smith, bbc news in skipton. joining me now is mercedes osborne, director of pointers financial a mortgage advisory firm in devon.e've never, ever seen it, in the years that me and my colleagues have been doing this, so many rate changes. 50 have been doing this, so many rate chances. :, have been doing this, so many rate chances. ., , :, have been doing this, so many rate chances. ., ,:, , have been doing this, so many rate chances. ., , ., changes. so what sorts of calls have ou had, changes. so what sorts of calls have you had. and _ changes. so what sorts of calls have you had, and how— changes. so what sorts of calls have you had, and how anxious— changes. so what sorts of calls have you had, and how anxious our- changes. so what sorts of calls have i you had, and how anxious our people? very anxious, we've had lots of client news from legacy clients phoning us, asking what to be doing, should we be changing something, should we be changing something, should you be doing something for us? many of us are on fixed rates, so the news doesn't really apply to them at the moment, they may have 1-8 them at the mome