in the

blink of an eye.

So I think that the things we will always talk about are what the long term ambitions, how long do they want to be in the home for? And we can only base advice based on where they are at now.

And you use a question of, you know, would you like your interest rates to rise or would you like your payments to increase and so on and so forth to know? what the type of product is that you're going to go for.

But I think in a volatile market and probably over the last seven or eight years, we've probably done more fixed rates than anything else because everybody just wants surety to say, I want to know exactly what my payment's going to be for the next two, three, five years.

I think the interesting thing for bookkeepers is a real opportunity.

Like I've just changed accountants and they've given me a bit more cashflow forecasting and all that kind of jazz.

What do you need when you're working with an accountant or bookkeeper? What makes a great relationship for you? What helps your mutual clients?

You can't relax on this, can you?

No.

You, you, we start at around about...

If I, if I...

One of the things we help our clients with now, you know, other financial services, business owners, and professionals is, is effectively gaining control, 'cause a lot of them have spreadsheets in their head and no systems to manage anything at all.

But then once we plug to their leaky bucket and they're no longer the bottleneck, we go on a marketing journey, and typically that marketing starts at 15% of their turnover as an investment.

But as we work out what's working, what's not working, where the bang for the buck is, you can probably reduce that to somewhere between 5 and 7%.

On the, on the flip side of that, best day, best day in business, hurrah moment.