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[Music] weve got a question here its a its a its a beast and it is the first question that were going to tackle today because its going to take up a bit of the episode and its a question that could have its own episode but were going to bring this in so just to just to confirm what the next questions are just in case this isnt really a jam and youre thinking do i still listen so weve got some questions on about buying etfs in australia versus overseas and weve got another question about drps and a question about using broker data the first question however is the big one which is from bryce from port hedland yes which is in wa if im not mistaken so hi to bryce and all your guys bryce gday mate and thanks for sharing the podcast around with your friends in port hedland he writes in maybe did you want to read out his question yes so heads up this is about margin loans so first long time listener first time commenting says bryce with interest rates so low are more people ta