Senator FIFIELD ( Victoria — Manager of Opposition Business in the Senate ) ( 14:42 ): I ask a further supplementary question. In the foreword to the Reserve Bank's 2011 annual report, Governor Stevens wrote: …the prudent course will be to apply future earnings to rebuilding the RBRF before the resumption of dividend payments. As the government failed to take what the governor described as 'the prudent course', which antonym of prudent best describes the Treasurer's decision? Was it rash, foolhardy, irresponsible, unwise or just plain reckless?