Nick Goodall

And like I said, also looking at that stock data, you know, telling us how long people have got to go on their mortgages as well, because I think that's a big part of

you know, the flow through to how much money people might have in their back pocket and flowing that to the economy as well.

So I think it's an interesting one to see those people push a bit longer, less people on those shorter terms, less people due to roll over in the next six months.

And that means that, yeah, we're certainly in that phase of things turning out the other direction.

So, yeah, always an intriguing one and great detail there.

And, yeah, I'm sure that'll continue to fill plenty of space in our, you know, articles and presentations and things over the next few months and things as well.

So, yeah.

Yeah, a really good one to cover off.

Anything else triggered in your mind there you wanted to cover off?

Otherwise, we can sort of chat about the big cotality data report released last week.

Yeah, absolutely.

I think it's been one that we've always sort of waited and watched to see some significant change with, and it's never really come right, particularly in the last two or three years, as property values have gone sideways.

I think it just illustrates that, yes, while the market's not going well and people aren't feeling great and they're not spending money,

they are prioritizing their mortgage and so they're still managing to make that work.

Even if the value's gone down, your mortgage doesn't go up in value.

Yes, the LVR might increase, but ultimately, you do whatever you can to pay your mortgage off.

And even though we've seen unemployment rise, it hasn't been super, super bad.

I don't wanna underplay it either, but again, it's been like lots of vacancies that haven't been employed.

You know, and we've seen obviously growth and demand for jobs as well.

But actually the amount of people losing their jobs, which then means they can't afford to pay their mortgage and they're desperate to sell and mortgagee sales and all these things.