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Reserve Bank of New Zealand and up here on stage I have Karen silk assistant governor and Paul Conway our chief Economist and um pleased to say we also have the full monetary policy committee with us here in the room uh I do want to say just from the outset that on behalf of all the people at the Reserve Bank I want to acknowledge the many thousands of people across the upper North Island who have been seriously affected in recent Days by the floods and have been suffering as a result we recognize that this is a very hard time for many especially those who have lost loved ones our thoughts are with you and we salute all of those who are helping out from the bank we have been working with our industry colleagues to ensure that theres access to cash in the affected areas weve also been in close liaison with the insurance companies and the banks to make sure they are both operationally and financially able to continue to provide the services and support their customers in these times o