*  *  *  I'm very happy to be here in Sydney this evening to talk about our two economies, which have so many features in common: healthy growth, low unemployment, solid prospects for the future, and sound macroeconomic policies. But I'd also like to talk about our economies in the context of the wider global market in which we both trade.
It is increasingly felt that individuals are not in a position to take full advantage of the guidelines issued to the banks for variety of reasons. These may include inadequacies in managing their finances especially delinquent accounts. Further, individuals may not be able to articulate their financial situation adequately to the banks.