Research gaps

Need the exact weighted inputs, thresholds, and workflow order from the course materials.

Clarify what debt, cash-flow, LVR, or DTI stage forces the shift from accumulation to consolidation.

Broker call scripts, deal memos, suburb workflows, and service-provider playbooks are still behind the course wall.

Need direct transcript-backed commentary on how he would adapt accumulation strategy under tighter credit.

The recency layer is incomplete until the latest market-update cluster is ingested and summarised.

Need his latest interstate pecking order: Brisbane, Adelaide, Perth, Melbourne, Sydney, and sub-$500K plays.

Portfolio size, passive-income claims, and large client volume metrics remain self-reported until independently checked.

Do not repeat the 5–10% correction language without a primary source or transcript-backed reference.

Major-bank internal credit policy shifts are still fuzzy and matter for real borrowing-capacity planning.