A 58-year-old male smoker presents with painless visible haematuria. Urinalysis confirms blood, with no evidence of infection. According to Australian haematuria guidelines, what is the most appropriate next step?AReassure and repeat urinalysis in 12 monthsBTreat empirically with antibiotics and review if symptoms persistCArrange urgent urological referral for cystoscopy and upper tract imagingDStart anticoagulation to prevent clot formationEOrder PSA only and reviewCheck my answer