have then risen national insurance and we now have then the real hard and cold assessment of what s happening, economic assessment of what s happening, economic think things have taken a look economic think things have taken a look so. economic think things have taken a look. so, yes, one of the things that s look. so, yes, one of the things that s happening is that mortgage payments might be coming up. but this is payments might be coming up. but this is basically because the bank of england is expected to raise the base rate of england is expected to raise the base rate from 0.1% to 0.25% and this was base rate from 0.1% to 0.25% and this was last during the coronavirus pandemic this was last during the coronavirus pandemic as a physical measure to try and pandemic as a physical measure to try and help the economy. and now it s expected that it will go back up and it s expected that it will go back up and that then leads to a knock on in terms up and that then lead