. We would like to show you a description here but the site won’t allow us. Aug 16. “GS: Australian capital-city dwelling prices rose +0. christopher joye on Twitter: "A property I heard about was. It’s funny because traders on the street know that on Friday mornings, I will be buried in one. Both of which disproportionately affect the bottom 50% of households. Immigration is still big in Aus. ALT. Log in What does the Credit Suisse bail-in of its hybrids mean for Aussie bank hybrids? @cjoye Back in 2017 I wrote about a small number of Tier 2 and AT1 structures from Genworth + ME Bank that did not convert to equity (ie, went straight to write-off) and which could invert the capital structure hierarchy - predicting a situation where shareholders would push for AT1 or T2 write-offs to minimise their losses, just as happened. au “GS have published research on what Australia's inflation rate looks like using the new monthly data, crucially excluding items the ABS does not collect information on (and imputes to have no change). christopher joye on Twitter. 3:30 AM · May 20, 2022 · Twitter Web App. 7% in 11 days of Aug); Melb down 3. 13 Jun 2023 05:35:09“RT @rogerkermode: I reckon there are two generations of ‘finance dudes’ who have never seen high inflation and cannot comprehend the fear i…”christopher joye on Twitter: "RBA now on track to hike rates in June given upside surprise to today's inflation, lifting the cash rate from 3. We have unscrambled the letters cjoye (cejoy) to make a list of all the word combinations found in the popular word scramble. We would like to show you a description here but the site won’t allow us. GS have published research on what Australia's inflation rate looks like using the new monthly data, crucially excluding items the ABS does not collect information on (and imputes to have no change). In this conversation. The real problem, people still spending and employment strong. We would like to show you a description here but the site won’t allow us. This will in turn demand radical attitudinal change from entitled millennials who have never experienced high…. Property is ‘sleepwalking’ towards its biggest test since the GFC. ”We would like to show you a description here but the site won’t allow us. Even with yields down. A controversial article by Christopher Joye, an outspoken investment portfolio manager and columnist for the Australian Financial Review, has. would like to show you a description here but the site won’t allow us. Verified account Protected Tweets @; Suggested [email protected]! From US2yr notes to the Russell2000 and Peleton, Netflix, AfterPay etc etc etc. 76% from 0. 7% on 376 auctions (@corelogicau) vs 49. You are right to hesitate on price directions for houses - low listings are contributing to price stability, but so are rents increasing by 25% ($120 pw on $500 pw) and many buyers paying cash (not first home buyers). ALT. …”We would like to show you a description here but the site won’t allow us. @cjoye RBA speech just published: almost 30% of Aussie borrowers will suffer a more than 40% increase in their mortgage repayments if the RBA lifts the cash rate by 300 basis points, though concludes everything will be ok in that event. Interest rates have soared, but commercial property values have barely moved. ”We would like to show you a description here but the site won’t allow us. Prepare for equities and property pain. 92. com. Sitting on $6. Job cuts over 18mo. @TheKouk · Jul 8. Sign upchristopher joye @cjoye. Property is ‘sleepwalking’ towards its biggest test since the GFC. Immigrants need groceries, cars, bank accounts, etc”“Westpac data shows that exactly 50% of all borrowers are less than one month ahead on their mortgage repayments, or behind. afr. 4%. ·. Higher long-term risk-free cash rates are going to create a protracted pain trade for risky assets. @cjoye. #ausecon @felicity_emmett @AdelaideTimbrel. 4. I doubt the rise over the previous Q was sustainable, given the reduction in borrowing power. We would like to show you a description here but the site won’t allow us. . We would like to show you a description here but the site won’t allow us. 3. So presumably brought their first home. We would like to show you a description here but the site won’t allow us. “I did a podcast interview with Koda's David Clark on the coming commercial real estate crash, why a second phase of the housing correction will emerge, the looming. In this conversation. We would like to show you a description here but the site won’t allow us. christopher joye on Twitter. In levels terms, capital-city dwelling prices…” Higher long-term risk-free cash rates are going to create a protracted pain trade for risky assets. Sydney is off 10. No wonder RBA is slowing down. By Huobi announced $18. We would like to show you a description here but the site won’t allow us. ConversationSee new Tweets. 25pc and possibly beyond, also raising risk RBA hikes past 3. 3. Considering the RBA's housing price model predicts some pretty major price falls if rates rise 1%, it would be interesting to see how falling real wages may potentially exacerbate that. The real problem, people still spending and employment strong. Grrrr”“@cjoye Thoughts on bank and esp. 30% drop wipes out 40% of gains! Its so bad REINZ has taken down old reports!”“@ddtraderr @cjoye Ummmm Yes they can refinance however this is happening because interest rates are rising ⬆️⬆️⬆️ They may be able to refinance if they paid off enough, and if the properties have appreciated in value That’s a few “ifs” in there Overall, the situation is grim at beset”“3x crypto banks now dead: Silvergate; Silicon Valley; and Signature. 2B cash! @cjoye Aussie house prices now correcting fast as rates rise, led by Sydney and Melbourne: RBA will struggle to lift past 1. 6 billion Snowy Hydro…We've been forecasting a US recession since Jan 2022, which the market has recently converged on. We would like to show you a description here but the site won’t allow us. Interesting to see Treasurer Jim Chalmers trying to directly jawbone the RBA into not hiking by arguing that the inflation result does not meet. We would like to show you a description here but the site won’t allow us. Sign upWe would like to show you a description here but the site won’t allow us. We would like to show you a description here but the site won’t allow us. 9:35 PM · Aug 9, 2022 · Twitter Web App. Maybe u can get annoyed that the advertisers allowed this ad? But Matt Damon isn't a financial expert, how is he gonna predict what happens in mkts in 2022, lol. We would like to show you a description here but the site won’t allow us. “@KurtMickan @cjoye If the current conditions remain I would expect prices to fall. 10:21 PM · Jul 8, 2022 · Twitter for iPhone. @cjoye The monthly CPI showed underlying inflation remains uncomfortably high, tracking above the RBA’s forecast profile and placing pressure on the RBA to hike again in July, where its peers are confronting the same problem of it taking too long for inflation to return to target with much higher interest rates. . ”“@Fuffalufaguz @cjoye I bought at top 23 year old fixed rate 14 percent price tanked was in negative equity for 10 years house needed totally renovated sold for same price after all interest bills and pound bought nearly half what it would everyone is conned by media having to have what everyone has”We would like to show you a description here but the site won’t allow us. “@cjoye @PeteWargent Both this and Labor shared equity policy are attempts to shore up supporter bases/buy votes. Australia needs to produce more with fewer people. 7%. Investors want little to do with a sector heading for a big dose of reality. It’s like the economy has cancer and our doctors wants to stop treatment caus we’re feeling nauseous from the chemo 🤦♂️ @cjoye True, but houses / home units are hard to beat. @cjoye And then the currency will fall, inflation will accelerate and rates will need to go even higher than they would’ve needed to in the first place. New RBA analysis shows that between 15% and 17% of all Aussie borrowers are likely to experience negative cash-flows as a result of rate hikes in the RBA's base-line and adverse scenarios“@KellyAlspals @cjoye ALD share price hasn't moved much, so either no productivity or wage-rate spiral imo. Log in Another story this morning with fresh quotes from NSW Treasurer @dmookheyMLC on paying back the Liberal Party's $100bn debt explosion: "When asked about the $40 billion in managed funds administered by the state’s debt arm, Treasury Corp, including a $1. Last Friday was a normal day for us: we did about $450m of trades, and I actively directed ~$300m of them. “@cjoye Modi had highest voters support among all democratic countries! As Paul Keating repeatedly pointed out, Albo is just a sucker!”We would like to show you a description here but the site won’t allow us. In levels terms, capital-city dwelling prices…”@cjoye. I suspect the increased earnings (and potentially profit) of the big players in ASX 200 might offset increases in discount rates. We would like to show you a description here but the site won’t allow us. ”We would like to show you a description here but the site won’t allow us. 1%, declining at a 17% annual rate, while Brisbane prices fall at 20% annual rate bit. Retweets. . Conversation“@cjoye who would have thought lending money to a government with a printing press that practically can't default would result in potentially the 2nd largest bank collapse in US history 😄”In this conversation. 11. “No strong view on NSW election other than that NSW Labor Treasurer Daniel Mookhey is the smartest and hardest working politician I have ever dealt with in my life @dmookheyMLC @ALeighMP” Well you called it when you said we could likely have another series of rate hikes after the pause @cjoye. We would like to show you a description here but the site won’t allow us. . We would like to show you a description here but the site won’t allow us. Retweets. Verified account Protected Tweets @; Suggested users“@ChandAshok @cjoye Totally agree re government mistakes but struggle to understand why ‘independent organisations’ have the power to dial up the misery of Australians in the form of unemployment and increased costs of lending. Binance Australia selling bitcoin $6k cheaper than other exchanges. So how does this effect them? I would have thought ppl who regularly buy/sell homes or were looking to cash out for retirement would be more affected?”We would like to show you a description here but the site won’t allow us. "It's global cyber war out there". We would like to show you a description here but the site won’t allow us. non-bank wholesale funding costs? Seems like there is further upward pressure from o/s debt markets coming here which could even further exarcebate the fixed to variable, and those currently on variable. 3. christopher joye @cjoye 7h One of the more interesting questions going around is whether bonds issued for environment, social and/or governance (ESG) purposes attract a lower of cost of capital than normal debt instruments without an ESG label. Likes. Sign upLog in. Just think your narrow focus on interest rates as the main driver of house prices and that prices will fall 30% is consistent with many of you other views. We would like to show you a description here but the site won’t allow us. Plus ,Bitcoin and Ethereum are down less than tech stocks. Interesting to see Treasurer Jim Chalmers trying to directly jawbone the RBA into not hiking by arguing that the inflation result does not meet the "material" upside surprise test Bullock set - despite every economist and the market saying it does. Verified account Protected Tweets @; Suggested users“@cjoye @ALeighMP @Charlton_AB @DanielMulinoMP @AlboMP @JEChalmers Genuine question/thought. Sign upIn this conversation. We would like to show you a description here but the site won’t allow us. Australia faces "largest and longest house price correction in history" - MacroBusiness. We would like to show you a description here but the site won’t allow us. . “@cjoye Sir. Verified account Protected Tweets @; Suggested users The data always tells a story and sticky inflation makes it impossible to see an upside with House prices til Q1 maybe even Q2 2024 Bear market like the 1 we are in. @cjoye @PodcastFear. Verified account Protected Tweets @; Suggested usersSign up. See new TweetsNothing like purposely using a log graph to make it look like it has barely crashed everMassive downside miss for Aussie monthly inflation - RBA should pause and if they hike in December they will struggle to do much more. 7%; Brisb off 1. Sign upWe would like to show you a description here but the site won’t allow us. This chart from Bloomberg provides a good summary of consensus estimates. This will in turn demand radical attitudinal change. Forecast looks good. We would like to show you a description here but the site won’t allow us. However, the. Wonderfully cherry picked data in desperation to keep credibility of the narrative that allows them to be defenders of last resort of the great Australian credit fuelled housing bubble. We would like to show you a description here but the site won’t allow us. Some areas down -25. We would like to show you a description here but the site won’t allow us. “The great regime change: growth and cheap money are dead of risky assets ‘living in a parallel universe’ - A recession may be precisely the jolt lackadaisical Millennials require to lift their game. Verified account Protected Tweets @; Suggested usersLog in. A 30year investment for most. 2%. "We would like to show you a description here but the site won’t allow us. Massive portion of the population realising they are not going to achieve an acceptable basic standard of living. 2021 Olympic Medalist, Joey Lye, shares stories and insight into some of the mental skills and strategies that prepared her [email protected] million in crypto cant be withdrawn on FTX- $13. Embarrassingly wrong. Acquire everything! It’s a bull market! Equities are cheap! The buy-the-dip-reflex will prevail! Central banks will slash rates and lift their inflation targets!We would like to show you a description here but the site won’t allow us. Log in. We would like to show you a description here but the site won’t allow us. 3%, Melbourne/Brissie both down 6. Given the number of markets that have had this set up and tanked. 9% vs 56. “@cjoye Japan took over 10 years from peak to 'bottom' with a similar size bubble. 1:24 AM · Jul 9, 2023 · 10. “RBA may be told to hold press conferences; Barrenjoey talk queried would like to show you a description here but the site won’t allow us. This marks a turning point in your powers. @cjoye Sydney house prices have fallen 11. Find great real estate professionals on Zillow like cjoyeThere are 9 words found that match your query. We would like to show you a description here but the site won’t allow us. Victoria's annual interest bill on its debt will rise towards $9 billion/yr by 2027 according to CBA analysis. Crypto is toxic”We would like to show you a description here but the site won’t allow us. ly/3pmX9Dk. 1%, declining at a 17% annual rate, while Brisbane prices fall at 20% annual rate bit. @cjoye posits #stock are 20% overvalued given the 5% discount rate -> seeing this in earnings #mastercard and #carnival both accelerating earnings, but not rewarded post. See charts below for the latest daily index data for Syd/Melb @cjoye banks are throwing everything to keep the arrears off the books, giving repayment holidays, turning loans into 30-40 year mortgages interest free, & CBA anyone ahead on their loan schedule are getting repayment discounts! @cjoye I think you’re missing a factor from your interest rate property price calculator, how many investors were using a rising market to facilitate/service their loans, buy new properties& hide some properties under company trusts to hide their debt positions. “GS: Australian capital-city dwelling prices rose +0. they all roll over the same. States need fiscal revolution to avoid debt bomb - our analysis on NSW and Victoria. May 15, 2023 - 9:29AM. Replying to . then the printing starts again leading to further dilution of currency . Melb also up: 67. @cjoye. 30 Nov 2022 01:03:22 Australia faces "largest and longest house price correction in history" - MacroBusiness In this conversation. RT @CommSec: In our latest Executive Series interview we sat down with @cjoye from Coolabah Capital to chat about wide range of issues including recent collapse of. Verified account Protected Tweets @; Suggested usersWe would like to show you a description here but the site won’t allow us. . First time I've properly suited up in a long while. True, but houses / home units are hard to beat. @Dante57112893. Sign upDay of valuations reckoning looms for commercial real estate owners, valuers and auditors. We would like to show you a description here but the site won’t allow us. “@bluntman_eth @Tombeecon @cjoye So they just entered the real estate market. @cjoye I still haven’t seen you clearly outline why rates will stay high over the medium to long term, when nothing has fundamentally permanently changed since 2019. @cjoye In an apartment complex of 100, it only takes 2 or 3 sales to mark down the whole 100. Sign up“@JohnQuiggin @cjoye We're here because Reagan & Thatcher's neoliberal agenda of crushing unions by offshoring manufacturing to China (& continued by Clinton & Blair) . 9. @cjoye/Twitter) Shark clamps onto diver's leg as blood and screams pour out in attack video. 9:26 PM · Aug 15, 2022 · Twitter Web App. Sign upSee new Tweets. “Morning!”We would like to show you a description here but the site won’t allow us. 7%. We would like to show you a description here but the site won’t allow us. Try and think of the whole story not the macro people want you to hear and fear”In this conversation. Sign upLog in. The news is not good: "We construct a new ‘weighted-median’ measure of underlying inflation based on a truncated monthly CPI. Why are they silent on the stock NFLX performance???”“Westpac/MI Australian Consumer Confidence now lower than GFC levels--and aside from March 2020, the lowest since 1990. . au. Games fiasco will leave business shaking its head at Victorian farce. We would like to show you a description here but the site won’t allow us. We would like to show you a description here but the site won’t allow us. This will bring the RBA much closer to global central banks like BoE at 4. . 8 per cent, it would mean that purchasing power has been eroded by a total of 33 per cent since the RBA kicked off this cycle in May last year. There were good re“@Sporticus13 @cjoye @TheKouk I was wondering the other day how much of Wayne Swan’s unfulfilled budget surplus was the result of Koukie’s crystal ball. Our predicted housing recovery continues @FinancialReview (Prelim. And inflation isn't coming down anytime soon with rents increasing Rate cuts in 2023 will simply shoot inflation back up. 4% pa return. Verified account Protected Tweets @; Suggested usersWe would like to show you a description here but the site won’t allow us. ”While lots of people talk about the risk of war without actually understanding the odds, new research sheds light on the probability of major power conflict. . 5% pa, or 2. Honestly, we hit the limit current incomes can support. Sydney prices have fallen by 11. First miss on EPS since IPO, I think. macrobusiness. christopher joye on Twitter. afr. OAKVILLE, ON — September 1, 2022 — Today marks the start of a new chapter for JOY RADIO (CJYE) as it unveils not only a new look, but a new feel to their. It would not suprise me if the government introduces 'targeted support' which ends up pumping the market for a…”We would like to show you a description here but the site won’t allow us. Prepare for equities and property pain - my analysis. ConversationA not so tiny drop in some parts of the country. ly/3tKymvn 8:25 PM · Nov 21, 2022 · Twitter Web App@cjoye Aussie house price update to 25 July: Sydney prices down 1. . Both are inflationary to housing and do nothing to address affordability. These people need equity Plenty of people get paid goid money a d know very little of what they do The lesson is the herd mentality is alive and well On the way uo! All the way down Probability market crash epic proportions Going to be like the car market but even more acute We would like to show you a description here but the site won’t allow us. @cjoye After some cajoling, I’ve dusted off my double barrel shottie and have agreed to track, hunt and eliminate the biggest housing bull of them all: @TheKouk @cjoye And then the currency will fall, inflation will accelerate and rates will need to go even higher than they would’ve needed to in the first place. christopher joye. Verified account Protected Tweets @; Suggested users Aussie house prices are continuing to fall at a very rapid pace in December based on early data from We would like to show you a description here but the site won’t allow us. Australia experiences worst house price falls in 42 years, with more to come. 4%mom) and Melbourne (+0. “House price crash update: Syd prices down 6. 1 million in crypto cant be withdrawn on FTX- $13. . Sydney house prices plummet like it's 1983 - MacroBusiness. 6%mom) prices led the increase. S&P Reports Australian Home Loan Arrears Rose In December: S&P's Performance Index (SPIN) for Australian prime mortgages increased in December to 0. com. In this conversation. christopher joye. The bears are gonna start running for the hills when they see wolverine chasing em”We would like to show you a description here but the site won’t allow us. See new Tweets Nothing like purposely using a log graph to make it look like it has barely crashed ever Massive downside miss for Aussie monthly inflation - RBA should pause and if they hike in December they will struggle to do much more. The stunning incident occurred in the waters off Werri Beach in New South Wales on Sunday and was captured on video. 7% in July; Melbourne prices down 1. this conversation. 10% in more pain for borrowers and home owners. See new Tweets. In this conversation. Sydney house prices plummet like it's 1983. The quarterly pace of decline accelerated to. The Australian Financial. FML 🫠”“@cjoye Too corrupt and too much poverty. @cjoye. LNP for all its 'hawkishness' over China refused to develop onshore manufacturing for fear of unions. The business indicators measure of wages suggests annual growth in non-farm hourly earnings picked up to 5% in Q1, although this series has grown more strongly than the RBA’s series over the past year. CHRIS JUDD’S Masters of the Market Masters of the Market is back for 2021 and the first episode of the year is with CIO of Coolabah Capital and columnist for the AFR, Chris. Aussie housing collapse spreads as Brisbane joins the Sydney and Melbourne crash bit. Verified account Protected Tweets @; Suggested usersWe would like to show you a description here but the site won’t allow us. “Pretty clear RBA has been spooked by house price collapse, which is only going to get worse”christopher joye on Twitter. Don’t know anyone else that predicted that. 1 – weakest reading since the depths of the early-1990s recession, Hassan said. ConversationIn this conversation. new Tweets. 5%. Verified account Protected Tweets @; Suggested users “Worst house price declines in 42 years, with more to come. 1:56 AM · Jul 29, 2022 · Twitter Web App. There was only one way to go. christopher joye on Twitter: "Morning!" / Twitter. 2 days ago. Sign upNSW Treasurer Daniel Mookhey today reveals that Perrottet/Kean had planned to burden NSW taxpayers with another $25bn of debt to allow their investment arm, TCorp, to punt this money on stocks. 4% followed by Brisbane (-8. commodities are a grand idea #BTC“Aussie house price losses exceed 10%, Sydney losses breach 14%: 43 year record in sight 'Stablecoin' Breaks Peg As Circle Admits Billions Stuck With SVB up. Wonderfully cherry picked data in desperation to keep credibility of the narrative that allows them to be. We would like to show you a description here but the site won’t allow us. “Morning!” We would like to show you a description here but the site won’t allow us. Replying to @cjoye @Harold36089778. Lower bound of our 15-25pc forecast correction could be an optimistic outcome…”Log in. Show more". Sign up Day of valuations reckoning looms for commercial real estate owners, valuers and auditors. Stock up 18%. Redirecting to /cjoye/status/1675386755422494722 Embed Tweet. “Aussie house price losses exceed 10%, Sydney losses breach 14%: 43 year record in sight “USDC 'Stablecoin' Breaks Peg As Circle Admits Billions Stuck With SVB Sign up. Sydney (+1. ”We would like to show you a description here but the site won’t allow us. com. Strong academic credentials, but limited real world experience. What’s the result?”We would like to show you a description here but the site won’t allow us. Key takeaways * 15-20% peak to trough in Australian housing prices remains the view. Bank of M&D or other exogenous injections can only go so far. Ave wage vs ave savings vs ave mortgage debt does not compute in my mind-who can afford a $600k mortgage at 7% without it destroying monthly income?”“@cjoye See through the noise with China - they are in population decline as Poor Japan v2. This chart from Bloomberg provides a good summary of consensus estimates. Log inWe would like to show you a description here but the site won’t allow us. We now expect Australia's #housing prices to fall nearly 20%, before a modest recovery in 2024 as mortgage rates fall. christopher joye on Twitter: "Credit Suisse trying to squeeze. We would like to show you a description here but the site won’t allow us. “@cjoye Chris, you do realise that we have 30,000 arrivals per month, when in April we only started 2500 new dwellings? There are people coming from overseas using foreign currency to rent or buy property with currency that has appreciated against the Aud by 15% in the past six months. com. 85% to 4. 04 May 2023 06:47:40Log in. I'm often asked how much time/effort it takes to write an AFR column. This is 70s. “Good morning!” In this conversation. They all have movies on Netflix, and Netflix is down 80%. 1. 28. Replying to. 7% in July; Melbourne prices down 1. 6% for one year but if taken from the peak in Sept 21 its -30% plus. May 2. . “Good morning!”In this conversation. 50% in 2019 to 0. Anecdote from my AFR column today: “For Australia’s inflation rate to subside, we will also need more productivity to rationalise the brisk rates of wage growth. @cjoye Cracking interview with the great Tom Piotrowski on equities, bonds, house prices, banks and pretty much everything under the sun - notably recorded before the RBA kicked off its second hiking cycle… @cjoye A tiny, single day drop in Aussie house prices evidenced in the CoreLogic daily data---is it pure noise or something more substantive as tighter policy grips? corelogic. It’s like the economy has cancer and our doctors wants to stop treatment caus. Welcome to the Complexity Premia podcast from Coolabah Capital, which is hosted by Christopher Joye, CIO and portfolio manager at Coolabah Capital. “@cjoye Step forward for transparency, but still doesn’t stop more/different things being said in other forums (or by other RBA officials). Hard to start a business or buy your first home if you can’t borrow money anywhere”“Aussie house prices moving sideways in February month to date, which is interesting. Sign upWe would like to show you a description here but the site won’t allow us. There were good reasons for very low rates (pre-covid) and those reasons haven’t gone away. According to your own chart the annualized figure for Sydney is approx 11-12%. Don’t know anyone else that predicted that. Binance Australia selling bitcoin $6k cheaper than other exchanges. We would like to show you a description here but the site won’t allow us. ”“With an inflation-targeting central bank, cash is actually one of your best inflation hedges”See new Tweets. com. . 13 Jun 2023 05:35:09 “RT @rogerkermode: I reckon there are two generations of ‘finance dudes’ who have never seen high inflation and cannot comprehend the fear i…” christopher joye on Twitter: "RBA now on track to hike rates in June given upside surprise to today's inflation, lifting the cash rate from 3. “Real interest rate hammer has yet to fall would like to show you a description here but the site won’t allow us. 2 days ago. Interesting. afr. Our subs will likely need to contain the most serious expansionist ambitions of an India we haven't yet met in the 2040s”“Huge jump in Sydney auction clearance rate to 74. We would like to show you a description here but the site won’t allow us. In this conversation. 1%; Brisbane prices down 0. Fantastic lunch event with Chris Joye @cjoye and Coolibah Capital today in Perth. We would like to show you a description here but the site won’t allow us. 75% bonds or 5,6% annuity products without losing any skin to the middleman, market would be below 4,000 point instantly! Once BoJ st“Mortgage stress to rise as RBA flags risk of higher rates in. 3%. Verified account Protected Tweets @; Suggested usersIn this conversation. @cjoye.