um pension or a huge you know lift in value it's just things have changed for sure and i mean the strategies that your clients are focusing on like the flipping and and the other one house hacking which is like i totally get it but maybe you can explain it a little bit more because somebody who's listening to this might not understand how how how how how house hacking fits into a long-term strategy or how it's related for somebody who's just starting off.

Yeah, it can be a really good option for somebody who's limited on capital because if you live in the property, you can put down...

If it's under 500,000, you can put down as little as 5%.

Anything above 500,000, you have to put down 10%.

But the minimum down payment is significantly less.

It's likely reduced by half or even more than that.

So it allows someone to enter the market more quickly where they might not think they're able to enter the market.

So talk to us a little bit about infill development and how that and how some people are doing that now.