quite prepared to debate property matters with you any time leased. However, I don't have the time to impart my 40+years of intimate property experience in one easy lesson, sorry. All I can assure you is that had Labor been in power over the past 11 years, interest rates would be much higher that they are. You may have the opportunity soon of witnessing that phenomenon for yourself should Labor fall over the line. Union power is subdued thatks to sensible Liberal policy. However, mark my words. You ain't seen nothin' yet if Labor stumble into the most important job in the country!