 Hey, so I'm with Luther from Apsa and we're going to ask him a couple of questions based on what's the current climate and happening in property and what we should be looking out for. Don't. When you get your first salary, go and buy a three-series BMW that's hard to afford over the long term and then when you start looking for a property it actually affects your affordability and then you have to almost downscale to what you would have wanted to buy because now you're spending too much on a car that's probably not needed for yourself at that stage of your life. Look after your payment profile on credit record because the commercial payment profile, if you just skip one payment it reflects on credit bureau and that then affects the amount of deposit that you would require the commercial payment profile is the higher the deposit requirement is.