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I've been quoted as saying rates to go down too...but it has taken awhile. This is only the grab back from the banks last Nov. Any takers on a cut in Dec too...? If there is I would say the banks will keep some...maybe 0.1 or something....it would be typical of them.

I was only going to quote the first sentence above and suggest basically what you said thereafter....after reading the whole post....Kudos!! But if can add the emphasis on the bit where the RBA have room to move and quickly....we've seen it before...;)