What do you mean when you say, though, just share with us a little bit more about that philosophy of your customers are already sitting in your database? What does that really mean?

Yeah, absolutely.

And you think of the time, the effort, the energy that brokers have spent to build up that group of the cabal of customers.

And yeah, it's always, yes, focusing on finding you know the next new person to bring into the tent and what have you and so forth it's hugely valuable but don't lose sight of you know the people that you're already doing business with because it's a great way to lose them so maintain that close contact and people's needs change and they shift and so by being there and being close to them and being there when the environment shifts like we've just seen with some of those changes around their gearing and so forth and capital gains and SMS, when those sorts of shifts take place, then be there and have the discussion with them and say, what are the implications for you? I know that we talked about a strategy around X, Y, and Z.

What does that mean for you now? Oh, I don't know.

I don't know what I'll do.

Well, there are other classes of assets.

You touched a little bit on the lease stock already, but for people that may not be familiar with that term, that aren't familiar with the commercial space, can you just talk us through that one a little bit