a question here from dinesh who makes reference to what happens in the us, he says why can't we haveng a property of a similar value so you don't have to end up paying down chunks of the mortgage and then you will be affected by the early repayment charge. you can fix your mortgage for longer. whether these deals will be available in the coming days because of all the turbulence, i don't know, but you have to look carefully at the early repayment charges and again to echo what sam said, it is a good one to talk to your mortgage broker about rather than making that kind of long—term decision on your own. just than making that kind of long-term decision on your own.— than making that kind of long-term decision on your own. just to add to what sarah — decision on your own. just to add to what sarah said, _ decision on your own. just to add to what sarah said, you _ decision on your own. just to add to what sarah said, you do _ decision on your own. just to add to what sarah said, you do pay - decision on your own. just to add to what sarah said, you do pay for - decision on your own. ju