Who do I vote for next time? The informal party?
Yep. I really like how banks ignore the RBA and do their own thing re interest rates. I recall a Keating interview many years ago where he stated his greatest regret was privatising the CBA, as they were bound to follow RBA rates thus forcing private banks to match in order to remain competitive. Anyway, she'll all come crashing down very soon, just hope we have enough sense to join BRICS, if we are not dragged into war with those countries.
Get rid of debts if you can and invest in physical assets is my advice for we are all in for a rough ride in the coming months/ years.