Nick Goodall

Like there really hasn't been that significant pain.

Again, I don't want to underplay.

I know it's been tough out there for plenty of people as well.

And there'll be some people that, you know, haven't done it easy.

But like I say, from those measures of, you know, tracking,

you know, people missing payments and mortgage e-sales and things.

We just haven't seen the same holding out of the market as we have, say, in the global financial crisis when, yeah, mortgage e-sales were way higher and non-performing loans were way higher and job losses were much greater as well.

So, yeah, I just think, you know, while it's been, it's hard to say it hasn't been that bad when you see the decline in property values across some parts, especially, you know, Wellington down 25 odd percent still.

and you sit there and go, how can people handle that?

Well, again, if you're still in the house and your mortgage still, you know, you can still get your job and you can pay that and interest rate payments have come down, then yeah, you will find a way to survive and prioritise the mortgage.

And that certainly seems to have been the case.

So yeah, I think that's just another backup of that and one that we continue to watch for to see, you know, where my pockets of trouble come up and they just haven't really done so to any significant degree anyway.

So another really good one to point out.

But yeah,

Yeah, good one, Kelvin.

I'll move on, though.

Let's look at the release last week.

Of course, we did put out the woman and property report last week.

This is sort of in advance of International Women's Day every year, which is this coming Sunday, 8th of March, International Women's Day.

And so we put out the report in advance of that, just looking at some of the differences across the genders in terms of property ownership.