Off The Market with Team Somerville
Break down the week with Tim and Michael, as they talk about the market, tell stories, or just banter about anything and everything
Hosted by : Michael Dempsey & Tim Somerville
Produced by : Hayden McNamee
Music by : Anthony Trim
Off The Market with Team Somerville
#12 - Brittany Donnelly, a white car, and Mini Homes
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Today, we bring on Brittany Donnelly to talk about her time as a REALTOR , her white car, and the mini home market
Hosted by : Michael Dempsey & Tim Somerville
Produced by : Hayden McNamee
Music by : Anthony Trim
It has to be PG. It's a lot of safety precautions.
SPEAKER_01She has a white car, okay?
SPEAKER_05You can't you can't compare the two.
SPEAKER_01Hi, I'm Tim Somerville.
SPEAKER_00And I'm Michael Dempsey, and this is Off the Market with Team Somerville.
SPEAKER_01We actually have a guest with us today, Brittany Donnelly, member of Team Somerville. So we're looking forward to this podcast so that we can introduce a great realtor, great friend, great associate. One thing we will do is again go off the market, go on the market, and hopefully we'll give you some great information today. Absolutely. So, Brittany, how many years have you been in the business now?
SPEAKER_05Uh going on 10.
SPEAKER_0110. 10 years. Double digits. That means she gets a watch, I think.
SPEAKER_00I think. Yeah. Silver, though.
unknownYou're volunteering.
SPEAKER_01Well, you know, here we go. Casio.
SPEAKER_00Yeah. So you'll have Dora the Explorer on it.
SPEAKER_01Oh, yeah. Core. Waterproof? Uh, you know what?
SPEAKER_00Oh, right. That's 15 years.
SPEAKER_01Electricity. What did I get? I got one for my 25 years. 25 years, yes. So yes. I don't wear it. I love it. But anyway, yes. So Team Somerville, actually, for my 25th anniversary, gave me a beautiful watch. Has the red and black colors. I love it. And uh actually, I'm just not wearing it. So anyway. So uh real estate's been busy. I'm still, I don't know if you two are going through some multiple offers.
SPEAKER_00Absolutely. Yeah, I say I've starting to see where we've had a couple nice days of weather, you know, here and there. And what what I mean by that is the temperature is you know above zero.
SPEAKER_01Oh, of course.
SPEAKER_00Uh, we're starting to see uh I've noticed a little bit of pickup. So a lot of of our our old clients that we've kind of talked to or maybe even sold to in the past, they're starting to reach out to oh yeah. Hey, how's the market? You know, I like my house, but I'm always curious, isn't it? What's out there? I agree.
SPEAKER_01So, you know, and saying that, you know, knowing that the white stuff is not going to last anything we get now, thank goodness that's great. That cold snap we had here not long ago. Uh I'm just glad we're past that. Uh, my core temperature is still not to where it needs to be. So yeah, you know, and we were supposed to go away, and of course we weren't able to. The flights got canceled and everything else. And so again, now we're just hoping for warm weather as quick as it can come. Yeah, that's right.
SPEAKER_05Yeah, we got spoiled there the other day.
SPEAKER_01Oh, yeah.
SPEAKER_05But one really nice day.
SPEAKER_01Oh, yeah. Well, you know, but guess what? More to come. Yeah. So with real estate, you know, again, you've been in the American, uh, sir, you've been a realtor now for almost 10 years. Uh, good and bad, of course. I will ask you, Roy LaPage. What do you think of Royal Le Page?
SPEAKER_05Royal LaPage is where I started. I ventured out and learned my ways. I ventured out, but I learned my ways and I came back here. I love the company. It's a Canadian company. It's uh our team specifically. It's it has everything that I could possibly want.
SPEAKER_01Perfect. Perfect. And I know that this time of year, when you are looking at buying or selling, Brittany can help you specifically anywhere within southern New Brunswick. She's great that way. She can show properties anywhere from Charlotte County to the other side of Sussex. And uh, I think you have.
SPEAKER_05I absolutely right across the board.
SPEAKER_01We'd love as realtors, you see those vehicles with all those stickers on the back of the vehicles. Could you imagine if we could put every town or village or city that we've been in? Yeah. My goodness. I think I'd need more than one vehicle to think I had them all a whole wraparound. Oh, yes, yes. So one thing I want to talk about today, because again, we are realtors and we drive in our vehicles and we love our vehicles and so forth, is that um I did some research on um on what property, sorry, what properties, what vehicles are the top-selling vehicles in Canada. Okay.
SPEAKER_00I'm gonna sit back in my chair.
SPEAKER_01I know how you like your vehicles and so forth. So I will tell you that the top-selling vehicle in Canada has been for the last 17 consecutive years.
SPEAKER_03Honda Civic?
SPEAKER_01No, but you know what? You're close. That no, the Honda Civic actually was the top um top selling um vehicle as in car, not SUV, but for a car it was the Honda Civic in Canada this past year. So here is it an SUV?
SPEAKER_00Is that my hint?
SPEAKER_01Uh well, uh let's just say it's a series, a series. So it's the Ford, it's the Ford F series.
SPEAKER_00Ah, well, that makes sense.
SPEAKER_01Yeah, the Ford F series has been the top-selling vehicle in Canada for 17 years in a row. Yeah, uh that actually that makes sense. Yeah, no. Well, we we have enough of them. I actually have the numbers, I'll I'll say them here in a moment, just to give you an idea of how many vehicles are being sold. Top SUV was the Toyota RAV 4.
SPEAKER_00That was going to be my original guess.
SPEAKER_01Yeah, so to give you an idea, the F series, okay, last year sold over 138,000 vehicles. The RAV4 was just over 75,000 vehicles, and your um your Honda Civic was 31,000 vehicles. But you can tell with our temperatures and everything else. I mean, what a difference from a car to an SUB to the F series on how many actually sell. So I thought that was kind of cool to go off the market and talk about that. What do you drive?
SPEAKER_02I have a white car. Nissan kit.
SPEAKER_01A white car. She has a white car, okay? Now, Nissan, believe it or not, has the most affordable car that you can buy brand new.
SPEAKER_05Hence why I drive the car.
SPEAKER_01No, they have the Versa. Uh, the Versa you can get for just over 20K. So, again, if you're looking for something brand new, uh, and again, this day and age, I mean, I don't care if it's you know 2025 or 2020. The big thing is again, just make sure you have what's best for your family. For us, we're out all the time. One of my rules, I have two of them, do your best to have an SUB because, of course, our weather. But number two is we are adamant about making sure our winter tires, of course, go on. And so, again, now that we're into daylight savings time, yeah. What I will tell you is the fact that again, it's almost time to get those changed to all seasons. But don't, don't, don't rush that because we all know our Canadian Canadian spring belts and then three freezes and we got a lot of white Easters. Yeah, you've got it, you've got it. So we have a couple great events coming up. Um, St. John Home Show is coming up March 20th to 22nd. We'll be there. If you are looking for tickets, you can always reach out to us as well. Um, what I always love is a couple weeks after that in Moncton is the boat show. So always fun to go to the boat show. Yes, it's great to dream. I have a dream. Yeah, I have a dream. And if you do want to dream, just go look at some of the boats that are there and you're like, okay, yeah, we're doing something wrong. Yeah.
SPEAKER_00So anyway, maybe some of those new decks are cheaper. Maybe. Maybe, maybe they're really nice if you've ever seen them.
SPEAKER_01Maybe. So, what we always like to talk about, especially again, we had uh I know the other Britney from the team, Brittany Cram on here. Is we want to ask, do you have any good or bad experiences you'd like to share? Something that happened to you within the last 10 years that you're like, oh my goodness, I remember this and remember as if it happened yesterday.
SPEAKER_05I mean, I don't know how how far we can go. Yes, it has to be PG. Have to be PG. Yeah. I mean, I what I you know that you gotta always do, no matter if you have your uh schedule booked, doesn't matter. You always gotta knock. You always gotta announce that you're there, and that's I'm gonna leave it at that.
SPEAKER_01Okay, so okay. Okay, okay. So we we'll say it was without clothes then.
SPEAKER_05Yeah, yeah.
SPEAKER_01Yeah, yeah, okay, without clothes. Okay. Okay. So, you know, after 11 p.m., watch this and we'll have the fully unedited no just night at 11. You know, I I think we've all run into that. I remember running into one like that as well. When I ran into that, my client was from Ontario. So I remember knocking on the door and somebody standing up when they probably shouldn't have. And let's just save it. Yes, okay. So, yes, and that has now been burned in the back of my mind.
SPEAKER_05I remember years ago looking at a house with you, actually. Oh, yeah, we were doing a uh we were just doing a listing appointment, and the house was supposed to be vacant, and we went upstairs and there was we just saw two boots coming out of the end of the bed. Okay, so I mean you can see the lot of houses, but there's two boots, but the blanket was over their heads, so we weren't sure whether well so it turns out it was fine.
SPEAKER_01Okay, yeah.
SPEAKER_05They were alive, they were alive, okay, but it was very yeah, oh yeah, snow is jarring.
SPEAKER_01Yeah, no, I'm telling you. One thing about our our business is the fact that every day is a different day, right? Michael, you know as well as I do that, you know, again, you know, just today you were out first thing first thing this morning, out showing a property, you know, and it's in in the middle of nowhere. So we as realtors, we always have to worry about our security. And and of course, when we go to some of these properties, you'd be surprised with what we come across. Come across.
SPEAKER_05There's a lot of safety precaution.
SPEAKER_01Oh, 100%. 100%. So, Michael, you may or may not have a couple things today, but I do want to mention one thing. When we look at real estate, there are really different types of property. There's your freehold and your leasehold in particular. And there are other stuff uh styles that we could talk about. We could talk about condo and so forth, but I really want to focus on freehold and leasehold right now for a moment. Um, leasehold, of course, being mini home in a park. Leasehold, again, sometimes, believe it or not, when you buy a property, it's on government land, or of course, there are different reasons why you may or may not own the land. So freehold really comes down to that you do not only own just the property, that is the house, but you also own the land that it sits on. Okay. Do you have anything to maybe add when it comes to freehold?
SPEAKER_00Absolutely. Uh, I've had several clients reach out and ask how deep of that land is mine. Yeah. And I'm like, what? And they're like mineral rights. Yeah. How far can I dig?
unknownWow, that's a good one.
SPEAKER_00And I'm like, Yeah, I couldn't find an answer. Yeah. You know, I said, Well, if you come out in China, you've gone too far.
SPEAKER_01Wow. And I know there have been times where there are different companies that have mineral rights, and they will come and they will send letters to assessed owners that they have the right to actually test their soil, the land for different different minerals. And so you have to watch for that as well. If you own a large parcel of land, there could be again different uh different companies or different people that uh may try to claim that they have a right to uh dig or check your land for for different minerals.
SPEAKER_00As long as Mr. Irving gives me a stake, I'm happy.
SPEAKER_0110%, call me. There we go. Yeah. The big thing though about freehold and leasehold that we should talk about is that with real estate, when you look at trying to mortgage a leasehold property, it can be difficult. Yeah. If you do not own the land and it is a house and you have maybe a 99-year lease, or there is some form of arrangement. In fact, we just did one like this on the west side of St. John, it can become a concern to your financial institution. And what is important is to know that everything should be in writing. So the bank is going to want to see the documentation. They're going to want to see that again, that there's probably an association that meets each year. So again, you're going to want the minutes of the meetings. Um, there are many things that you'll need. So please understand that if you do not own the land, chances are your financing will be a little more difficult and adaptably different than a normal freehold property. You know, you may not even be able to mortgage the property, so you'll have to look at other options, you know, loan, line of credit, etc.
SPEAKER_00Yeah. Okay. We've seen a lot of camps go that route too. Sure. You know, where the government has opened up the land and they've allowed camps to be built and et cetera. And then you've got the your leasing from the government, or should we even have some churches, yes, uh establishments such as those, right? So yeah.
SPEAKER_01And and actually, we're talking about, of course, land, free old, leaseable. You also have to understand that there are times, in fact, we are doing one right now on Loch Loman Road, East St. John, that the well is actually not on the property. So because it's not on the property, the bank does not want to touch it because we don't have documentation stating what happens if the well runs dry. What happens if all of a sudden somebody cuts off the water source? So there are many reasons why documentation is crucial when it's not your standard real estate transaction. Okay. Now, talking about this as well, we can also get into, you know, we talk about, you know, your pre-hold leasehold. We can also talk about channels. Now, channels, you know, you know, channels are a bunch of different items. So what would be a channel? Fridge, yeah. Fridge and a stove are chattels, right? Uh, but your mini hold is a chattel. Um, you know, and again, what we classify a channel is that it's not real property. So that it is something that can be moved. Okay. So again, when we look at a fridge or a stove, now we believe that a chattel for most part, when written in an offer, has to be free and clear of what's called encumbrances. So there's no liens, that it works, you know. And when we look at that, it's very important because when you're buying a property, you could have a water softener that still has five grand owing on it. It could have a fridge and stove that still is on some type of, you know, you know, loan where again you have to make sure that every channel that you put in an offer is coming to you free and clear. Okay. You know, so when we talk about chattels and we talk about mini homes, I'll ask you, where are some of the uh where are some of the parks that you can buy uh a mini home in St. John and surrounding areas?
SPEAKER_04Uh well, you know, Westmoreland.
SPEAKER_01Well, yeah, well, Westmoreland, so where's Westmoreland?
SPEAKER_04So you're gonna be East St. John, East St. John, and and uh are they outside of so Westmoreland Owes 3.
SPEAKER_01Yeah, there's a portion of the KB. Uh there's one, of course, out in Lattimore Lake, and there's also one right down on uh right off Rossi Avenue board by Curse Park. By Costco, that's right. Uh what other parks? Can you think of some others?
SPEAKER_05Uh well, there's two other ones in the park and KB.
SPEAKER_01Okay, that's right. Two other owners, that's correct. And there's also one on the west side.
SPEAKER_04Hampton.
SPEAKER_01Yeah, Hampton has one. And there's actually uh when you look at it, there's also another one east of Glen Falls as well. Okay. And my point is the fact that when we're looking at today's market right now, many people only focus on residential homes. And if your budget is tight, I've always believed that if you can get a $150 to $200,000 mini hall compared to $150 to $200,000 house. Yeah, right.
SPEAKER_05I preach it every day. Yeah, I preach it every day. I'm actually showing a mini home today. Okay. And you walk in them, and it's it's there's the the stigma isn't there anymore. They're beautiful. Yeah. And I and I say to people, like, just go look. That's all right, go look. Look it based on your budget, like this is a beautiful home and you can live here comfortably. Correct. And yeah, no, they're great. That's not the way it used to be.
SPEAKER_01Okay. And so again, we do sell them, and and there are many questions that you as a client should know. And that's why having a knowledgeable realtor helping you, you'll want to know what the pad fee is. The pad fee will be going up every year, whether or not you like it or not. It's just what is going to happen. But within your pad fee, there is a specific part within St. John that the water and sewer is not included. So that's going to be an additional, well, $125, $130 a month. Where most of those, your water and sewer is actually part of the pad fee. The other thing to keep in mind about the pad fee is that when we go through and we sell these mini homes, the park application is extremely important. You may be interested in buying one, but you may have a big dog and they may not allow them. Um, most of them will not allow you to buy and rent them out, right? That's right. You know, so there are different rules and regulations when it comes to that as well. You know. Now, one thing I will say though is when I look at our market right now. When we see that the inventory is tight, inventory on good mini homes is also tight. So when they do come up, they sell. And they sell because just like what you said, Brittany, the stigma is gone. Uh, many of the mini homes out there are absolutely gorgeous. And again, one level, thousand square feet usually of living space, and is definitely a um a possibility, an opportunity for people when they have a specific budget. Okay. Now, talking about budgets, I'm gonna put you bulk under the bus on this one. I was looking at if somebody was to budget their expenses. So they look at, of course, cable power, heat, right, and water and sewer and so forth. When I went on NB Power, you know what they said is the average power bill.
SPEAKER_00Ooh, I'm gonna guess like equalized. Yeah, well, 300. 300. Yeah, go ahead. It's a fair guess.
SPEAKER_01Okay. You both are completely out of the water. You're gonna say 200? 135 dollars and thirty-six cents. What? Exactly. I don't but that is what I couldn't get over. No, so they're lying.
SPEAKER_05Yeah, they're like now.
SPEAKER_01We're uh I am telling you, if you you you both will check that afterwards. NB Power, $135.36. I then went on to a budget. You go ahead. I then went on to a budgeting plan that actually had that specific number. So I know they got that from where I got it. Now, the other budgeting numbers that were on there, I thought were all out of whack, too. They said your monthly phone was $25. I don't know where they're getting up the uh what? Yeah, $70 for internet. Uh, they had a number for cable, uh, they had a hundred dollars for water and sewer. Um, the heating, I know the utilities, the gas, they said was average $124 a month.
SPEAKER_05The math isn't math it.
SPEAKER_01No, the well, they were saying that uh, and again, I have the exact number, I think it was $3,800. No, sorry. $368 without your heat is what they were saying per month are your expenses. Now, when I look at that, yes, I know you're gonna let that's why some people are paying for home and auto insurance.
SPEAKER_00You know, right?
SPEAKER_01Look, I'm telling you, yeah, I don't know, but what I can tell you is this is the important information that we at Team Somerville hope to bring you the client. Yeah. I and not that it's $135.36, but the fact that again, the numbers in our eyes are not probably what most people would spend. So we would we would want to make sure that at the end of the day, thanks, by my focals. I do want anyone to speak. Yes, I know. Um, we would want to make sure that you're you're speaking about proper numbers. So you're right. Um, average, I think, throughout the year, my power bill will probably be somewhere between 275 and 325, right?
SPEAKER_00That's a hot tub, right?
SPEAKER_01That's with hot tub. That's with hot tub, you know. But but I just couldn't get over the numbers right on his lines.
SPEAKER_00Just not right. And it brings me back to something that Tim and I have talked about in the past was when we're out with clients, we talked about, you know, making fun of, you know, grinding my gears type of style. They would ask, like, what are the heating bills? Where are the heating bills? And that is very important information. Don't get me wrong. Yeah. But when we're in the home and you're sweating to death, you're asking me, What are the heating bills? And I tell you they're $400 a month, and you're like, I can't afford that. No, I guess well, it's a sauna in here.
SPEAKER_05So there has to be how many people live in the home? I mean, you know, you can't you can't compare the two. Was it vacant for the last six months?
SPEAKER_00I agree. Yep. No, I agree. There's a lot of factors to take into play. And again, with the, let's say you're worried about insulation, you know, we're seeing lots of inspections still. They're kind of cut back up on us. If that's an issue, we can look into it. Yeah. Uh, there's just so much that goes into it. I even heard uh of a case, there's a lot of cases down in the States where there was a gr like a uh grounding issue. And so electricity was constantly flowing and going into the ground. Really, but of course the meter is spinning. Of course. So, anyways, that's you know, a one in a million case, you know, idea or you know, uh occurrence. Yeah. Sorry. Uh, but again, you know, if if if your average bill is, you know, 200, and like you said, I don't know where this $130 is coming from, but two, two fifty, these are great.
SPEAKER_01Average number we'll tell you that they are trying to base that without gas. And so it's funny because this was for New Brunswick. And when you think about how many providers, or sorry, I shouldn't say providers, how many people actually are provided gas as their heat source? There are not many. The majority of the people that we see their heat, lights, everything is through electricity. Whether or not it's electric baseboard, electric forced air, the heat pumps, electric hot water, you know, these are all heated or powered through electricity. Absolutely. So I was very surprised, and I know you guys are gonna check that out.
SPEAKER_00Oh, it's a perfect hell, dude. Right. And we've got a lot of friends and families across you know Canada that are big on their gas. Yeah. And um, no, we just love our electricity here.
SPEAKER_01Oh, yeah. So now I I'll ask Michael. I we have a few minutes left. Do you have something you'd like to add?
SPEAKER_00I had a few ideas. Uh so quick quick update on the interest rates. Yeah, I know that they've been below 4%, but recently uh Tim and I were talking to a couple brokers, and we're seeing some at 3.94. And that again is no loyalty to whatever bank you may be with and things like that. So your own personal bank, I know I've got TD, you probably got Scotia, RBC, you know, whoever you're using, they maybe have access to special rates because of you know, you've been with them for so long, loyalty. They might even be able to take 10 basis points. So interest rates are at a great, and I would say comfortable. I know we've argued about this plenty of times. It's a comfortable rate. Uh, if you're still holding it for 1.99, stop holding your breath. I mean, this is this is the rate. And uh another thing I want to talk about.
SPEAKER_01Well, well, wait, please don't go to Vinny and Guido, right? So you can do the uh B do your uh dear Marlon Brando. Give me a dollar, give your food anyway 3.9. Um no, for them it'd be 15, 20.
SPEAKER_00Here we go. I'll break your knees. Okay, go on. Yes, so spring market, it's coming. Like I said before, we're starting to feel it, and we have a lot of people reach out and they ask, what are some things I can do to the home to get it ready to sell? But I'm kind of strapped on cash. So I've got a few little things here. All right, well, my colleagues will jump in at any time. I know my favorite, but go ahead. Again, the biggest one is fresh paint. Okay, fresh paint. Yeah, yes, paint's no longer 20 bucks a gallon, you know what I mean? No, but it's still your cheapest, cost-effective way uh to add value to the room. Freshen it up. Yep. And a lot of times we walk into a place and people, you know, the buyers are like, oh, fresh paint. That tells them we've done work to the home. I agree. So it's a it's an old factory sense that you know tells them like we're we care and we're making uh changes. Um, if you have the opportunity, there are some uh cost-effective cabinet uh resurfacing options if you're able to maybe sand them down. Uh, I know Rust William has a kit that you can kind of uh restain them again. That adds more, you know, it it adds visual value.
SPEAKER_03If not, even just the fixtures on the cabinets makes a world of different I agree.
SPEAKER_01Absolutely, I agree. No, that's right. Very good point. If you have sometimes they don't match, make sure that you know the exact size.
SPEAKER_00Perfect. And I was gonna mention that is hardware. Hardware is the biggest thing. Yeah, and uh I would say, you know, use your your big provider such as Amazon, things like that. You can buy bolt packs, uh, not putting down the other businesses. Yeah, uh, but there's a lot of great options there.
SPEAKER_01So now I'm gonna stop you because I'm gonna jump too. I said so. You said about paint. Yep. Um, so my favorite is the door, your front door. If you can paint it black, yeah, paint it a nice dark color, what happens is it usually just shouts out and says, Wow. Uh a white door is nice, don't get me around. And I wouldn't want you to go slap paint on it just to paint it black. But if it's done well, a nice, newly, freshly painted front door sure screams, wow. And now the other thing is, and again, and I'll just say is when we look at you know, ways of you know, um keeping the budget down while trying to sell, I always believe it's waist up. So when you're walking through a home, what's waste up? So the paint, you're right, but even your light fixtures, right? And you get now flow though, right? You want the same similar light fixtures throughout. You don't want some chandelier here, chandelier here, some white lamp here, some white light here, some brass here, some pewter here, and then some black. You want to try to have it so that again the symmetry and the similarity throughout is very important.
SPEAKER_05And keeping in mind things like if you have a small room, you don't want something big and you know it's a you want to you wanted to utilize the space and make the space look that's right. So you're gonna have something closer to flush on the ceiling and more modern and it's gonna it's gonna really stand out, right?
SPEAKER_01Expressive, impressive, but not obtrusive, right?
SPEAKER_00So you got if you practice that this morning. Oh, jeez, yeah, salad, yeah.
SPEAKER_01So what else you have?
SPEAKER_00Um, real quick, um, if you had older appliances and they really you've been thinking about upgrading them anyway, and if it is an option for you, stainless steel goes a long way. Again, that's kind of the high end of where I want your budget to be. Yeah, because stainless steel appliances will cost you. Uh, again, it's all about that that first appearance and and people coming in and feeling like this is going to be my home.
SPEAKER_01Well, kitchens, bathroom, cell, right? So if you're going to focus, those are the two areas that, again, a lot of times we'll help sell your own. Absolutely. Okay.
SPEAKER_00And if um you you love your, you know, having a green thumb, a couple bags of mulch goes a long way too. Let's say you got a flower bed or something like that, just freshening up some mulch. That's right. Again, these are all cost-effective ways um to kind of you know, spruce up the place. And again, we're very visual place. Like you say, waist up. We're very visual people.
SPEAKER_01And we have a rule that 15 seconds, your first 15 seconds at the hole, not in the hole, but at the hole, is going to really determine whether or not they're considering buying that hole. So, again, having that curb appeal, having the door, opening it up, and seeing that fresh paint, what a way to really make it impressive. Okay. So it's been a slice. Yeah. Hassy Das Ritney Donald here. Appreciate you joining us. Yes, and I know we'd love to have you back sometime. Yeah, you freeze up the place. Yes, sir. So, what we'll do is this we would love to see you at the home show. We will tell you that we look forward to our next podcast. And other than that, I'm Tim Somerville.
SPEAKER_00And I'm Michael Dempsey.
SPEAKER_01And this is Off the Market with Team Somerville.