Performance Property

02/06/2026

𝗛𝗲𝗿𝗲 𝗶𝘀 𝗮 𝘀𝗻𝗶𝗽𝗽𝗲𝘁 𝗼𝗳 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸'𝘀 𝗣𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗿𝗲𝘀𝗲𝗮𝗿𝗰𝗵 𝗻𝗲𝘄𝘀𝗹𝗲𝘁𝘁𝗲𝗿. 𝗥𝗲𝗮𝗱 𝗯𝗲𝗹𝗼𝘄 𝗳𝗼𝗿 𝗮 𝘀𝘂𝗺𝗺𝗮𝗿𝘆 𝗮𝗻𝗱 𝗵𝗼𝘄 𝘁𝗼 𝘀𝘂𝗯𝘀𝗰𝗿𝗶𝗯𝗲.

This month we’re focusing on the trending unemployment rate.
Monitoring the percentage of a market that is unemployed is a key indicator of whether the local population will be able to afford purchasing in their market.

An increasing unemployment rate can mean that the population will not be in a position to be purchasing housing, therefore decreasing demand, and ultimately softening prices. The converse is also true - a decreasing unemployment rate will mean that the population is broadly feeling more financially secure, which will increase buying demand.

The unemployment rate is just one of many metrics we use to assess short and long term price movement.

𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲: 5.20%, up from 5.00% last month
𝗕𝗲𝗻𝗱𝗶𝗴𝗼: 3.70%, up from 3.60% last month
𝗧𝗼𝗼𝘄𝗼𝗼𝗺𝗯𝗮: 4.20%, up from 4.00% last month
𝗜𝗽𝘀𝘄𝗶𝗰𝗵: 5.90%, up from 5.80% last month
𝗦𝘂𝗻𝘀𝗵𝗶𝗻𝗲 𝗖𝗼𝗮𝘀𝘁: 3.40%, unchanged from 3.40% last month
𝗕𝘂𝗻𝗯𝘂𝗿𝘆: 3.49%, up from 3.20% last month
𝗟𝗮𝘂𝗻𝗰𝗲𝘀𝘁𝗼𝗻: 4.50%, up from 4.40% last month
𝗧𝗮𝗺𝘄𝗼𝗿𝘁𝗵: 4.80%, up from 4.30% last month
𝗪𝗮𝗴𝗴𝗮 𝗪𝗮𝗴𝗴𝗮: 3.80%, up from 3.60% last month

Want the full deep-dive — including pricing trends, affordability, vacancy vs rents, and population drivers?

𝗥𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗳𝗼𝗿 𝗮𝗰𝗰𝗲𝘀𝘀 𝘁𝗼 𝗼𝘂𝗿 𝗥𝗲𝘀𝗲𝗮𝗿𝗰𝗵 𝗣𝗼𝗿𝘁𝗮𝗹 𝗮𝘁 https://ap1.hubs.ly/y0XClN0

01/06/2026

𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮 𝗵𝗮𝘀 𝘀𝗲𝗲𝗻 𝘁𝗵𝗶𝘀 𝗽𝗼𝗹𝗶𝗰𝘆 𝗯𝗲𝗳𝗼𝗿𝗲.

One of the biggest misconceptions in this week’s commentary is that Australia is entering completely unknown territory with negative gearing reform.
Historically, that isn’t true.

In July 1985, the Hawke–Keating Government removed negative gearing entirely. The policy justification at the time closely mirrors the language used throughout the current reform discussions: reducing wage-offset benefits for higher income earners and redirecting investment toward housing supply.

What followed was significant:
• Investor participation declined rapidly.
• Vacancy rates tightened across major capital cities.
• Rental prices increased sharply, rising between 17% and 31% across the capitals within two years.

The policy was ultimately reversed within 26 months after rental market pressures and cost-of-living impacts became politically difficult to sustain.

Importantly, residential property prices did not collapse during this period. Between 1985 and 1990, median house prices across the combined capitals increased by 75.59%.

Investors who maintained long-term positions participated fully in the recovery cycle. Those who exited during uncertainty generally did not.

𝗪𝗵𝗮𝘁 𝗹𝗲𝘀𝘀𝗼𝗻𝘀 𝗱𝗼 𝘆𝗼𝘂 𝘁𝗵𝗶𝗻𝗸 𝘁𝗼𝗱𝗮𝘆’𝘀 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝘀𝗵𝗼𝘂𝗹𝗱 𝘁𝗮𝗸𝗲 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝟭𝟵𝟴𝟱 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲?
Click the link or scan the QR code to speak with our team.
https://ap1.hubs.ly/y0X74M0

27/05/2026

𝗛𝗲𝗿𝗲 𝗶𝘀 𝗮 𝘀𝗻𝗶𝗽𝗽𝗲𝘁 𝗼𝗳 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸'𝘀 𝗣𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗿𝗲𝘀𝗲𝗮𝗿𝗰𝗵 𝗻𝗲𝘄𝘀𝗹𝗲𝘁𝘁𝗲𝗿. 𝗥𝗲𝗮𝗱 𝗯𝗲𝗹𝗼𝘄 𝗳𝗼𝗿 𝗮 𝘀𝘂𝗺𝗺𝗮𝗿𝘆 𝗮𝗻𝗱 𝗵𝗼𝘄 𝘁𝗼 𝘀𝘂𝗯𝘀𝗰𝗿𝗶𝗯𝗲.

This month we’re focusing on the trending Vacancy Rate (VR).

The vacancy rate monitors the balance of supply and demand in the rental market, which can be a precursor to positive or negative price growth.

An increasing VR demonstrates a surplus of supply and/or a lack of population to absorb the supply. The converse is also true - a decreasing vacancy rate signals insufficient stock that the population is rapidly absorbing. This trend will eventually make its way into the buying/selling market.

VR is just one of many metrics we use to assess short and long term price movement.

𝗦𝘆𝗱𝗻𝗲𝘆: 1.97%, up from 1.10% last month
𝗚𝗲𝗲𝗹𝗼𝗻𝗴: 0.96%, down from 1.40% last month
𝗗𝗮𝗿𝘄𝗶𝗻: 2.14%, up from 0.40% last month
𝗖𝗮𝗻𝗯𝗲𝗿𝗿𝗮: 1.20%, up from 1.10% last month
𝗖𝗲𝗻𝘁𝗿𝗮𝗹 𝗖𝗼𝗮𝘀𝘁: 1.45%, up from 1.00% last month
𝗕𝘂𝗻𝗱𝗮𝗯𝗲𝗿𝗴: 2.24%, up from 0.70% last month
𝗠𝗮𝗰𝗸𝗮𝘆: 2.20%, up from 0.90% last month
𝗣𝗼𝗿𝘁 𝗠𝗮𝗰𝗾𝘂𝗮𝗿𝗶𝗲: 1.07%, up from 0.80% last month
𝗪𝗼𝗹𝗹𝗼𝗻𝗴𝗼𝗻𝗴: 1.10%, up from 0.40% last month

Want the full deep-dive — including pricing trends, affordability, vacancy vs rents, and population drivers?

𝗥𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗳𝗼𝗿 𝗮𝗰𝗰𝗲𝘀𝘀 𝘁𝗼 𝗼𝘂𝗿 𝗥𝗲𝘀𝗲𝗮𝗿𝗰𝗵 𝗣𝗼𝗿𝘁𝗮𝗹 𝗮𝘁 https://ap1.hubs.ly/y0WsSx0

25/05/2026

𝗬𝗼𝘂𝗿 𝗱𝗲𝗱𝘂𝗰𝘁𝗶𝗼𝗻 𝗱𝗶𝗱𝗻’𝘁 𝗱𝗶𝘀𝗮𝗽𝗽𝗲𝗮𝗿. 𝗜𝘁 𝗺𝗼𝘃𝗲𝗱.

One of the most common reactions from investors this week has been:
“I’ve lost the tax break.”

In reality, the deduction hasn’t disappeared. The mechanism for using it has changed.

Under the proposed rules, losses on established residential property purchased after 1 July 2027 can still be applied in several ways:
• Offset against positively geared residential property within a portfolio
• Carried forward against future rental income once the property becomes positively geared
• Carried forward against CGT on future residential property disposals

A simple example from our research division highlights the point:

One property produces +$24,000 in income. Another records a $16,000 loss.

Under the old rules, the loss offsets salary income. Under the proposed rules, it offsets the positively geared property income instead.

Net tax outcome? Identical.

The deduction still exists. It has simply shifted from one income source to another.

For investors with a well-structured portfolio, the practical impact may be materially different from the public narrative.

𝗪𝗵𝗮𝘁 𝗮𝘀𝗽𝗲𝗰𝘁 𝗼𝗳 𝘁𝗵𝗲 𝗿𝗲𝗳𝗼𝗿𝗺 𝗱𝗼 𝘆𝗼𝘂 𝘁𝗵𝗶𝗻𝗸 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝗮𝗿𝗲 𝗺𝗶𝘀𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗺𝗼𝘀𝘁?

Click the link or scan the QR code to speak with our team.
https://ap1.hubs.ly/y0W0yZ0

22/05/2026

𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝘁𝗵𝗲 𝗙𝗲𝗱𝗲𝗿𝗮𝗹 𝗕𝘂𝗱𝗴𝗲𝘁 𝟮𝟬𝟮𝟲 𝗺𝗲𝗮𝗻 𝗳𝗼𝗿 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝗺𝗼𝘃𝗶𝗻𝗴 𝗳𝗼𝗿𝘄𝗮𝗿𝗱?

A big thank you to everyone who joined our recent Federal Budget Webinar presented by Performance Property, The Australian Lending & Investment Centre and PGP Consulting Pty Ltd.

We also want to thank our guest speakers:
• Phillip Almeida, Co-Founder & Director of Performance Property
• 𝗠𝗮𝗿𝗸 𝗗𝗮𝘃𝗶𝘀, Director and Co-Founder of The Australian Lending & Investment Centre
• 𝗗𝗮𝗺𝗶𝗮𝗻 𝗕𝗿𝗮𝗻𝗱𝗲𝗿, Managing Director of The Australian Lending & Investment Centre
• 𝗡𝗶𝗰𝗸 𝗦𝗰𝗵𝗮𝗲𝗳𝗳𝗲𝗿, Chartered Accountant & Business Adviser at PGP Consulting Pty Ltd

The session covered key Federal Budget announcements and what they could mean for:
• Property investors
• Lending and borrowing capacity
• Tax strategy and structuring
• Long-term wealth creation opportunities

It was a valuable discussion with great insights shared across property, finance and tax strategy.
If you missed the live session, the full webinar replay is now available on our YouTube channel.

https://youtu.be/kJJNb_bj1Ao

Federal Budget 2026 has introduced a range of announcements that co...

22/05/2026

𝗪𝗵𝗮𝘁’𝘀 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗲𝗱.

𝗙𝗼𝘂𝗿 𝘁𝗵𝗶𝗻𝗴𝘀 𝘁𝗵𝗲 𝗖𝗚𝗧 𝗰𝗵𝗮𝗻𝗴𝗲𝘀 𝗱𝗼𝗻’𝘁 𝘁𝗼𝘂𝗰𝗵 𝗮𝗻𝗱 𝘄𝗵𝘆 𝘁𝗵𝗲𝘆 𝗺𝗮𝘁𝘁𝗲𝗿 𝗳𝗼𝗿 𝗵𝗼𝘄 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝘀𝗵𝗼𝘂𝗹𝗱 𝗯𝗲 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗶𝗻𝗴 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄.

Most of the conversation this week has focused on what’s changing. But several important parts of the framework remain untouched, particularly for investors with established portfolio structures.

1. SMSFs are fully excluded.
CGT inside a self-managed super fund stays at 10%.

2. New builds keep full optionality.
Investors in newly constructed residential property can choose between the 50% discount and the new indexation model at the time of sale, taking whichever produces the better outcome.

3. Carried-forward losses can offset CGT across your portfolio.
Losses accumulated through negative gearing can now be used to reduce CGT liability when selling residential property across a portfolio, not only against the specific property that generated the loss.

4. Pre-2027 gains are grandfathered.
Growth accrued before 1 July 2027 retains the 50% discount regardless of when assets are eventually sold.

Portfolio structure and asset selection matter more now than they did six months ago. Investors who understand how these rules interact may be better positioned over the long term.

Understand what these changes could mean for your strategy.
Click the link or scan the QR code to speak with our team.
https://ap1.hubs.ly/y0Tq3l0

𝗔𝗿𝗲 𝘆𝗼𝘂 𝗰𝘂𝗿𝗿𝗲𝗻𝘁𝗹𝘆 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝗮𝗻 𝗦𝗠𝗦𝗙, 𝘁𝗿𝘂𝘀𝘁 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲, 𝗼𝗿 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝘃𝗲𝗵𝗶𝗰𝗹𝗲?

21/05/2026

𝗛𝗲𝗿𝗲 𝗶𝘀 𝗮 𝘀𝗻𝗶𝗽𝗽𝗲𝘁 𝗼𝗳 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸'𝘀 𝗣𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗿𝗲𝘀𝗲𝗮𝗿𝗰𝗵 𝗻𝗲𝘄𝘀𝗹𝗲𝘁𝘁𝗲𝗿. 𝗥𝗲𝗮𝗱 𝗯𝗲𝗹𝗼𝘄 𝗳𝗼𝗿 𝗮 𝘀𝘂𝗺𝗺𝗮𝗿𝘆 𝗮𝗻𝗱 𝗵𝗼𝘄 𝘁𝗼 𝘀𝘂𝗯𝘀𝗰𝗿𝗶𝗯𝗲.

This month we’re focusing on the trending median gross yield.

The median gross yield shows the ratio of the median rent into the median price. Tracking the relationship between these two metrics is important, because rental growth can foreshadow price growth.

An increasing median gross yield rate therefore means that rental growth is outpacing price growth. This is a positive sign, because it means that holding costs will be lower in the short-term, and price growth may be expected in the medium-term. The converse is also true - a decreasing median gross yield signals that the house price is outpacing rental growth. This can be positive for short-term price growth, however the market may have already undergone significant price growth, and may therefore have less forecasted growth.

The gross rental yield is just one of many metrics we use to assess short and long term price movement.

𝐁𝐫𝐢𝐬𝐛𝐚𝐧𝐞: 3.26%, down from 3.84% last month
𝐁𝐚𝐥𝐥𝐚𝐫𝐚𝐭: 3.84%, down from 4.02% last month
𝐑𝐨𝐜𝐤𝐢𝐧𝐠𝐡𝐚𝐦: 3.96%, up from 3.92% last month
𝐍𝐞𝐰𝐜𝐚𝐬𝐭𝐥𝐞: 3.36%, down from 4.38% last month
𝐇𝐨𝐛𝐚𝐫𝐭: 4.16%, down from 4.27% last month
𝐂𝐚𝐢𝐫𝐧𝐬: 4.66%, down from 4.84% last month
𝐓𝐨𝐰𝐧𝐬𝐯𝐢𝐥𝐥𝐞: 4.39%, down from 4.59% last month
𝐌𝐢𝐥𝐝𝐮𝐫𝐚: 4.78%, down from 5.00% last month

Want the full deep-dive — including pricing trends, affordability, vacancy vs rents, and population drivers?

𝗥𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗳𝗼𝗿 𝗮𝗰𝗰𝗲𝘀𝘀 𝘁𝗼 𝗼𝘂𝗿 𝗥𝗲𝘀𝗲𝗮𝗿𝗰𝗵 𝗣𝗼𝗿𝘁𝗮𝗹 𝗮𝘁 https://ap1.hubs.ly/y0Tq3J0

21/05/2026

𝐖𝐡𝐚𝐭 𝐭𝐨 𝐝𝐨 𝐧𝐞𝐱𝐭.

𝗪𝗲'𝘃𝗲 𝘀𝗲𝗲𝗻 𝗲𝘃𝗲𝗿𝘆 𝗽𝗼𝗹𝗶𝗰𝘆 𝗰𝘆𝗰𝗹𝗲 𝗳𝗼𝗿 𝗼𝘃𝗲𝗿 𝟰𝟬 𝘆𝗲𝗮𝗿𝘀. 𝗛𝗲𝗿𝗲'𝘀 𝘄𝗵𝗮𝘁 𝗹𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝘄𝗵𝗼 𝗰𝗼𝗻𝘀𝗶𝘀𝘁𝗲𝗻𝘁𝗹𝘆 𝗯𝘂𝗶𝗹𝗱 𝘄𝗲𝗮𝗹𝘁𝗵 𝘁𝗲𝗻𝗱 𝘁𝗼 𝗳𝗼𝗰𝘂𝘀 𝗼𝗻 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁𝗹𝘆.

We started this series to provide clear, evidence-based information around the proposed reforms, rather than reactive commentary.

So after everything discussed this week, the key question becomes: what should investors actually do next?

In our experience, successful investors are rarely the ones who perfectly time markets. They're the ones who consistently focus on the factors they can control:

• Investing in markets with strong supply and demand fundamentals
• Building a long-term strategy aligned to their goals
• Maintaining realistic debt serviceability assessments
• Holding sufficient liquidity and cash buffers
• Protecting income and risk exposure before expanding debt

COVID-19 remains one of the clearest recent examples. Investors who stayed focused on long-term fundamentals and portfolio structure were often the ones who came out strongest.

CGT reform is real. So is the long-term investment case for well-selected, supply-constrained residential property.

If you'd like to discuss your current portfolio position and what a strategy from here may look like, our advisory team is available for a consultation.

𝗪𝗵𝗮𝘁 𝗱𝗼 𝘆𝗼𝘂 𝗯𝗲𝗹𝗶𝗲𝘃𝗲 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝗺𝗼𝘀𝘁 𝘄𝗵𝗲𝗻 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗹𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝘄𝗲𝗮𝗹𝘁𝗵 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆?

𝗖𝗹𝗶𝗰𝗸 𝘁𝗵𝗲 𝗹𝗶𝗻𝗸 𝗼𝗿 𝘀𝗰𝗮𝗻 𝘁𝗵𝗲 𝗤𝗥 𝗰𝗼𝗱𝗲 𝘁𝗼 𝘀𝗽𝗲𝗮𝗸 𝘄𝗶𝘁𝗵 𝗼𝘂𝗿 𝘁𝗲𝗮𝗺.
https://ap1.hubs.ly/y0Tq3j0

Thank you for following the series this week and for contributing to the discussion throughout.

20/05/2026

𝗧𝗵𝗲 𝗻𝘂𝗺𝗯𝗲𝗿𝘀 𝗯𝗲𝗵𝗶𝗻𝗱 𝘁𝗵𝗲 𝗵𝗲𝗮𝗱𝗹𝗶𝗻𝗲𝘀.

How much more CGT could investors actually pay under the proposed reforms? The answer depends heavily on inflation assumptions.

Under the proposed indexation model, the property cost base is adjusted for CPI throughout the holding period before tax is calculated. Investors are taxed only on gains above that inflation-adjusted base.

For a top marginal tax rate investor holding a $1M property over 10 years at 7% annual growth:
• 1.5% CPI → effective tax rate rises from 23.8% to 39.6%
• 2.5% CPI → rises from 23.8% to 33.7%
• 3.5% CPI → rises from 23.8% to 27.3%
• 4.5% CPI → falls from 23.8% to 20.3%

At higher inflation levels, the proposed indexation model can produce lower effective tax outcomes than the current 50% CGT discount.

Australia’s CPI increased 4.6% in the 12 months to March 2026.

Our research also modelled two real transactions under the proposed framework:
• Brisbane property purchased in 2016 for $877,500 and sold for $1,755,000
• Adelaide property purchased in 2018 for $782,000 and sold for $1,520,000

Applied retrospectively to those holding periods, the proposed model would have resulted in additional CGT of:
• $76,427
• $70,935

The reforms change after-tax outcomes. They do not change the capital growth fundamentals driving long-term investment performance.

Understand what these changes could mean for your strategy.
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19/05/2026

𝗖𝗚𝗧 𝗿𝗲𝗳𝗼𝗿𝗺 𝗶𝘀 𝗰𝗼𝗻𝗳𝗶𝗿𝗺𝗲𝗱. 𝗕𝗲𝗳𝗼𝗿𝗲 𝗺𝗮𝗸𝗶𝗻𝗴 𝗮𝗻𝘆 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀, 𝗵𝗲𝗿𝗲'𝘀 𝘄𝗵𝗮𝘁 𝘁𝗵𝗲 𝗰𝗵𝗮𝗻𝗴𝗲𝘀 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗺𝗲𝗮𝗻 𝗳𝗼𝗿 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀.

𝗔 𝗹𝗼𝗼𝗸 𝗯𝗮𝗰𝗸 𝗮𝘁 𝟭𝟵𝟴𝟱.

The last time Australia introduced CGT, negative gearing was also removed and interest rates were at multi-decade highs. The data that followed is worth revisiting.

On 20 September 1985, the Hawke-Keating Government introduced capital gains tax in Australia for the first time while simultaneously removing negative gearing.
It represented the most severe policy environment Australian residential property investors had faced.

Despite this, market performance remained resilient.

In 1985–86:
• Median house prices increased 8.78%
• Rents rose 9.62%

Across the following five years from 1985 to 1990:
• 75.59% median house price growth
• 60.35% median unit price growth
• 45.85% rent growth

Sydney recorded 90.30% house price growth, Perth 119.2%, and Brisbane 90.65%.

Compared to 1985, the proposed 2026 reforms are materially less severe. Existing gains remain protected, new build concessions remain available, and negative gearing has not been fully removed.

Policy matters, but history also provides perspective.

Understand what these changes could mean for your strategy.
Scan the QR code to speak with our team.
https://ap1.hubs.ly/y0SLJz0

𝗛𝗮𝘃𝗲 𝘆𝗼𝘂 𝗵𝗲𝗮𝗿𝗱 𝘀𝘁𝗼𝗿𝗶𝗲𝘀 𝗳𝗿𝗼𝗺 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝘄𝗵𝗼 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲𝗱 𝘁𝗵𝗲 𝟭𝟵𝟴𝟱 𝗰𝗵𝗮𝗻𝗴𝗲𝘀 𝗳𝗶𝗿𝘀𝘁𝗵𝗮𝗻𝗱?