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I think that the decision making process that leads them to drop LVR's would be fascinating to understand - the trade-offs between all the different factors such as loan risk, present and future funding costs, the economic models they use, what the competition are doing, and so on.

I still don't understand what the debate was about. Seemed like a case of moving goalposts to me.

Yes it's remote, but it could still happen. And what about when Aliens land and take over planet Earth? You'll wish you had your money in a Term Deposit then!