Mm-hmm.

And given who else does it this way, I think we're probably right in saying that.

So if money is no object, you'd pick a pocket spring mattress.

I, I referenced it earlier, but the chemicals that are involved in making foam, and it's quite a long story, uh, but either for the fire retardancy or in, or making viscoelastic are now proven to be carcinogenic.

You know, when you open a brand new, uh, pocket, uh, foam mattress, um, they stink, and the, the industry calls it off-gassing, but that smell is really noxious.

And not far from now, there's a fairly good chance that people are gonna understand what they've been doing to themselves.

Um- And so, you know, we, we sit here proudly saying we will not touch it.

What's become harder to, to do as the brand has grown? What's just, what's become harder? What was, if you look back five years ago, pre-COVID, what was easy? What's become harder as the business has continued to grow? Is it just that top line growth or profitability? Where do you sit on what's become that much harder in recent years?

So, Adam, is it time to look at adjustable rate mortgages? And could you educate our audience about the difference between a fixed rate mortgage and an adjustable rate mortgage? And how are they comparing right now?

Great question.

So, first of all, here's the difference.

A fixed rate mortgage, that means the rate is fixed for that period of time, whether it be 15 years, 20 years, 25 years, or 30 years.

An adjustable rate mortgage, and a lot of times people break it in hives when you mention this because they think that's what caused the crash, and it was part of it, but it wasn't all of it.

An adjustable rate mortgage means that that rate is fixed for a certain period of time.

It's still amortized over a 30-year period, but it is fixed for, let's just say, the first five years.

What's the point

To kick us off, Adam, would you be able to give us a sense of where the Australian gas market sits right now on the East Coast? In particular, what are you seeing with the East Coast dynamics?

Yeah, Josh, the, the East Coast has been interesting, I think, for, for a number of years due to the, the policy settings, and I think, I think there's a real contrast between the east and the west, which what Amelia will talk to.

Um, at the moment, I think there's a couple of key themes on the East Coast.

The first is that the Bass Strait is obviously gonna be depleted or near depleted over the next kinda couple of years.

That's kind of a really key source of supply at the moment on the East Coast.

So there's a big question as to where that gas will now come from.

It'll either come from gas north, which will need to be piped down to the southern states or potentially LNG imports or a combination of them.

Do you think this has much to do with the domestic, you know, policies that are being put in place so far?