I try to predict what will happen with the Melbourne RE market in 2021. In particular, in the inner West and inner North for houses and townhouses. The stock seems to be very low in many areas (all areas?). What do you think will happen in March when traditionally more properties hit the market? More stock and prices will go down? Will the end of the mortgage "holidays" in March affect the market (e.g. more people will be putting their properties on the market?) Will the end of the tenant eviction moratorium (in March again) effect the stock/prices?