And that process of going into somebody's detail, seeing whether they can afford a mortgage, Has that become a quicker process now or has it become more lengthy? It's a quicker process

if you know what you're doing, which is hopefully what we do.

Every lender's got their quirks.

You've got mainstream lenders and they tend to be fairly similar.

But then we've got a raft of what I call second tier and third tier lenders who will do slightly different things.

And today as well, our people's income profiles are very, very different to what they were before.

say, 30, 40 years ago.

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