amdweb the question as i said is an imbecillic conspiracy theory question---the reserve bank has is very guarded in everything they say---its like an artform for them---they clearly state in thier speeches thier position on australian lending standards and they present pretty good cases for their position---if there is evidence to the contrary i am more than happy to see it and it would certainly be noted in any investment strategy---but it has to be solid valid well researched evidence---i just havnt seen the contrary evidence