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In Australia the 'Big Four' banks (Commonwealth Bank, NAB, ANZ Bank and Westpac) dominate Australia's banking sector. A bank's decisions to maintain, raise or cut interest rates are all inuenced by the actions of the other banks. Answer the following questions: a. Regulation of the 'Big Four' banks is conducted mainly by ASIC (Australian Securities and Investment Commission) and APRA (Australian Prudential Regulation Authority), which have strict rules regarding the establishment and maintenance of a nancial institution. Does this requirement constitute a barrier to entry? . Type Y for Yes or N for No. b. NAB and Westpac announce that they will be maintaining their interest rates but the Commonwealth Bank and ANZ are still undecided. The payoff matrix (with payoffs represented in millions of dollars, Commonwealth being the left player and ANZ being the player on the top row) is shown below. What is the Nash equilibrium? . Type your answer in the following format: strategy of left player, strategy of top player. For example, enter your answer as CM to represent (Cut, Maintain) or MM to represent (Maintain, Maintain) etc. If a Nash Equilibrium does not exist, enter N for none. Maintain (M) Cut (C) Maintain (M) 125,100 65, 160 Cut (C) 175,50 70, 60 0. Does this game satisfy the criteria for a Prisoner's Dilemma? . Type Y for Yes or N for No. d. Is there the potential for consumers and borrowers to benet from this outcome? . Type Y for Yes or N for No