By the way, there is a survey that we conducted on why people do not have [formal] accounts. Surprise, surprise, the biggest answer is: "I have no money." But there are other things other than that, which we [at the central bank] can address. Indeed, even that other one [concern] can be addressed by very, very targeted programs of the government.
There have also been reports of some of the more ambitious projects planned for Brisbane and Melbourne being withdrawn, which makes it all the more surprising that there has been such a large increase in October in approvals to build multi-unit buildings.