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By next week everyone will have forgotten what nab did... As much as they will grab the headlines now, by December 1 the story will be "nab has the cheapest standard variable rate in the market..."

Hope you're wrong again :) I can't give you a link, but Gail Kelly (Westpac CEO) was on Inside Business approximately 6 months ago saying by the end of 2012 she was expecting rates to ease outside of RBA announcements due to the funding they did at the end of 2008 coming out and being re done...