<p>Mark Chapman is joined by Chris Sutton, Stephen Warnock and Rory Smith.
The panel discuss an eventful summer transfer window, with some potentially big transfers still to come. Football finance expert Dr Tom Bason talks about how NOT qualifying for Europe could benefit team's financial situation and how teams like Brentford are doing things the right way. The Athletic's David Ornstein has the latest on ongoing deals and says he won't be getting much sleep in the coming days. 
Plus, Lionel Messi has announced his retirement from international football, who will be the next great Argentina number 10? What will be the legacy of the greatest ever player on the international stage?</p><p>0:20 Is this the most baffling transfer window ever?
03:00 Everton fans fuming over potential Armstrong sale.
06:45 Chris Sutton likes what Ipswich have done!
09:30 Football finance expert Dr Tom Bason.
12:10 Squad cost ratio explainer.
13:50 Praise for Brentford.
18:10 Shearer would be worth £240m now?
20:00 Does higher transfer fees benefit everyone?
22:50 Is qualifying for Europe a bad thing, finances-wise?
26:50 Round-up of other transfer news.
36:10 The Athletic's David Ornstein joins the chat.
38:45 Mudryk to Spurs?
47:25 Messi's international retirement.</p>

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