Don't say that.

[laughs] I'm also very mindful around what Reddam said, 'cause he, he's a f- fantastic, was a fantastic economist and now a, a fantastic broker.

So I certainly take what I say with a pinch of salt.

But I think based on data, for me, I'm looking at inflation, naturally, I'm looking at GDP, and I'm looking at unemployment figures, and right now it's, it's really being toyed across.

It's a bit of a tussle between those three.

For me personally, and the way that the data's sitting, I can't see rates dropping this year.

I just can't see it.

I guess, how can I get into the property market with, from a lending perspective? Are you seeing the non-banks being a bit more relaxed with, with that sort of stuff and does it still exist in those channels?