Thank you for sending the baseline numbers.

One question: the ~$75k non-mortgage debts figure is a surprise to me, and I’d like to understand it better. Can you share a quick breakdown of what that includes (which accounts / renovation items, and approximate balances)?

Also, can you clarify which accounts you’re including in the ~$65k savings number?

I just want to make sure we’re working from the same baseline before counsel models anything.