The financial situation inquiries cover the consumer's income (amount, source, frequency and stability, with foreseeable reductions such as retirement, parental leave or the end of a contract), their present outgoings and any changes that can reasonably be foreseen, distinguishing fixed commitments (rent, existing loan repayments, insurance, child support), outgoings that are hard to reduce (groceries, utilities, transport, medical, education, childcare) and discretionary spending, their existing credit liabilities and their credit history, their assets (noting that assets available to be sold do not necessarily make a loan affordable), and circumstances such as shared living arrangements where another person contributes to or depends on the household budget. Questions should be framed so that consumers can answer them accurately (for example itemised categories rather than a single figure for living expenses), and ASIC recognises that consumers often underestimate expenses. Information about the consumer's requirements for and capacity to repay must be about the actual consumer, and joint applicants are assessed on their combined position with attention to who will meet the repayments.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.