You need to put effort into determining the return, which is largely linked to the risk of the borrower.

The situation is far healthier. The risk of another Asian crisis is very low.

There's always been an opportunity here, but I'd say now that Fidelity has really stepped up its effort to provide more face-to-face guidance, we've got tools to put plans together for clients.

Developments in New Zealand are of little relevance to Australia, so won't have a lasting impact.

Rising fuel prices will keep a lid on consumer spending for some time, slowing economic growth. The central bank will keep interest rates on hold.

It's consistent with an economy that's starting to pull back up in Korea, with a bit of consumer demand starting to come through again. I would expect the unemployment rate will start to decline and will fall further.