it is going to be a hell of a hike for them- it is going to be a hell of a hike for them. :, i. , . it is going to be a hell of a hike for them. :, ,, , : , for them. have you experienced this in our for them. have you experienced this in your career for them. have you experienced this in your career before? for them. have you experienced this in your career before? how - for them. have you experienced this in your career before? how are i in your career before? how are you able to manage this when you are giving advice to your customers? t giving advice to your customers? i was doing the student the credit crunch, and it was a slightly different than because no money compared to now i was doing this during the credit crunch. so these are pre credit crunch rates, but of course back then everybody thought they were normal, so what has happened is we have had a generation of people who think that below 2% interest rates are normal, and that this is abnormal, whereas in fact we liv