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foreign okay so Im so pleased to welcome today to our show Ron Butler hi Ron thanks for joining us on the Moose smartly show hey great to be here thanks very much for having me I love following you on your Twitter account at Ron mortgage guy where you describe yourself as the big old overly opinionated mortgage broker who is worried about the future of housing for average Canadians although Im not saying anything about the big old overly opinionated part is clearly obvious mortgage industry over the years and why youve come to uh to this concern about Canadian housing in general well you know Ive been doing it for a long time about 28 years and some of the things that theres just some dramatic changes like set aside the ridiculously high prices the batshit Crazy Prices okay set aside that theres been just a tremendous level of change and the most worrisome part about the changes is that when I first started in the mortgage business very average people were buying houses so you c