Ms Dara Deering:

It is a valid point because the nature of employment is changing and that is what the Senator is getting at. If a person is on a fixed-term contract, we look at the sector that person is in and the likelihood of the person getting another role when that contract comes to an end. We see that is the case in many situations, so in those circumstances, where fixed-term contracts comprise a person's sector and the likelihood of that person getting another role is high, we will take that into consideration for a mortgage.