Stuart Mitchell

Yeah, and just going back to that discounted, for me, I'm not sure what percent of your guys' new bill, but with 40% of my book on the discounted floating rate for 4.44, you'd ride it out for probably the next two years.

Yeah, absolutely.

And then see where you're at.

I mean, it's such a good deal.

Yeah, yeah.

And clients have got to be, you try and educate, be careful of getting it absolutely at the bottom of the market.

Like if you're roughly, again, below five, look, you're not going to get it to the bottom.

You're not going to time that.

It's going to be pure luck.

How much more is in this?

Do you know what I mean?

If you do fix for six months at 4.69 rather than locking in for 4.49 for a year, for example, that's going to have to drop a lot.

the next six months so for me i i just built my finished building my house last year i based everything off seven percent so when i'm coming to fix and 4.95 you know what i'm happy because my budgeting was based on seven so again not trying to rinse it for every single percentage you can look at you and your position how you've budgeted where you're at focus on that

Yeah, sure.

Well, I'm the only one leaving my area over Christmas, so that's going to be a bad sign.

We'll get into that.

And I have this Midas touch.

Whenever I head away, things get busier.

I don't know what it is.

So the tells are already there for me that I think January is going to be very busy.