone is charged and accessible to receive the SMS notification and any further communication.
• Stay Safe: When withdrawing cash, always be aware of your surroundings. Avoid using ATMs in secluded or poorly lit areas, especially at night.

How to Receive Cash at a Capitec Branch

If you prefer receiving cash in person, you can visit a Capitec branch to withdraw the money. Here’s how:

1. Visit the Nearest Capitec Branch: Use the Capitec branch locator to find a branch close to you.
2. Speak to a Consultant: Inform the consultant that you are there to withdraw money from a Cash Send transaction.
3. Provide the Reference Number and Secret Code: Give the consultant the reference number from the SMS and the secret code from the sender.
4. Present Your ID: You might be asked to show a valid ID to verify your identity.
5. Collect Your Cash: Once your information is verified, the consultant will hand over the cash.

Why Use a Branch?
Using a branch may be preferable if you’re not comfortable using an ATM, especially for larger amounts, or if there isn’t an ATM nearby.

What to Do If You Face Issues While Receiving Cash

While Capitec’s Cash Send service is designed to be user-friendly, sometimes issues may arise. Here’s what to do if you encounter any problems:

• Incorrect Reference Number or Secret Code: Double-check the numbers sent by the sender. Contact them to verify the correct details.
• ATM Out of Order: If the ATM is not functioning, try another Capitec ATM or consider visiting a Capitec branch.
• Unsuccessful Withdrawal: If your withdrawal fails despite entering the correct details, contact Capitec Customer Service at 0860 10 20 43 or visit the nearest branch for assistance.

Personal Experience Example:

“I remember the first time I had to receive money through Capitec Cash Send—it was late at night, and I needed cash urgently. I was a bit anxious since I didn’t have a Capitec account, but I quickly received the SMS from my friend with the reference number and secret code. I walked to the nearest Capitec ATM, and it was as easy as pie. The ATM screen was clear and straightforward, and within minutes, I had the cash in my hand. I was impressed by how smooth and hassle-free the process was!”

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By following these steps, you’ll be able to receive money quickly and efficiently, whether through an ATM or a Capitec branch. The service is designed to be accessible to everyone, offering multiple ways to ensure you get your cash whenever and wherever you need it.

Costs, Limits, and Restrictions of Capitec Cash Send

Understanding the costs, limits, and restrictions associated with Capitec Cash Send is crucial for effective financial planning and to avoid unexpected issues. Here’s a detailed look at what you need to know about sending and receiving cash using Capitec’s service.

Costs of Capitec Cash Send

The cost of sending cash through Capitec varies depending on the amount being sent. Here’s a general overview:

• Transaction Fees: Capitec charges a fee for each Cash Send transaction. The fee structure may vary based on the amount being sent. Typically, the fee is lower for smaller amounts and increases with the amount of cash being sent.
• Fee Schedule: For the most accurate and current fee schedule, refer to Capitec’s official website or contact their customer support. The fee information is also available through the Capitec app or internet banking.

Example Fee Structure (Indicative)

• Sending up to R1,000: R10
• Sending between R1,001 and R2,500: R15
• Sending over R2,500: R20

Note: These figures are illustrative and may not reflect the current fees. Always check with Capitec for the latest rates.

Limits for Sending and Receiving Cash

Capitec imposes certain limits on Cash Send transactions to ensure security and manage risk.

Sending Limits

• Maximum Per Transaction: Typically, there’s a limit on the maximum amount you can send in a single transaction. This limit may vary but often ranges between R5,000 to R10,000.
• Daily Limit: There might also be a daily limit on the total amount you can send. This limit helps prevent misuse of the service.

Receiving Limits

• Maximum Per Transaction: The maximum amount you can receive in a single transaction generally aligns with the sending limits. Ensure that you check the exact figures with Capitec.
• Daily Limit: Similar to sending limits, there may be a daily limit on the amount you can receive.

Restrictions and Conditions

• Account Restrictions: If you have any account restrictions or issues with your Capitec account, it might affect your ability to send or receive money.
• Non-Capitec Users: If you’re receiving money and don’t have a Capitec account, you must use the ATM or branch services mentioned earlier.
• International Transfers: Capitec Cash Send is generally available only for domestic transactions within South Africa. International cash sends are not supported.

Troubleshooting Common Issues with Capitec Cash Send

While Capitec Cash Send is designed to be user-friendly, occasional issues may arise. Here’s how to troubleshoot and resolve common problems.

Common Issues and Solutions

1. Incorrect Reference Number or Secret Code:
   • Problem: The ATM or branch rejects your transaction due to incorrect details.
   • Solution: Verify the reference number and secret code with the sender. Ensure there are no typographical errors. Retry the transaction with the correct information.
2. ATM Out of Service:
   • Problem: The Capitec ATM you visit is not functioning.
   • Solution: Try a different Capitec ATM. Use the ATM locator to find another nearby machine. If none are available, visit a Capitec branch.
3. Transaction Declined or Failed:
   • Problem: The ATM does not process your transaction.
   • Solution: Check if the reference number and secret code are entered correctly. If issues persist, contact Capitec Customer Support for assistance.
4. SMS Notification Not Received:
   • Problem: You do not receive the SMS with the reference number.
   • Solution: Contact the sender to confirm they completed the transaction. Ensure your phone is functioning correctly and has network coverage. If the problem continues, reach out to Capitec’s Client Care Centre.
5. Cash Not Dispensed by ATM:
   • Problem: The ATM does not dispense cash despite a successful transaction.
   • Solution: Report the issue immediately to Capitec Customer Service. They can track the transaction and resolve the issue.

Safety Tips for Using Capitec Cash Send

Safety is paramount when dealing with financial transactions. Here are some essential safety tips to ensure your Capitec Cash Send transactions are secure.

Best Practices for Secure Transactions

1. Keep Your Information Confidential:
   • Tip: Never share your reference number or secret code with anyone other than the intended recipient.
   • Why: This prevents unauthorized access to your funds.
2. Use Secure Devices:
   • Tip: Perform transactions using secure and updated devices. Avoid public Wi-Fi for online banking.
   • Why: Secure devices reduce the risk of information theft.
3. Monitor Your Transactions:
   • Tip: Regularly check your transaction history through the Capitec app or internet banking.
   • Why: Monitoring helps detect and address any unauthorized activities promptly.
4. Report Suspicious Activity:
   • Tip: If you notice any suspicious activity or receive phishing attempts, report it immediately.
   • Why: Quick reporting helps prevent potential fraud.
5. Be Cautious at ATMs:
   • Tip: Use ATMs in well-lit, secure locations. Be aware of your surroundings and avoid using ATMs at night.
   • Why: Ensures your safety while accessing cash.

Additional Safety Tips

• Protect Your Phone: Ensure your phone is locked with a secure PIN or password. This prevents unauthorized access if it is lost or stolen.
• Verify Transactions: Always double-check transaction details before confirming them to avoid mistakes.

Tips for a Smooth Cash Send Experience with Capitec

Ensuring a smooth and hassle-free experience when using Capitec Cash Send involves following a few best practices and tips. Here’s how you can make the most out of Capitec’s cash transfer service.

1. Double-Check Details Before Sending

• Tip: Always review the reference number, secret code, and transaction amount before finalizing the send.
• Why: Ensures accuracy and helps avoid issues with incorrect details which could delay the transaction.

2. Use Updated Capitec App

• Tip: Keep your Capitec app updated to the latest version.
• Why: Updates often include important security patches and new features that improve functionality and security.

3. Confirm Receipt of Funds

• Tip: Once you’ve sent the cash, confirm with the recipient that they’ve received it.
• Why: Verifying receipt ensures that the transaction was completed successfully and that there are no issues.

4. Save Transaction Details

• Tip: Keep a record of the reference number and secret code after sending cash.
• Why: This information is crucial for tracking transactions and resolving any issues that may arise.

5. Utilize Capitec’s Customer Support

• Tip: If you encounter any issues or have questions, don’t hesitate to contact Capitec’s customer support.
• Why: Their support team can provide assistance and resolve issues quickly.

6. Be Mindful of Transaction Limits

• Tip: Be aware of Capitec’s sending and receiving limits to avoid issues with transactions exceeding these limits.
• Why: Helps you plan transactions within allowable limits and avoid failed transactions.

7. Secure Your Transactions

• Tip: Avoid sharing sensitive information like the secret code via unsecured channels. Use encrypted messaging apps if necessary.
• Why: Protects against potential fraud and unauthorized access to funds.

8. Use Reliable ATMs and Branches

• Tip: Use Capitec ATMs and partner branches for transactions.
• Why: Ensures the security and reliability of cash collection points.

9. Follow Capitec’s Guidelines

• Tip: Adhere to the guidelines and instructions provided by Capitec for using the Cash Send service.
• Why: Ensures compliance with Capitec’s policies and enhances the overall experience.

Conclusion

Capitec Cash Send provides a convenient and secure way to transfer money within South Africa. By understanding how the service works, knowing the costs and limits, and following best practices, you can ensure a smooth and efficient cash send experience.

Whether you choose to use the Capitec app, internet banking, or USSD, each method offers a straightforward process for sending and receiving funds. Remember to double-check your transaction details, stay aware of costs and limits, and use Capitec’s customer support if you encounter any issues.

With these insights and tips, you’re now equipped to use Capitec Cash Send with confidence, making it easier than ever to handle your financial needs.

Frequently Asked Questions

Here are some common questions and answers about Capitec Cash Send to help you better understand how to use the service effectively.

1. How much does it cost to send cash using Capitec?

The cost of sending cash through Capitec varies depending on the amount you’re sending. Generally, fees are based on the transaction amount and may be subject to change. For the most accurate and up-to-date information on fees, refer to Capitec’s official website or contact their customer service.

2. Where can the cash be collected?

Cash sent via Capitec Cash Send can be collected at various locations:

• Partner Stores: Locations like PEP, Shoprite, and Checkers.
• Capitec ATMs: Use the reference number and secret code at Capitec ATMs to withdraw your funds.

3. What information does the recipient need to collect the cash?

To collect the cash, the recipient will need:

• Reference Number: A unique identifier provided during the transaction.
• Secret Code: A four-digit code created by the sender, which must be shared securely with the recipient.

4. What should I do if my payout cannot be completed?

If you encounter issues with completing a payout, contact Capitec’s Client Care Centre for assistance. Their support team will help you resolve any problems you might face. Be ready to provide details about the transaction for quicker resolution.

5. How can I reverse a money transaction using the Capitec app?

To reverse a transaction using the Capitec app:

1. Contact the Recipient: Try to resolve the issue directly with the recipient.
2. Gather Transaction Details: Collect all relevant information about the transaction.
3. Open the App: Log in to the Capitec app and go to the ‘Transactions’ section.
4. Select and Reverse: Find the transaction and select the reverse option.
5. Confirm Reversal: Review and confirm the reversal. Monitor your account for the refunded amount.

6. What should I do if I made a mistake in the transaction details?

If you notice a mistake in the transaction details:

1. Contact Capitec: Reach out to Capitec’s Client Care Centre immediately.
2. Provide Details: Explain the situation and provide transaction details for assistance.

7. How long does it take for funds to be returned after a reversal?

Funds usually return to your account within a few business days after initiating a reversal. The exact timeframe can vary based on several factors. If the funds are not returned within this period, contact Capitec Bank’s customer support for further assistance.

8. Are there any limits on the amount that can be sent per transaction or per month?

Yes, Capitec imposes limits on the amount you can send both per transaction and monthly. For specific limits and details, refer to Capitec’s guidelines or contact their customer service.

9. How can I contact Capitec’s Client Care Centre for assistance?

You can contact Capitec’s Client Care Centre through:

• Phone Call: Dial their helpline number.
• Email: Send a detailed email to their customer service address.
• Online Chat Support: Visit their website and use the chat feature for live assistance.

Author’s Note

Thank you for taking the time to read this comprehensive guide on using Capitec Cash Send. As someone who has worked closely with financial technology and online banking services, I’ve seen firsthand how important it is to have clear, reliable information when managing your money. This article aims to provide a thorough and user-friendly overview of Capitec’s Cash Send service, covering everything from basic usage to troubleshooting common issues.

Why This Guide Matters: Understanding how to use Capitec’s Cash Send effectively can make managing your finances simpler and more secure. Whether you’re sending money to a friend, paying for services, or need to collect cash, having the right information ensures that you can navigate the process with confidence and ease.

My Experience: I’ve spent considerable time researching and using various banking services to bring you accurate and actionable insights. My goal is to make sure you’re equipped with the knowledge needed to use Capitec’s services without any hassle.

If you have any further questions or need clarification on any of the points covered, don’t hesitate to reach out or leave a comment. Your feedback is invaluable in helping me provide even better, more useful content in the future.

Stay Informed: For more updates and tips on financial services and banking, feel free to explore the related articles and resources linked throughout this guide. Keeping yourself informed is key to making the most of your banking experience.

Thank you for your attention, and I hope this guide helps you achieve a smooth and efficient Cash Send experience with Capitec.

Oliver is a full-time writer with a passion for creating compelling content on diverse topics, including finance, business, product reviews, and more. With a keen eye for detail and a commitment to thorough research, she brings clarity and depth to complex subjects, making them accessible and engaging for readers. Oliver’s dedication to her craft ensures that every article is informative, well-researched, and thought-provoking. Outside of writing, she enjoys exploring new ideas, reading extensively, and continually expanding her knowledge.

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