And I don't think every listener out there would know what low market is.

So Low Market started effectively as the finance brand of Ray White.

So Ray White Financial Services back in the day, headed up by Sam White and from the White family.

And I guess when I first started at Low Market, I would describe them as a boutique So people who don't know what an aggregator is, probably other things that I always have to explain to people is that if you're a mortgage broker and you want to write a loan with a bank, the bank won't necessarily accredit or appoint you directly.

You need to use an aggregator for compliance, safety, ability for income to stream backwards and forwards.

So we need to pick an aggregator and there's lots out there.

low market is obviously the best one and when i started it was sort of uh it has i guess two arms to it it has the franchise arm which is the one that i'm a part of and then it's the you know the the partner or bring your own brand um style where you still get the same tech stack and the same experience and the same lender accreditations but you can be your own self and sort of create your own image inside that aggregation business, right? So I think loan market for me has been about the family ownership.

It can be terms.