Nick Goodall

So I still trust in them to build the right properties for the people that are living here, that want to live here, that are willing to live in those different living situations.

So yeah, it seems to be, it's still pretty sensible, but no doubt taking your point right from the start, Tiago, that of one property type, we've gone very heavy and maybe we're seeing the outcomes of that afterwards as well.

Now, Tom, I want to slightly distract from the situation.

I think it's one of the things that we're talking about property, we're talking about locations.

We cannot avoid talking about the potential impact of climate change.

Of course, we've had a pretty big flooding incident this last week or so.

Of course, our thoughts are with the families affected by the slip in Mount Maunganui.

But from a property perspective, property resilience

you know how do you see that taking shape being taken account for with these planning reform that's going on discussion again today i saw on online about you know some areas not being able to get insurance you know what's what part do you play in conversations with different industry players and what's happening in that climate change and property resilience space

And like I say, that's exactly where we come in, right?

We're trying to get all this data information.

Let's prove the case that building more resilient, building in the right places that are better protected from hazards, building more greenhouses, there's genuine benefit in it, not just in your own livelihood, but actually in the value of your property and what you can sell it for in the future.

So I think it's an ever-growing space.

There's disparate pieces of information, but no doubt, Cotality, we do feel like we've got a strong part to play in that.

We will have to move on from that.

You and I could probably discuss this at length forever and ever, but we'll save the listeners from that for now.

Then I want to move into the last part of the report.

And this is, again, quite a topical one.

It's one that is quite a diversion from the typical things that we'd ask people about.

But what we want to understand from our respondents was,