Nigeria Property Centre

Flats in Ikoyi, Lagos

There are 5,715 flats for sale and rent in Ikoyi as of 18 Aug 2026, with an average price of ₦38M. Every listing is posted by an estate agent or developer you can contact directly — filter by price, type, furnishing and recency to find the right home.

Premium Plus Top promoted listing
Luxury 3 Bedroom Flat with Pool and Gym
12 photos
₦30,000,000 /yr

Flat / apartment for rent

Luxury 3 Bedroom Flat with Pool and Gym

Super Deluxe 3 Bedroom Flat with Fully Fitted Kitchen, Swimming Pool, Gym, Family Fun Area, Ample Parking, Gen etc Location: Off Awolowo Road, South West Ikoyi Lagos. Price: ₦30million only corporate tenants needed

Off Awolowo Way, Ikoyi, Lagos
3 Beds 3 Baths 4 Toilets 2 Parking

Gihon Homes LTD

Verified Agent

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3 Bedroom Apartment — Ikoyi, Lagos
Featured
10
₦380,000,000

Flat / apartment for sale

3 Bedroom Apartment

CW09893 a well-positioned 3-bedroom apartment with Boys' Quarters (BQ) is available for sale in Ikoyi. Featuring all en-suite bedrooms and a practical layout, this property presents an excellent opportunity for homeowners and investors seeking value in one of Lagos' most prestigious residential locations. Sale Details Price: ₦380,000,000 Asking Features 3 Spacious Bedrooms All Bedrooms En-Suite Boys' Quarters (BQ) Highlights Prime Ikoyi Location Comfortable Residential Layout Ideal for Homeowners and Investors Excellent Rental Income Potential Strong Capital Appreciation Prospects Location: Ikoyi, Lagos For more Information, Pricing and Private Viewings Please Contact: Olade: +234 810 875 5286 Lilian: 09062511340 Email: [email protected] Website: www.cwlagos.com We are Social! Check out other Fantastic Premium Listings on our Social Media Platforms IG: @cwrelagos Twitter: @cwrelagos Facebook: @cwrealestate

Ikoyi, Lagos
3 beds 3 baths 4 toilets
C W Real Estate
2 Bedroom Flat — Osborne Phase 2, Ikoyi, Lagos
Featured
20
₦15,000,000 /yr

Flat / apartment for rent

2 Bedroom Flat

To let a 2 - bedroom flat to let osborne foreshore phase II, ikoyi, lagos Rent: N15.0m net JideBo

Osborne Phase 2, Ikoyi, Lagos
2 beds 2 baths 3 toilets
Exquisite Global Ventures
Exclusive Waterfront 3 Bedroom Apartment — Banana Island, Ikoyi, Lagos
Featured
24
₦55,000,000 /yr

Flat / apartment for rent

Exclusive Waterfront 3 Bedroom Apartment

Exclusive waterfront 3-bedroom apartment for rent Location: Banana Island, Ikoyi, Lagos Property Overview Live at the pinnacle of luxury in Banana Island, Ikoyi --- Lagos' most prestigious address. This fully furnished 3-bedroom apartment features state-of-the-art finishes and breathtaking waterfront views. Designed for executives, diplomats, and uhnw individuals who demand privacy, security, and elegance. Key Features - 3 Spacious En-suite Bedrooms with walk-in closets & luxury fittings - Fully Furnished with designer furniture, smart home features & premium appliances - Gourmet Kitchen with imported fittings and top-tier finishes - 24/7 Power, Water, & Security Elevator Access Dedicated Parking - Banana Island Estate Amenities: Landscaped surroundings, serene environment, elite community Financial Terms - Annual Rent: ₦55,000,000 - Service Charge: ₦5,000,000 - Caution Deposit: 5% - Agency Fee: 10% - Legal Fee: 10% - Diesel Deposit: ₦2,000,000 The Banana Island Advantage Banana Island offers unparalleled waterfront living, proximity to Victoria Island & Ikoyi business districts, and 24/7 estate security. Ideal for corporate lease, long-term residency, or exclusive private living. Private, discreet inspections available. Serious inquiries only.

Banana Island, Ikoyi, Lagos
3 beds 3 baths 4 toilets 2 Parking
Acejoconsen
3 Bedroom Flat with BQ — Old Ikoyi, Ikoyi, Lagos
Featured
21
₦40,000,000 /yr

Flat / apartment for rent

3 Bedroom Flat with BQ

Five units of 3bedroom flat with BQ available for lease at Ikoyi 40m per annum Ownerlawye

Old Ikoyi, Ikoyi, Lagos
3 beds 3 baths 4 toilets
Best Properties
Spacious 3 Bedroom Flat — Parkview, Ikoyi, Lagos
Featured
8
₦25,000,000 /yr

Flat / apartment for rent

Spacious 3 Bedroom Flat

3bedroom flat all rooms ensuite with guest toilets, 24hrs security and maintenance at Parkview Estate. Annual Rent: ₦25m S.C: 5m ( Diesel inclusive)

Parkview, Ikoyi, Lagos
3 beds 3 baths 4 toilets
Oladivine Properties and Associates
Prestige 3 Bedroom Apartment with BQ and Swimming Pool — Old Ikoyi, Ikoyi, Lagos
Featured
19
₦64,000,000 /yr

Flat / apartment for rent

Prestige 3 Bedroom Apartment with BQ and Swimming Pool

3-Bedroom Apartment with BQ - Old Ikoyi For Rent: Luxury and modern 3-bedroom apartment with Boys' Quarters, lounge, concierge, gym, elevator, and swimming pool, located in the prestigious Old Ikoyi area. Location: Old Ikoyi, Lagos Rent: ₦64,000,000 per annum Service Charge: ₦3,800,000 per annum Charges: Agency -- 10% - Legal -- 10% - Caution -- 10% Comes With: Boys' Quarters - Residents' lounge - Concierge service - Gym - Elevator - Swimming pool - Spacious living areas - All rooms ensuite - Modern fitted kitchen - Ample parking - Secure environment - Prime location - Luxury finishing

Old Ikoyi, Ikoyi, Lagos
3 beds 3 baths 4 toilets
Zion Realty
Luxury 5 Bedroom Triplex Penthouse with 2 Room BQ — Old Ikoyi, Ikoyi, Lagos
Featured
25
$150,000 /yr

Flat / apartment for rent

Luxury 5 Bedroom Triplex Penthouse with 2 Room BQ

Luxury 5-Bedroom Triplex Penthouse with 2-Room BQ Off Banana Island Road, Old Ikoyi, Ikoyi, Lagos Experience the pinnacle of sophisticated urban living in this magnificent 5-bedroom triplex penthouse, ideally located off Banana Island Road in the prestigious Old Ikoyi axis. Designed for discerning homeowners who value space, privacy, elegance, and exclusivity, this exceptional penthouse offers expansive interiors arranged across three levels, complemented by two additional rooms of Boys' Quarters. With its impressive scale, luxurious finishes, and prestigious location, this residence is perfectly suited for families, executives, expatriates, and high-net-worth individuals seeking an extraordinary home in one of Lagos' most desirable neighbourhoods. Strategically positioned off Banana Island Road, the property provides convenient access to Banana Island, central Ikoyi, Victoria Island, top schools, premium restaurants, shopping destinations, healthcare facilities, and major business districts. Whether acquired as a prestigious personal residence or as a premium investment asset, this penthouse represents an exceptional opportunity to own or rent a truly distinguished home in Old Ikoyi. A Rare Luxury Offering Contact us today for pricing, further details, and to arrange a private inspection. Features 5 spacious bedrooms Dedicated study room Wet & dry kitchens Private rooftop terrace Elevator 2 rooms BQ Private swimming pool Fully equipped gym house Large balconies Parking space for up to 4 cars Well-secured environment Exclusive gated community sale price: $3,500,000 Usd rent: $150,000 Usd per annum Additional Charges: Service Charge: TBD Caution Fee: 10% Agency Fee: 10% Legal Fee: 10% Image code: CPP RR514 To schedule a viewing, send a dm or call, +234 813 868 2907 or, +234 911 064 9112

Old Ikoyi, Ikoyi, Lagos
5 beds 5 baths 6 toilets
Casa Prime Realty
Fully Furnished and Serviced 3 Bedroom Apartment — Bourdillon, Ikoyi, Lagos
Featured
19
₦60,000,000 /yr

Flat / apartment for rent

Fully Furnished and Serviced 3 Bedroom Apartment

Exclusively for Direct Clients Only for rent - fully furnished & serviced 3 bedroom apartment Location: Bourdillon Road, Ikoyi, Lagos Financial Summary: Rent + Service Charge: ₦65,000,000 Agency Fee: ₦6,000,000 Legal Fee: ₦6,000,000 Refundable Caution Deposit: ₦1,200,000 Total Package: ₦78,200,000 Property Highlights: Fully Furnished Fully Serviced 3 Bedroom Apartment Prime Location on Bourdillon Road, Ikoyi All Rooms En Suite Smart Lock Access 24 Hours Power Supply Fitted & Fully Equipped Kitchen Free High-Speed WiFi Smart TVs Fitted Wardrobes Indoor Gym Swimming Pool Spacious Modern Interiors Secure and Professionally Managed Environment Designed for Comfort, Privacy, and Convenience Viewing: Inspection fees applies Ref:00090 important notice: This offering is strictly reserved for verified serious and financially capable direct clients only. Inquiries from intermediaries or other third parties will not be entertained. Kindly ensure you are prepared to proceed before requesting further details or scheduling an inspection.

Bourdillon, Ikoyi, Lagos
3 beds 3 baths 4 toilets
Knight Angels Realties LTD
Luxury and Spacious 4 Bedroom Maisonette with Boys' Quarters, — Off Glover Road, Old Ikoyi, Ikoyi, Lagos
Featured
15
₦80,000,000 /yr

Flat / apartment for rent

Luxury and Spacious 4 Bedroom Maisonette with Boys' Quarters,

Luxury and spacious 4-bedroom maisonette with Boys' Quarters, gym, lounge, and waterside swimming pool, located in the prestigious Ikoyi area Location: Ikoyi, Lagos Rent: ₦80,000,000 per annum Service Charge: ₦6,000,000 per annum Diesel Deposit: ₦4,500,000 Charges: Agency -- 10% - Legal -- 10% - Caution -- 10% Comes With: Boys' Quarters - Gym - Lounge area - Waterside swimming pool - Spacious living areas - All rooms ensuite - Modern fitted kitchen - Ample parking - Secure environment - Prime location - Luxury finishing - Serene neighborhood Demiji

Off Glover Road, Old Ikoyi, Ikoyi, Lagos
4 beds 4 baths 5 toilets
Unique Multi Concepts Limited
Luxury 3 Bedroom Flat Apartment (7TH Floor) — Osborne Foreshore 2 Estate, Ikoyi, Lagos
Featured
10
₦20,000,000 /yr

Flat / apartment for rent

Luxury 3 Bedroom Flat Apartment (7TH Floor)

Luxury 3 bedroom flat apartment ( 7th floor) Rent: 20 million Location: Osborne foreshore 2 estate ikoyi lagos Agency:10% Legal:10% Caution:10% Service charge:TBD

Osborne Foreshore 2 Estate, Ikoyi, Lagos
3 beds 3 baths 3 toilets 3 Parking
Wave Properties
Lovely 3 Bedroom Flat — Ikoyi, Lagos
Featured
10
₦35,000,000 /yr

Flat / apartment for rent

Lovely 3 Bedroom Flat

*semi Direct Letting : On Banana Island Road 2 Units of 3 Bedroom Flats, ₦35m / annum Call now to book an inspection.

Ikoyi, Lagos
3 beds 3 baths 4 toilets 3 Parking
Houseandhomes Facility Management Services.
3 Bedroom Apartment — Ikoyi, Lagos
Featured
8
₦40,000,000 /yr

Flat / apartment for rent

3 Bedroom Apartment

CW09875 Discover 10 newly renovated three-bedroom apartments available for rent in prestigious Old Ikoyi, Lagos, at ₦40,000,000 per annum a rare opportunity to secure multiple premium residential units in one of Lagos's most sought-after neighbourhoods. Each apartment features all en-suite bedrooms, a fitted kitchen, spacious family lounge, dedicated BQ, and ample parking, with backup generator power and comprehensive security throughout the complex. The units are set within a meticulously maintained environment designed for corporate or institutional tenancy, ideal for investment-minded buyers seeking stable, long-term rental income in the Ikoyi Lagos real estate market. Built to exacting standards with legal frameworks and transparent agency terms, these 0 bedroom apartments for rent in Ikoyi represent a strategic acquisition for discerning investors and corporate entities. Contact us today to arrange a viewing of this exceptional property investment in Lagos's most coveted residential district. Property Features: - BQ - All en-suite rooms - Fitted kitchen - Family Lounge - Clean Environment - Spacious Parking Area - Standbye Generator - Well secured - Self Service - 1 cooperate tenant rents all units Financial Details: - Rent: ₦40,000,000 - Agency Fee: 10% - Legal Fee: 10% - Caution Fee: tbd Ikoyi ₦40,000,000 For more Information, Pricing and Private Viewings Please Contact: Rose: 08149226187 Lilian: 09062511340 Email: [email protected] We are Social! Check out other Fantastic Premium Listings on our Social Media Platforms IG: @cwrelagos Twitter: @cwrelagos Facebook: @cwrealestate

Ikoyi, Lagos
3 beds 3 baths 4 toilets
C W Real Estate
3 Bedroom Apartment — Ikoyi, Lagos
Featured
8
₦40,000,000 /yr

Flat / apartment for rent

3 Bedroom Apartment

CW09875 Discover 10 newly renovated three-bedroom apartments available for rent in prestigious Old Ikoyi, Lagos, at ₦40,000,000 per annum a rare opportunity to secure multiple premium residential units in one of Lagos's most sought-after neighbourhoods. Each apartment features all en-suite bedrooms, a fitted kitchen, spacious family lounge, dedicated BQ, and ample parking, with backup generator power and comprehensive security throughout the complex. The units are set within a meticulously maintained environment designed for corporate or institutional tenancy, ideal for investment-minded buyers seeking stable, long-term rental income in the Ikoyi Lagos real estate market. Built to exacting standards with legal frameworks and transparent agency terms, these 3 bedroom apartments for rent in Ikoyi represent a strategic acquisition for discerning investors and corporate entities. Contact us today to arrange a viewing of this exceptional property investment in Lagos's most coveted residential district. Property Features: - BQ - All en-suite rooms - Fitted kitchen - Family Lounge - Clean Environment - Spacious Parking Area - Standbye Generator - Well secured - Self Service - 1 cooperate tenant rents all units Financial Details: - Rent: ₦40,000,000 - Agency Fee: 10% - Legal Fee: 10% - Caution Fee: tbd Ikoyi ₦40,000,000 For more Information, Pricing and Private Viewings Please Contact: Rose: 08149226187 Lilian: 09062511340 Email: [email protected] We are Social! Check out other Fantastic Premium Listings on our Social Media Platforms IG: @cwrelagos Twitter: @cwrelagos Facebook: @cwrealestate

Ikoyi, Lagos
3 beds 3 baths 4 toilets
C W Real Estate
2 Bedroom Fully Furnished Apartment — Phase 2, Osborne, Ikoyi, Lagos
Featured
25
₦25,000,000 /yr

Flat / apartment for rent

2 Bedroom Fully Furnished Apartment

-- Semi direct brief Tastefully Fully Furnished 2-Bedroom Apartment Location: Osborne Foreshore 2, Ikoyi, Lagos Annual Rent: ₦25,000,000 Additional Charges: - Agency Fee --- 10% - Legal Fee --- 10% - Service Charge --- 10% - Caution Fee --- 10% Total Package: ₦35,000,000 Semi Direct Brief Suitable for clients seeking a premium, fully furnished residence in a serene and prestigious Ikoyi neighbourhood

Phase 2, Osborne, Ikoyi, Lagos
2 beds 2 baths 3 toilets 2 Parking
Henryprime
Luxury 4 Bedroom 600SQM Maisonette + 2 BQ, Elevator & Pool Lucrezia — 4th Avenue, Banana Island, Ikoyi, Lagos
Featured
11 Video
₦4,500,000,000

Flat / apartment for sale

Luxury 4 Bedroom 600SQM Maisonette + 2 BQ, Elevator & Pool Lucrezia

Luxury 4 bedroom maisonette for sale in Banana Island, Ikoyi, Lagos. Lucrezia by Sujimoto offers an exceptional 600sqm fully furnished residence with 2 BQs, private elevator access, swimming pool, gym and world-class amenities. Located on 4th Avenue, Banana Island, this completed luxury residence combines exceptional space, privacy, advanced home automation and some of the finest residential finishing available in Lagos. Property Details 4 Bedroom Luxury Maisonette 600sqm 4 En-suite Bedrooms 2 Boys' Quarters (BQ) Private Elevator Access Approximately 4-Metre Ceilings Fully Fitted Premium Kitchen Built-in / Walk-in Wardrobes Full Home Automation 4 Dedicated Parking Spaces Fully Furnished Serviced Residence features & amenities Infinity Swimming Pool World-Class Gym Private Cinema Virtual Golf Experience with 2,500+ Courses Luxury Spa & Salon Interactive Lobby Residents' Lounge Crèche Concierge Service 24-Hour Power Supply CCTV & Intelligent Security High-Speed Elevators Premium European Finishes Lucrezia by Sujimoto is one of Banana Island's landmark luxury residential developments, designed for discerning homeowners and investors seeking a premium 4 bedroom apartment or maisonette in Banana Island, Ikoyi, Lagos. Price: ₦4,500,000,000 Documentation: Sales and Purchase Agreement; Deed of Assignment upon completion. Limited availability. Private inspection strictly by appointment.

4th Avenue, Banana Island, Ikoyi, Lagos
4 beds 4 baths 5 toilets 4 Parking
Sujimoto Luxury Residence Apartments
Furnished Waterfront Luxury 3 Bedroom Apartment and BQ — Banana Island, Ikoyi, Lagos
Featured
10
$1,400,000

Flat / apartment for sale

Furnished Waterfront Luxury 3 Bedroom Apartment and BQ

Semi direct furnished waterfront flat for sale at banana island ikoyi Furnished Waterfront luxury 3-bedroom apartment with BQ Experience premium waterfront living in the heart of Banana Island, Ikoyi. This luxury development offers a perfect blend of elegance, comfort, and exclusivity, complete with a private jetty and speedboat access for residents. Features Waterfront View Private Jetty Speedboat Access for Occupants Swimming Pool Green Area & Landscaped Surroundings 1 Room BQ All Bedrooms En-Suite Spacious Living Room Aesthetic pop Ceilings CCTV Security System Clean Water Supply Premium Quality Tiles Pantry Island Countertop Kitchen Luxurious Master's Suite Walk-in Closet Walk-in Shower 2 Dedicated Parking Spaces Secure Estate Excellent Access Roads Flood-Free Environment Serene and Exclusive Neighborhood Location: Banana Island, Ikoyi, Lagos Price: $1.400,000 Title Documents: - Lagos State Certificate of Occupancy (C of O) - Approved Building Plan An exceptional opportunity to own a luxury waterfront residence in one of Lagos' most prestigious addresses. God///

Banana Island, Ikoyi, Lagos
3 beds 3 baths 4 toilets
Ikon Realty World LTD
Luxury 3 Bedroom Apartment with BQ — Old Ikoyi, Ikoyi, Lagos
Featured
16
₦40,000,000 /yr

Flat / apartment for rent

Luxury 3 Bedroom Apartment with BQ

- Luxury 3 Bedroom Apartment with BQ Location: Ikoyi, Lagos Financial Summary: Rent: ₦40,000,000 Per Annum Agency Fee: 10% Legal Fee: 10% Caution Deposit: 5% Service Charge: ₦3,500,000 Total Package: ₦53,500,000 Property Highlights: - Luxury Fully Serviced Apartment - 3 Spacious Bedrooms, All En-Suite - Boys' Quarters (BQ) - Expansive Living & Dining Area - Fully Fitted Contemporary Kitchen - Premium Stamp Concrete Flooring - Walk-In Closets - Walk-In Showers - Water Heaters - Ample Parking Space - Swimming Pool - Fully Equipped Gym - Located Within a Secure Estate - Pay-As-You-Use Power Supply Viewing: Inspection Fees Applies important notice: This offering is strictly reserved for serious and financially capable direct clients only. Inquiries from intermediaries or other third parties will not be entertained. Kindly ensure you are prepared to proceed before requesting further details or scheduling an inspection. For Private Viewing & Leasing Enquiries: ............................................................................ For more enquiries and inspections, please call us on 09098586908 08090876670 Follow us on Instagram on Rosemond hills properties Facebook Rosemond hills limite

Old Ikoyi, Ikoyi, Lagos
3 beds 3 baths 4 toilets 2 Parking
Rosemond Hills Limited
Luxury 1 Bedroom and Parlour with Swimming Pool and Gym — Banana Island, Ikoyi, Lagos
Featured
16
₦120,000 /day

Flat / apartment short let

Luxury 1 Bedroom and Parlour with Swimming Pool and Gym

WhatsApp preferably 0814 908 6371 Newly Launched Apartment 1 Bedroom Mini flat Apartment with Swimming pool and Gym, Banana Island road. Ikoyi -24 hours light n water -Unlimited wifi -Dstv/Netflix/YouTube -24 hours security -Swimming pool -Gym -Elevator -Cleaning services x3 -Balcony -Very friendly parking space in a secured compound -Standby Facility persons in case of any emergency -Gated estate etc

Banana Island, Ikoyi, Lagos
1 bed 1 bath 1 toilet 2 Parking
Elens Homes
Serene 1 Bedroom Mini Flat — Parkview, Ikoyi, Lagos
Featured
16
₦120,000 /day

Mini flat (room and parlour) short let

Serene 1 Bedroom Mini Flat

Watsap Preferable 08149086371. This Exquisitive and lovely 1 bedroom mini flat with guest toilet fully furnished is located in the heart of Ikoyi, It comes fully equipped with a Smart TV and WiFi for those Netflix & Chill moments, 24 hours power supply and Full DSTV Bouquet. It is in a gated estate, yet easily accessible Shoprite, Danfo restaurant, Banana Island, Ikoyi link toll gate, Lekki 1 and many more.

Parkview, Ikoyi, Lagos
1 bed 1 bath 2 toilets 3 Parking
Elens Homes
3 Bedroom Apartment — Ikoyi, Lagos
Featured
6
₦45,000,000

Flat / apartment for rent

3 Bedroom Apartment

CW09865 Discover this exceptional 3 bedroom flat for rent in Ikoyi, Lagos, offered at ₦45,000,000 annually---a prime address in one of Nigeria's most sought-after neighbourhoods. The residence boasts ground-to-ceiling windows that flood the spacious rooms with natural light, a fully fitted kitchen for modern living, and a generous balcony perfect for entertaining or quiet retreats. Residents enjoy access to premium estate amenities including a gymnasium and meticulously maintained greenery, creating an elevated lifestyle within the heart of Ikoyi. This is an ideal opportunity for discerning professionals and families seeking luxury rental accommodation in Lagos property market, combining comfort, convenience, and the prestigious Ikoyi postcode. Property Features: - Gymnasium - Greenery - Spacious rooms - Ground to ceiling window - Fully fitted kitchen - Spacious balcony Financial Details: - Rent: ₦45,000,000 - Agency Fee: - 10% - Total Package: - 65,525,000 - Agreement Fee: - 10% Ikoyi ₦45,000,000 For more Information, Pricing and Private Viewings Please Contact: Adaeze: 08166315298 Lilian: 09062511340 Email: [email protected] We are Social! Check out other Fantastic Premium Listings on our Social Media Platforms IG: @cwrelagos Twitter: @cwrelagos Facebook: @cwrealestate

Ikoyi, Lagos
3 beds 3 baths 4 toilets
C W Real Estate

Showing 2,241–2,261 of 5,715 properties

Area Guide

About Ikoyi, Lagos

By and large, Ikoyi is a posh neighbourhood with a mishmash of exquisite residential apartments and commercial presence.

Ikoyi borders the Lagos Lagoon and takes up the eastern half of Lagos Island. It is one of the towns that make up the Eti-Osa Local Government Area of Lagos state.

Originally, the British Colonial Governments designated Ikoyi as a residential area for the expatriate community perhaps due to its proximity to the sea. However this arrangement changed with time with big establishments locating their corporate headquarters at Ikoyi. Ikoyi is home to the creme de la creme of the Nigerian society, from diplomats to senior company, business executives and senior public servants.

Read the full area guide
FAQ

Frequently asked questions

The average price of flats in Ikoyi, Lagos is ₦38,000,000 per annum.

The price of the most expensive flats in Ikoyi, Lagos is ₦155,000,000 per annum.

The price of the cheapest flats in Ikoyi, Lagos is ₦4,500,000 per annum.

There are 5,715 available flats in Ikoyi, Lagos. You can view and filter the list of property by price, furnishing and recency.