Believe what you want, it really doesn't matter to me.

What will be interesting is as the $ falls which many think is a great thing, that will be until the $s move away from the banks and into the markets and not just the Australian share markets and to invest into bonds from other countries it will make it harder and more expensive for banks to get money to loan out and that will again increase interest rates and make borrowing harder.

That along with a huge price hike of all goods, this will negate any mortgage saving and further reduce people disposable income further reducing spending.