Actually, as a general personal broader assessment, the overall...

Actually, as a general personal broader assessment, the overall mood around town (shares, retail, consumer confidence, employment, business collapses, etc) is particularly poor right now.

Know of several largish employers who are quietly exiting people, materially reducing structures and others who appear to be under perpetual restructure week to week.

Get the sense that headwinds for Oz are strengthening and may remain for some time in the foreseeable future at this rate.

Personal/Household debts levels data are right up there on a historical comparative basis and "everyone else" seems to be putting in a new kitchen or bathroom, buying a new car ($100k plus luxury cars everywhere on the roads), launching a new boat or booking another OS trip. Credit is cheap and accessible but its still credit!

Has been unfolding like this for many years now but you'd think there is a point where it is no longer sustainable.

Interesting times!