Stuart Mitchell

Here's the reaction.

Now, that was probably over the last week or so.

Now, fast forward a couple of days, you're sitting, you're taking stock and say, hang on a minute, everything's not all of a sudden rosy, just like that.

The economy is not just immediately recovered.

there could be a bit of an overreaction here.

So we're trying to say to our clients that, look, what's most important is what's most important to you and your budget.

That's always the bottom line.

What we're talking about in the market, we'll second guess it at our peril.

Look what's just happened.

There is an argument to suggest that maybe this wholesale cost in the next quarter will come back down and calm down and maybe some of these rates will drop down a little bit more.

So what is important to you, essentially?

Three weeks ago, I was leaning towards some on one and more on three.

Now I'd be saying, well, if you can get three below five, wrap it up, move on with your life.

Some people are leaning towards that five years at 4.99.

Great rate, historically fantastic.

Look at the last five years, we've had over 7%, we've had almost 2%, we've had 4.5%.

A lot can happen.

So the bottom line will always be what is important to you.

Because right now, what's just happened just before Christmas has told us, you'll get it wrong if you second guess it, and it's extremely volatile, and, and, and, nobody's actually got a clue.

So what is important to you?