Frances Cook

And of course, the wonderful Katie Wesney as well.

She is the national coaching lead at Enable Me.

That's quite a recent one.

That's a new promotion, right, Katie?

It is indeed.

Well done.

Very well earned.

Fan favorite, of course, for many episodes of Making Sense.

I will jump in there and say we would have all pitched for you.

So we'll take a little bit of credit for that promotion too.

Thank you so much.

Now, Katie helps us figure out the what now part, what we can do with those great insights from Christophe and decide what to do with our money in the context of everything that is going on.

So thank you both so much for being part of this.

It's going to be a really good one.

I'm excited.

Christophe, let's start with you.

Big picture.

Warrant around obviously having really big financial impacts, including here in New Zealand, it's pushing up interest rates.

Can you explain the chain reaction for me there?

Because we've got this conflict on the other side of the world and then it ends up on places like our mortgage statements.