So if you were a lender and had to play by the new rules ie 7.5-8% p&i on all existing and new debts and increased minimum living expenses how do you tweak things to get more business? I ask because i believe it will happen in February / March next year now that investment lending is falling off a cliff. Officially down 8.5% last month seasonally adjusted. I'm just not sure I know how the "engineers" will do it. Levers * price * policy ie LVR * servicing ??