Louis Christopher from SQM Research predicted that house prices in the two largest capital cities will have double-digit growth in 2020. That is a quite bullish prediction. Louis is probably the most reputable property market analyst and forecaster in Australia with a good track record in housing market prediction. I think it is quite possible that his prediction is right, but I believe in the next 5 years the annual growth still will be below the historical average, maybe 2-3% per year. This is because I believe the two markets are still quite overvalued. I am not comfortable in investing in today's Sydney ad Melbourne markets and will keep investing in other states. What is your thought on the forecast?