Mr. Michael O'Flynn:

To answer the Senator's question about banks, they cannot fund something unless it is viable. I agree with her on affordability but we have a massive viability issue, particularly in the villages, which are more impacted than metropolitan areas. It is okay to say that it is not affordable or viable. If it is not affordable, it is because viability is an issue. We cannot expect banks to lend for something that is not viable. This is not just a single issue; this is range of issues.