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this is a big topic uh and uh its brave to try and uh cover this adequately in 30 minutes uh you have in the files in front of you a series of long notes as well as the um as well as uh the slides from this talk so have a look at the long notes uh when you uh when you have some time on your hands uh the reason why i thought it was an appropriate uh topic to address at this stage is from my own personal experience ive seen quite a docHub increase in these sorts of cases coming across my desk in the last few months some of them are historic they refer to things that have happened some time ago but quite a number of them are actually involved transactions that have arisen during the pandemic and i think there is a a number of reasons why that is so ing to a recent survey by aviva 50 percent of people who bought during the pandemic regret now how much they paid 23 percent paid more than the asking price 94 said they felt pressured into buying and didnt pay enough attention to the p