They have a good open credit policy, that is about the only...

They have a good open credit policy, that is about the only reason you would lend through them currently, other than that they are quite expensive comparably. The market will need to soften at some point, people are getting more cautious with how they spend and what they spend money on as well.

The runoff rate will keep accelerating each quarter. by at least the corresponding quarter 3.5 to 4 years back's rate of growth as well.

So those two are the main ones and the reserve is hell bent on raising rates until people stop using facilities like these as well, 0.75% could potentially be on the cards next month. That is still yet to play out into these stories.