Sure, why bother with the comment on capital requirements? Cool, so now we can agree that's ASIC's responsibility. In other words they are the regulator in that space no? Or do you wish to argue that point? They don't however it's not really "the banking Royal Commission" is it. If in doubt, you can check the link below. https://financialservices.royalcommission.gov.au/Pages/default.aspx Ha ha ha , James, you might well "know this stuff", but in my favour, I'm well aware of what a partisan hack you are. So I'm all good here mate, fire away.