Hi, this is Robert Floris from Mortgage Architects and this message is mainly for my variable rate clients and adjustable rate mortgage clients and clients who are maturing this year. As you all know, the Bank of Canada raised interest rates over eight times last year causing stress and many struggles. In my opinion, the good news is that they have stopped raising rates for a while but I really don’t believe they’ll be lowering it. I really want most of our clients to start preparing and what do I mean by that; we stopped eating out at restaurants. Celery was seven dollars last week when I went to Fortinos and one of our cars broke down and I’m in no hurry to replace it. All I’m saying is that your life will change and you will have to make some changes so please prepare accordingly and if you need to talk to Sean or I, please don’t hesitate to call us. Have a great day and a great year!