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Hi DadOfSam, Fair enough. Wasn't pointing the finger at you directly. Its just that a common theme that is run by the bearish posters is the unsustainability of our current debt levels. What I was pointing out is that current servicability responses seems to invalidate that argument...

One question, and a simple one at that... If households are just using interest rate cuts to pay down their principal instead of reducing their repayments, what does this suggest about the ability of these households to service their current debt levels? i.e. Wouldn't you think that...