I refer to the proposal being canvassed by the government to withdraw the free guarantee for deposits over $1 million. How will the government’s change of heart on this issue affect a depositor who has made an investment relying on the government’s announced guarantee and locked their money in for a 12-month term deposit with an institution with whom they would not otherwise have invested? Will their deposit remain guaranteed free of this charge for its term or will the free guarantee they relied upon in good faith be withdrawn?