Dr Sam Wylie

If there's more supply from banks and more competition between the banks, that'll go down.

Now, before COVID-19, that was about 2.6%.

That part, you know, it's pretty stable, but sometimes it's more and sometimes it's less.

But that is supply and demand in the market.

And we see that.

So it's not just in hospitality, you know, in goods and services, it's in investments as well, all types of investments.

Well, so I have a YouTube channel, which is Windlestone.

So if you just, if you Google Dr. Sam Wiley, S-A-M,

And Wiley is W-Y-L-I-E, Whiskey Yankee Lima Indigo Echo, if that makes it easier.

So if you just Google Dr. Sam Wiley, then you'll come to my YouTube channel.

And you'll see that also that I teach courses for private investors through our company, which is called Windlestone Education.

Brilliant.

Thanks for inviting me, Kate.

Really enjoyed it.

I'd love that.