How should I think about this as an investor? If I am refinancing, I've got a good relationship with my broker.

Well, sometimes it's like, why are you changing? It's one of the very common questions in the team here that we go, okay, well, why now? Why are you changing? The things we see when people want to change their broker, it could be like you're going into a commercial area and that broker doesn't know the commercial space.

we we do commercial and residential fully credit with everyone here at strategic mortgage brokers but you might have a big reason or you might be able to not contact them the broker's retiring the broker's away uh whatever it is but it's always good to and or you've gave them a chance and now you have to move and then you go cool i'm worried about the clawbacks things like that but I think most professional strategic investment level brokers know that there are times where you get callback and times that you don't.

And it's just a cost of business that's built into the system for years and years and years.

And you as a consumer, you as a person that needs to move, whether it's getting equity out.

helping your cash flow getting a better rate making sure that you can survive if we're going to take the more doom gloom area of rate rises you you're able to survive and get those rates down you have to move.

We are very good at self-clawback in the business here, where we will do a loan and then six months later, we have to do the loan again because of a need for specific clients.

What happened then? Were borrowers panicking? And yes, the debt amounts were probably a lot lower, but what happened then at that stage?