Previous presentations from the company have mentioned that the large majority of MNY customers are not home owners. So mortgage stress on households shouldn't have a significant effect on MNY if any. If anything it may be beneficial as rents may come down if house prices fall.
With regards to your other questions, no one really knows. Even the experts get those things wrong more than they get them right. Best not to waste your time on them.
Ann: AGM Presentation, page-11
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