Stephen Halmarick

situation to manage their budgets very carefully.

The good news is the labour market's very strong.

The unemployment rate is the lowest it's been since 1974.

And we do expect the labour market to remain relatively strong.

So there are some positive offsets, but no doubt some households in Australia are going to find these higher interest rates very challenging.

Oh, it's a great job.

As I mentioned, I've done it for 36 years and I'm really enjoying it, even in these challenging environments.