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Why is Australia sitting pretty?

Australians have not forgotten what it means to be responsible -

When Australians borrow money to buy a house, they know that if they default and the mortgaged property doesn't cover the debt, they will be responsible for the shortfall. And the lender will chase them for it. It's a neat way of reminding Australians to borrow responsibly.

The responsibility of individual Australians keeps everyone safe.

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