@OnlyOnezy@FLGatorTrader Typically 5 year terms in Canada. With many refinancing over the last 2 years or so, 2025 will be painful for people renewing at rates much higher then the 2-3% they originally got.
@CoiledSpringPro I think it's coming for many companies. I know we are on a freeze and headcount is a hot topic for next year as all our growth models are flattening.