Seems like a great opportunity for them to create new products to fill the void and make it a win win for everyone. For example instead of killing off equity releases, create a separate equity release product which charges another 1% on top with extra monthly fees etc. Playing the Devils advocate, instead of only taking away and trimming back, just find new ways to get our money. It would be worse than we have now but at least there would be options. Something is better than nothing. Win win at the end of the day. Is there any reason to think such products might hit the scene once they are finished with all these scale backs? Looking historically, have APRA changes ever lead to more innovation and new products?