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In terms of the pace of tightening Westpac Chief Economist Bill Evans expects "an increase of 15 basis points in Q123; to be followed by 25 basis points in Q223; and 25 basis points in Q423. That would restore the cash rate to 75 basis points by end 2023, in effect reversing the 'emergency' rate cuts in 2020 when the RBA responded to the COVID crisis."