Summary: Retail sales up 0.8% in November, less than expected; up 3.0% on 12-month basis; ANZ: figures affirm consumer spending growth is recovering; ACGB yields generally decline; rate-cut expectations firm; Westpac: retail spending looks to be on solid footing in Q4 so far; largest influence on result from restaurants/cafes. Growth figures of domestic retail sales spent most of the 2010s at levels below the post-1992 average. While economic conditions...