Thank you and I look forward to your questions. Endnotes [*]  I am grateful to Amelia Gao, Marcus Robinson and Michelle Wright for excellent assistance with this speech. [1]  Household credit is a subset of total household debt. It excludes debt of unincorporated enterprises and HECS debt.
* SORS estimate for 2021. Speaking of economic growth outlook and its drivers, let me present several data that did not get the deserved attention in the public. Above all – exports which outperform our projections year after year.