Any proposal from industry that seeks to promote both investment, improved services and competition is welcome.

The possibility of underwriting this investment through some sort of joint-venture or equity participation is something worth considering.

The decline in the portfolio reflects diminished investment opportunities amidst continued strong competition for mortgage assets.

The portfolio results for January really just reflect diminished investment opportunities, along with continued strong competition for mortgage assets.

The report does not reveal any systematic discrimination by Telstra against its wholesale customers.

Let the market work. Competition will drive investment.