Apart from a couple of moments when the accents of Scottish taxi drivers proved too much even for her excellent English, Zahra Hussaini is slowly getting to grips with her new life in Britain.
The 19-year-old arrived from Afghanistan on Monday to resume her medical studies after the Taliban banned women from attending university and secondary school in 2022.
Thanks to the Linda Norgrove Foundation charity, Ms Hussaini is among a group of 19 women medical students who have come to Scotland to resume their studies.
For the next seven years she will be studying at the University of Glasgow, and she told The National she cannot wait to get going.
Speaking outside Parliament in central London, on a day trip to the capital, surrounded by throngs of tourists, cars honking their horns, and red buses driving past, she smiles and admits to culture shock.
“It has been! The way people dress, the cars, the food that people eat,” she said.
The locals in Glasgow have been friendly and she is more or less getting used to the way people speak.
“Two or three times I have heard some, you know, Scottish accents from taxi drivers, and I understood very little,” she said.
From braving attacks on her school, to the crushing disappointment of having the dream of becoming a doctor snatched from her, Ms Hussaini’s road to Scotland has been a hard one.
She explained that her interest in science and also working a local clinic fired her interest in becoming a doctor.
Her hard work paid off and she was able get into university, but that coincided with the Taliban’s takeover and their introduction of repressive measures against women and girls.
Just two terms into her course, she received the devastating news she would have to leave university.
“I remember it was at the end of our second term and we had our final exams and that day I had a very difficult exam so I was studying very hard for it,” Ms Hussaini said.
“I wanted to leave the home to go to university but I received a call from my friend that she was already at the university, and she told me not to come because the door was shut.
“I heard the news at night from social media but I couldn't believe it. At first I was in shock and after that, gradually I came to believe that it is the reality of Afghanistan.”
Ms Hussaini said her situation left her “pretty sad and anxious” but above all “disappointed when I looked at my past and how hard I had worked to improve my English and to study at school”.
Even before the Taliban took over, she said that it was still a struggle to get an education as schools came under attack from the extremists.
She said “we accepted the danger, and we put our life in danger to go to school and study” but “in spite of all the sacrifices that all girls have made there seemed to be no good future”.
Afghan families flee as Taliban takes control - in pictures
But a week after the disappointment, she heard that the Linda Norgrove Foundation, named after a Scottish aid worker killed in Afghanistan, was looking for applications from women medical students to continue their education in the UK.
There was still a hard road ahead, though, and Ms Hussaini's initial application was rejected. However, when another student was forced to drop out, she was finally chosen.
She described her parents as people who do not let themselves get excited, but when they heard the news they were “happy, proud and anxious”.
“I was very happy I could not express my feeling with words,” she said. But she misses her parents who have been supportive “and helped me a lot on the journey”.
Meeting other overseas students, from Pakistan and Bangladesh, has helped Ms Hussaini settle in. She has been in touch with fellow medical students and is already a convert to Glasgow, saying “it is much more fun” and a better place to study than the cities where the others are.
However, she has missed the food she is used to, especially her mother's cooking.
Meanwhile, she is looking ahead to a medical career and is thinking about specialising as a surgeon.
“The future is completely unpredictable, and everything might happen, but first graduating from a medical school will be a very long and tough journey, ” Ms Hussaini said.
If you go
Flight connections to Ulaanbaatar are available through a variety of hubs, including Seoul and Beijing, with airlines including Mongolian Airlines and Korean Air. While some nationalities, such as Americans, don’t need a tourist visa for Mongolia, others, including UAE citizens, can obtain a visa on arrival, while others including UK citizens, need to obtain a visa in advance. Contact the Mongolian Embassy in the UAE for more information.
Nomadic Road offers expedition-style trips to Mongolia in January and August, and other destinations during most other months. Its nine-day August 2020 Mongolia trip will cost from $5,250 per person based on two sharing, including airport transfers, two nights’ hotel accommodation in Ulaanbaatar, vehicle rental, fuel, third party vehicle liability insurance, the services of a guide and support team, accommodation, food and entrance fees; nomadicroad.com
A fully guided three-day, two-night itinerary at Three Camel Lodge costs from $2,420 per person based on two sharing, including airport transfers, accommodation, meals and excursions including the Yol Valley and Flaming Cliffs. A return internal flight from Ulaanbaatar to Dalanzadgad costs $300 per person and the flight takes 90 minutes each way; threecamellodge.com
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Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.
Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.
“Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.
Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.
“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.
Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.
From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.
Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.
BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.
Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.
Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.
“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.
Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.
“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.
“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”
The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”