now i disagree with what your saying, but at least you have some rationale and who is to know for sure that your not correct, and you took action based on your opinion. That i can respect.
I think bad debts will rise, but not enough to be significant unless we increase rates a bit more and hold there for 6 or more months.
Westpac's $1,000,000,000 AUSTRAC Settlement?, page-645
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