This time last year, Aus+NZ region was the problem child and now...

This time last year, Aus+NZ region was the problem child and now everything is fine. They're still making money through a profitable insurance business AND more through their investment portfolio due to the FED hiking rates a few times.

Short term this may fall to $11 on sentiment, but, assuming the FED hike rates twice in the next 12 months, we should be around $14-$15 by this time next year. Not spectacular growth, but still something.

Also, it will be interesting to see if the company use this fall as an opportunity to buyback some of the $1bn worth of shares they said they would. That would be a good vote of confidence.