Andrew

So it knows that Matt's obviously paying less tax, and so therefore he only has to have a $3,000 increase.

That's a good example.

Even though he's been knocking off early to renovate that house of his.

Anyway, so then he does it.

Now all of a sudden, hey, hey, hey, it's marginal.

Well, Sonny said, this is exactly what we did.

So, Sonny, good on you.

And also, I just want to say, sometimes there can be a few complicating considerations.

Like someone asked before, does it tell you where to put the debt versus the debt limit?

Always err on the side of caution there.

If you're not sure, put the higher amount in there.

But I think it does say- It says limit, and then it says balance.

And if you get really stuck, talk to your mortgage broker because this is similar to the tool that mortgage brokers use.

So they can probably give you some guidance.

I clicked it.

I'm being booked in at the moment.

Some great questions.

Thank you to everyone that heed my call to put them there.

Someone said, does the spreadsheet take agent consideration?

And I see that someone followed up by saying...