10 In Brisbane, the cooling of the property market has to date been less pronounced than in Western Australia,  which probably owes to the Queensland economy being a bit more diversified than that of Western Australia as well as its geographic proximity to Sydney and Melbourne. Brisbane apartment prices have fallen of late, but house prices have continued to rise.
Most loans are used to pay for expenses that could otherwise be covered through insurance, such as healthcare and family obligations related to funerals. The recent Fijian Financial Inclusion Demand-Side Survey noted that only about 12 percent of the adult population in Fiji are covered by insurance.