Well not sure how to frame this in terms you are able to deal...

Well not sure how to frame this in terms you are able to deal with in market outcomes- for many of us, we are up to critiquing and reviewing our investments, not constrained by decades long acceptance and even bowing to mediocrity by the big 4, (eg all except CBA have failed to regain pre GFC sp and performance, imagine such after compounded inflation adjustment). That is no year after year fawning and capitulation to the usual excuses form the banking sector, everyone else is to blame but them, even with an entrenched oligopoly. Currently with a booming economy, regressive results from all except the CBA perhaps but no the banking sector cheer squad out there embracing more of the same. Hopefully you are up to an alternate view unless you are a banking sector spruiker par excellence.