![ANZ warned the current year would get tougher, citing fierce competition and tougher regulation.](http://web.archive.org./web/20171026063306im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/8/6/h/k/image.related.square.80x75.gz871p.10rdjm.png/1508998706658.jpg)
![Sophie has picked her final two.](http://web.archive.org./web/20171026063306im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/7/t/r/l/image.related.square.80x75.gz7te2.11w2dh.png/1508991432286.jpg)
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