vti_encoding:SR|utf8-nl vti_timelastmodified:TR|29 Jan 2023 05:41:23 -0000 vti_extenderversion:SR|6.0.2.8161 vti_author:SR|Lenovo\\scribepj vti_modifiedby:SR|Lenovo\\scribepj vti_nexttolasttimemodified:TW|29 Jan 2023 05:28:07 -0000 vti_timecreated:TR|29 Jan 2023 05:12:41 -0000 vti_shadowfiles:VX| vti_title:SR|Research Discussion Paper vti_thicketdir:SW|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files vti_backlinkinfo:VX|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm vti_cacheddtm:TX|15 Dec 2023 22:08:22 -0000 vti_filesize:IR|1201441 vti_cachedtitle:SR|Research Discussion Paper vti_cachedbodystyle:SR| vti_cachedlinkinfo:VX|H|research_discussion_paper_2015_RBA_UserPays_files/filelist.xml X|research_discussion_paper_2015_RBA_UserPays_files/image001.png X|research_discussion_paper_2015_RBA_UserPays_files/image002.png X|research_discussion_paper_2015_RBA_UserPays_files/image003.png X|research_discussion_paper_2015_RBA_UserPays_files/image004.png X|research_discussion_paper_2015_RBA_UserPays_files/image005.png X|research_discussion_paper_2015_RBA_UserPays_files/image006.png X|research_discussion_paper_2015_RBA_UserPays_files/image007.png X|research_discussion_paper_2015_RBA_UserPays_files/image008.png X|research_discussion_paper_2015_RBA_UserPays_files/image009.png X|research_discussion_paper_2015_RBA_UserPays_files/image010.png X|research_discussion_paper_2015_RBA_UserPays_files/image011.png X|research_discussion_paper_2015_RBA_UserPays_files/image012.png X|research_discussion_paper_2015_RBA_UserPays_files/image013.png X|research_discussion_paper_2015_RBA_UserPays_files/image014.png X|research_discussion_paper_2015_RBA_UserPays_files/image015.png X|research_discussion_paper_2015_RBA_UserPays_files/image016.png X|research_discussion_paper_2015_RBA_UserPays_files/image017.png X|research_discussion_paper_2015_RBA_UserPays_files/image018.png X|research_discussion_paper_2015_RBA_UserPays_files/image019.png X|research_discussion_paper_2015_RBA_UserPays_files/image020.png S|research_discussion_paper_2015_RBA_UserPays_files/image021.gif H|mailto:rbainfo@rba.gov.au H|http://www.rba.gov.au/ H|mailto:rbainfo@rba.gov.au K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm K|research_discussion_paper_2015_RBA_UserPays.htm S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image023.gif S|research_discussion_paper_2015_RBA_UserPays_files/image024.gif S|research_discussion_paper_2015_RBA_UserPays_files/image023.gif S|research_discussion_paper_2015_RBA_UserPays_files/image024.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image025.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image026.gif S|research_discussion_paper_2015_RBA_UserPays_files/image027.gif S|research_discussion_paper_2015_RBA_UserPays_files/image028.gif S|research_discussion_paper_2015_RBA_UserPays_files/image027.gif S|research_discussion_paper_2015_RBA_UserPays_files/image029.gif S|research_discussion_paper_2015_RBA_UserPays_files/image030.gif S|research_discussion_paper_2015_RBA_UserPays_files/image031.gif S|research_discussion_paper_2015_RBA_UserPays_files/image032.gif S|research_discussion_paper_2015_RBA_UserPays_files/image027.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image023.gif S|research_discussion_paper_2015_RBA_UserPays_files/image024.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image034.gif S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image024.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image035.gif S|research_discussion_paper_2015_RBA_UserPays_files/image035.gif S|research_discussion_paper_2015_RBA_UserPays_files/image024.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image036.gif S|research_discussion_paper_2015_RBA_UserPays_files/image036.gif S|research_discussion_paper_2015_RBA_UserPays_files/image037.gif S|research_discussion_paper_2015_RBA_UserPays_files/image038.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image039.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image041.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image042.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image043.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image044.gif S|research_discussion_paper_2015_RBA_UserPays_files/image045.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image046.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image047.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image045.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image042.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image048.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image023.gif S|research_discussion_paper_2015_RBA_UserPays_files/image024.gif S|research_discussion_paper_2015_RBA_UserPays_files/image022.gif S|research_discussion_paper_2015_RBA_UserPays_files/image049.gif S|research_discussion_paper_2015_RBA_UserPays_files/image050.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image041.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image042.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image051.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image052.gif S|research_discussion_paper_2015_RBA_UserPays_files/image053.gif S|research_discussion_paper_2015_RBA_UserPays_files/image045.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image046.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image047.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image045.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image042.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image048.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image040.gif S|research_discussion_paper_2015_RBA_UserPays_files/image049.gif S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image034.gif S|research_discussion_paper_2015_RBA_UserPays_files/image054.gif S|research_discussion_paper_2015_RBA_UserPays_files/image054.gif S|research_discussion_paper_2015_RBA_UserPays_files/image034.gif S|research_discussion_paper_2015_RBA_UserPays_files/image055.gif S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image034.gif S|research_discussion_paper_2015_RBA_UserPays_files/image055.gif H|https://www.rba.gov.au/publications/rdp/2015/2015-03/conclusion.html S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image055.gif S|research_discussion_paper_2015_RBA_UserPays_files/image031.gif S|research_discussion_paper_2015_RBA_UserPays_files/image030.gif S|research_discussion_paper_2015_RBA_UserPays_files/image031.gif S|research_discussion_paper_2015_RBA_UserPays_files/image056.gif S|research_discussion_paper_2015_RBA_UserPays_files/image057.gif S|research_discussion_paper_2015_RBA_UserPays_files/image058.gif S|research_discussion_paper_2015_RBA_UserPays_files/image059.gif S|research_discussion_paper_2015_RBA_UserPays_files/image060.gif S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image034.gif S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image034.gif S|research_discussion_paper_2015_RBA_UserPays_files/image061.gif S|research_discussion_paper_2015_RBA_UserPays_files/image062.gif S|research_discussion_paper_2015_RBA_UserPays_files/image055.gif S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image055.gif S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image034.gif S|research_discussion_paper_2015_RBA_UserPays_files/image034.gif S|research_discussion_paper_2015_RBA_UserPays_files/image055.gif S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image034.gif S|research_discussion_paper_2015_RBA_UserPays_files/image034.gif S|research_discussion_paper_2015_RBA_UserPays_files/image055.gif S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image034.gif S|research_discussion_paper_2015_RBA_UserPays_files/image034.gif S|research_discussion_paper_2015_RBA_UserPays_files/image055.gif S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image055.gif S|research_discussion_paper_2015_RBA_UserPays_files/image033.gif S|research_discussion_paper_2015_RBA_UserPays_files/image063.gif vti_cachedsvcrellinks:VX|FHUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/filelist.xml FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image001.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image002.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image003.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image004.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image005.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image006.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image007.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image008.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image009.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image010.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image011.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image012.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image013.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image014.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image015.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image016.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image017.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image018.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image019.png FXUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image020.png FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image021.gif NHUS|mailto:rbainfo@rba.gov.au NHHS|http://www.rba.gov.au/ NHUS|mailto:rbainfo@rba.gov.au FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FKUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays.htm FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image023.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image024.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image023.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image024.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image025.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image026.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image027.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image028.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image027.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image029.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image030.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image031.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image032.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image027.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image023.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image024.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image034.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image024.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image035.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image035.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image024.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image036.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image036.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image037.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image038.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image039.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image041.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image042.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image043.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image044.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image045.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image046.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image047.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image045.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image042.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image048.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image023.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image024.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image022.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image049.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image050.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image041.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image042.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image051.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image052.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image053.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image045.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image046.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image047.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image045.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image042.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image048.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image040.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image049.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image034.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image054.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image054.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image034.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image055.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image034.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image055.gif NHSS|https://www.rba.gov.au/publications/rdp/2015/2015-03/conclusion.html FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image055.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image031.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image030.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image031.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image056.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image057.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image058.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image059.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image060.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image034.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image034.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image061.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image062.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image055.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image055.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image034.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image034.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image055.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image034.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image034.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image055.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image034.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image034.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image055.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image055.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image033.gif FSUS|CreditCards/RBA/UserPays/research_discussion_paper_2015_RBA_UserPays_files/image063.gif vti_cachedneedsrewrite:BR|true vti_cachedhasbots:BR|true vti_cachedhastheme:BR|false vti_cachedhasborder:BR|true vti_botnavbits:SW|C vti_botnavbarthemes:VR| vti_botnavbarfeatures:VR| vti_borderaggregate:SR|default vti_metatags:VR|HTTP-EQUIV=Content-Language en-au HTTP-EQUIV=Content-Type text/html;\\ charset=windows-1252 vti_charset:SR|windows-1252 vti_language:SR|en-au