And that is sort of telling a picture in its own right as far as the property market is concerned.

Yeah, it's a really interesting conversation.

point, Greg, really interesting point, because banks today are funded about 60% from people's deposits.

That's cash at bank.

If you go back to sort of 2010, 2012, so not that long ago, it was around 40%.

So the really interesting thing about this is that every time interest rates go up a quarter of a percent, it hits the third of people with mortgages, and it takes about $6 billion out of the economy.

But because the deposits have grown, quite substantially because of their ageing population.

Teflon Perth, can it still sort of remain where it is, do you think? What's likely to happen for the rest of the year?

Oh, it is so much better in the light than in the darkness.

I do think that mark is going to be some form of genetic manipulation.

And we know that has to be true because when the certain plagues are poured out, or for example, when the key to the bottomless pit is unlocked and these locust-type demonic creatures come out, and they attack those that have the mark only.

And then there's a certain plague or sore or something that comes only on those that have the mark.

And it says that they're going to seek death and death will flee from them.

So there's been something changed because if you're stung by these creatures like a scorpion, death would be easy to come by.

But if you're somehow modified— And I agree with you, Pete, that there's something combining technology and genetics that's going to result in a physical change.

Because there are some other temptations that have direct reflections that correlate to experiential things that are happening today.

That is incredible.

You know, I'm so glad you brought that up, Pete, because I think about, I'm in total agreement with you both that we, part of us being in the image of God is that we too are a triune being.

God is Father, Son, and Holy Spirit.

We are body, soul, and spirit.

And those terms that you read in 1 Thessalonians there for soma, body, psuche, soul, and pneuma for spirit.

We struggle with even comprehending a God that is three in one person.

But the easiest analogy I can think of is we are that way too because we're also three in one.

So we're contaminated beyond repair.

They've gone up as well.

Any real estate SARS people that only really got into real estate, I'll say from about 2020, 2021, they've really been order takers, to put it mildly.

It was not challenging to list or sell houses for the last, we'll say, five years.

This market that we're in now, for us with a little bit more grey hair and time in the game, this is more like the market was previously to COVID.

I've been in the industry here in Harvey Bay for over 20 years.

So we worked through the GFC, which was you've got significant financial challenges, real challenges that impacted the market cycle back then.

Whereas at the moment, in my opinion, we've got no real significant financial drivers on this downturn in our national property markets.

And I just wonder how much of that diversity is a bit of an insurance card, you know, which is protecting the market from some of these pullbacks that we're seeing on price.

It's pretty incredible

when Judge Shepard, I'm not sure precisely Thursday, Friday, whenever this judgment came down or this ruling came down, but it's the culmination of a hearing that was done almost a week ago in Comanche County.

by the co-counsel to the Attorney General, the Wittenberg Law Firm, which the Attorney General has made them co-counsel in this case against State Farm.

Remember, Ryan, that he's also named Allstate, but we're not seeing any courtroom action on that one yet.

And it's drinking from a firehose because of my interview with him earlier this week.

I think Tuesday he said he's going to name a third company.

But this was a hearing.

So Monday morning, the folks in mainstream media, in their editorial meetings, what do you think their plan of action is going to be to try to break all this down? Because I'm going to have this video up tonight, and we've already done a pretty good job of it.

What are you seeing at the moment? And how would you describe the current Harvey Bay market?

The last couple of months, we've been in a bit of a holding pattern pause.

We're seeing the Harvey Bay market transition from the frenzy conditions that we've experienced over the last few years into what I'd describe most likely a more healthier and certainly a more balanced market at the moment.

Quality homes that are well presented and priced appropriately are still selling well.

Buyers are no longer feeling that pressure to make the decision within hours because the competition just hasn't been there.

So there's more opportunity to conduct their own due diligence.

They're comparing other properties to make their informed decisions.

how is the trend changing the market though at the moment particularly for first home buyers and local owner occupiers

How is the trend changing the market though at the moment, particularly for first home buyers and local owner occupiers?

Throughout the previous boom years, really since COVID, the interstate migration into Harvey Bay has created enormous demand.

And with many of those buyers relocating out of the capital cities in Sydney, Melbourne, but along with, we've discussed this in the past, South East Queensland, they're coming to seek a more affordable coastal lifestyle.

But that demand still remains today, and we're seeing more properties becoming available, giving those buyers greater choice with a little bit less competition than we saw, say, three months ago.

For first home buyers, which we don't see a lot of, that is encouraging because most of the incentives are always driven towards those new builds.

And they're facing, again, less competition from investors, I'll say, because that's probably some of the biggest changes that have been made throughout the budget.

And during the peak of the market, they would have been in strong competition with investors, whereas now we're certainly going to see a lot less investors.

Could Australia's ongoing housing shortage see competition, do you think, strengthen again over the next 12 months?

One of the more entertaining ones, certainly.

Look, I have a lot of sympathy for the audience in trying to navigate all of this.

I'm somebody who believes that journalism can be done from a certain perspective.

I think you look at the history of journalism.

So much of it has had a perspective for decades and decades and decades and decades.

And you say, look at journalism.

the civil rights movement and black newspapers that did journalism that came from a perspective.

because you and I are probably the two people on this panel that have come from really traditional media backgrounds in a sense of we worked for some of these big organisations like the ABC and such where we see that reflected.

What memories of being here your five years with the Lions? Good, bad, how do you feel about, about your time with the Lions?

You know, it, it was some of the greatest experiences of my life and, and my career and, and also some of the worst [laughs].

Uh, you know, there, there was just some, some really special, special times of ...

Of course, uh, growing up, uh, in a small town i, in Utah and dreaming of playing professional quarter, uh, uh, you know, football and being a quarterback and starting, uh, that's what the Lions gave me the opportunity to do.

So it was the, you know, it was seeing, uh, one of my childhood dreams come true and, and, and having the, you know, we had a lot of success on the field.

And, uh, you know, I think, I think the thing that's hardest for me about the whole experience, uh, is it just didn't feel like we had enough time together with the players that we had.

We had a really good nucleus of great talent offensively and, and just not, not giving, you know, enough, enough time to nurture that and really see it through to what it really could be.

Um, what do you remember about that and why, like you said, did that not continue to go kind of, you know, upward?

Like what's going on here, you know?

Oh, it's to me all of the above.

Yeah.

Because there's no telling how many facets they're implementing at one time.

I believe in the DUMs, the Deep Underground Military Bases.

I think that's certainly part of their agenda.

In fact, we've had on several times a guest on Bible Mysteries podcast named Karen Wilkinson.

Can we maybe put some definition behind that? Even if it's just your opinion, what are your thoughts on that? How would you define aliens or some of these things abducting people?

Do you think that the infrastructure will be a factor that possibly drives the next phase of regional property growth? What are your thoughts there?

yeah now certainly the uh there's no going back from here for harvey bay and that's why i don't feel we'll see any downward pressure on our values going forward because we just can't keep up supply of new build products and then we've also we deal with a lot of people who've lived in harvey bay for a long time in some cases they just simply want to downsize we've got a lot of like half acre to acre type properties and larger like five acre ten acres but we have a lot of half acre properties across harvey bay The owners of those properties get to a stage in life where they just go, I don't want to look after 2,000 square metres of lawn and gardens.

So they want to sell those properties and move into these.

These over-50s lifestyle villages are popular.

And in some cases, we get parties where they've lost a partner.

Recently, I've had three ladies who've lost their husbands and they can't look after the properties that they're currently in.

And they want that security that comes with a gated community.

How do you look at all of that, Scott, in terms of Queensland as a whole compared to what's developing right where you are?

What say you, Scott?

You talked about this collaboration across departments, right? You know, that makes me think of, you know, we've heard of this silo mentality, right? And I've been in leadership meetings where you have different department heads and they can only think of their department leaders we can't do this because this will make us do more work.

It may help fundraising, but it's going to cost the accounting department to do extra work.

And that's where, you know, I'm like, okay, accounting team, we're losing the silo mentality because It's about the fundraising.

It's about the programs.

It's not about administration at the end of the day.

It's about who we're reaching, who we're serving.

So what advice would you give? Scott, what say you?

Do you think that's true?

I mean, that's really interesting in that I don't know why that means that it's not possible.

It just would require a heap of change.

I haven't actually read Rundle's essay, but yeah, you look at movements from overseas, as you say, have faced many of the same headwinds as the Greens, have come out of maybe being a more middle-class movement at one point.

They've had mainstream media maybe be not particularly fair to them.

They haven't had billionaire backing, but I think have capitalised on the conditions better.

I mean, the thing that...

But, yeah, how would you say it's going? What are the big things that are coming up? And do you feel confident that this is going to actually get us to a better place as a country and seriously deal with both that horrific terrorist attack and the various social forces surrounding it, let's say?

Um, you know, I looked at Scott first to get his take on it.

So, so I'm not sure what a player's coach coach is because, and I'll tell you why.

And I, I think he was from the perspective of, um, He wasn't like micromanaging you.

He wasn't like in your business every day.

He let you be a player.

He let his coaches coach.

And if you weren't performing, he was not a player's coach.

What was it like playing that offense? How did you make that happen?

But is that good for regional markets like

yours? I haven't had not one single person in our industry that I work with say that this is a positive budget announcement.

It could possibly be one of the worst budget announcements we've seen, and it certainly isn't ideal for the real estate ecosystem.

Our regional areas have always been more affordable than our city centres, and that's what's been driving, you could call it an exodus for some time, from people wanting to get out of their capital cities because of affordability, and now understand that they can work remotely.

So if you can work remotely, why not live in a more affordable regional area? And enjoy the lifestyle that often comes with it.

An idyllic place to live with fantastic natural assets.

And we were undervalued for decades, really.

Yes,

Yeah.

But then it says, "And he shall be tormented with fire and brimstone in the presence of the holy name- angels..." Let me say that again.

"In the presence of the holy angels, and in the presence of the Lamb, and the smoke of their torment," the ones being punished, tormented for taking the mark, "ascendeth up forever and ever: and they have no rest day nor night, who worship the beast and his image, and whosoever receiveth his mark," the mark of his name.

And as you've probably discussed on numerous episodes yourself, Pete, that mark of the beast is gonna have some form of genetic change.

They're not gonna be fully human anymore when they take that.

So they're stepping into a realm that is essentially a non-God-created entity when they take the mark.

They're going to become Nephilim, which is why God destroyed them all, and therefore, it would be fitting and right for God to judge them and, and cause them to have no rest day and night, forever and ever.

And so maybe hell is really just stripping away that veneer, taking away the sugarcoating, and seeing ourselves in our true state without Christ.

This is a huge topic, but we wanna give you guys some things to consider and think about and look up for yourselves.

Yeah.

That's, that's a good idea.

And what I look forward to doing is letting you reveal those proof texts or whatever that the annihilist- annihilationists might use as evidence for their belief, and we'll examine them together with the word of God.

But I, I approach this topic the same way I do just about everything, which is really Hebrews 11:6, that, uh, "Without faith it is impossible to please him," meaning God, "for he that cometh to God must believe that he is, and that he is a rewarder of them that diligently seek him." So for me, we have to start with diligently seeking to find the truth, to know the answers.

God will honor our faith.

But one of the things that you and I discussed is, we had a conversation about this before we started to record this episode, maybe talking about the coming apostasy, and one of the things I'm seeing going on is people like Kirk Cameron, and I don't wanna demean him 'cause I don't know him.

Well, um, why don't you drop some of the verses that you were, you were thinking of mentioning earlier, and we'll just kinda see how that spreads out into our other notes that we have.