With two weeks to go until the New Year shutdown, banks are steering the last of this year's business prospects through the routines of capital market funding.Wide Bay Capricorn was the new borrower yesterday. These days, Wide Bay is an ANZ customer (which is marketing the bond), as are many of the former client list of Société Générale, a pioneer in securitisation 20 years ago.This week the task is to sell at least A$250 million in mortgage bonds. The WB Trust 2010-1 adopts a conventional, four-tranche waterfall for the flow of principal payments.There is no effort in this structure to draw in investors who are not normally looking at RMBS as an asset class as recent banks deals have done.