The Responsible Lending Issue in Australia

I am an expert on responsible lending issue. I mean, it's something that I've studied in immense detail and we've taken substantial legal advice on. And at this point in time, the responsible lending issue is more or less a non-issue. But if you're right, I'm happy to change my view. Equally, if John Adams is right and we are going to have economic Armageddon and we're going to have a great depression because of elevated debt levels, I'll change my views. At this point I think he's going to be wrong. The folks who watched that heated 30-minute debate that's now on YouTube, I think the unanimous consensus was that it was