PK: Ross, there’s an art to knowing when the time is to step down from a major role. So really, really difficult for the family, but thankfully that’s all behind us and we’re really enjoying it now. For example, in Victoria, if you’re going to put up an apartment that’s worth $1 million, about 38% of that goes in state and other taxes. RM: There’s a different group, Patricia, that banks are not seeing, those who are really, really struggling. RM: Look there’s work still to do, but we were actually the best of the banks at 16.6%.
