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FHUS|CreditCards/MauriceBlackburn/SecondLetterToMauriceBlackburn_25-Jun-17.htm FHUS|CreditCards/Class_Actions/Class_Actions.htm FHUS|CreditCards/Class_Actions/Eligible_Persistent_Revolver_Plaintiffs.htm FHUS|CreditCards/DefinedTerms/ReserveBankOfAustralia.htm FHUS|CreditCards/DefinedTerms/Statutory_Duty.htm FHUS|CreditCards/DefinedTerms/Fiduciary_Duty.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/DefinedTerms/Labyrinth_Of_Concealed_Spiders.htm FHUS|CreditCards/DefinedTerms/Unconscionable_Conduct.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/Financially_Uneducated_And_Vulnerable.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm FHUS|CreditCards/DefinedTerms/QuotesFromReputableAuthorities.htm FHUS|CreditCards/MauriceBlackburn/Maurice_Blackburn_response_letter_14_July_17.pdf NHSS|https://www.bankreformnow.com.au/ NHSS|https://www.bankreformnow.com.au/ FHUS|CreditCards/DefinedTerms/Statutory_Duty.htm FHUS|CreditCards/DefinedTerms/Fiduciary_Duty.htm FHUS|CreditCards/Class_Actions/Persistent_Revolvers.htm FHUS|CreditCards/DefinedTerms/Extensive_Powers_of_the_RBA.htm FHUS|CreditCards/RBA/Sect_11_Reserve_Bank_Act_1959.htm FHUS|CreditCards/RBA/AccessRegimes/section_18.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Line_Of_Credit.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/Class_Actions/Transactors_and_Revolvers.htm FHUS|CreditCards/Class_Actions/Transactors_and_Revolvers.htm FHUS|CreditCards/DefinedTerms/Purchase.htm FHUS|CreditCards/DefinedTerms/Cash_Advance.htm FHUS|CreditCards/DefinedTerms/Section_50_of_Banking_Act_1959.htm FHUS|CreditCards/RBA/C2016C00750-Banking_Act_1959_current_Feb-17.pdf FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/RBA/Comms/Section_8_of_Writer's_letter_to_RBA_dated\\ 8_Dec_11.htm FHUS|CreditCards/RBA/Comms/Response_to_RBA_8_Dec_11b.htm FHUS|CreditCards/RBA/Comms/Response_to_RBA_8_Dec_11b.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/RBA/Comms/RBA_response_email_10-Nov-11.htm FHUS|CreditCards/ABC/ParliamentaryActs\\ MoU's.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_17.htm FHUS|CreditCards/Class_Actions/Persistent_Revolvers.htm FHUS|CreditCards/Class_Actions/Persistent_Revolvers.htm FHUS|CreditCards/NewsDaily/AustraliasMostPredatoryCreditCards.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/DefinedTerms/Financially_Uneducated_And_Vulnerable.htm FHUS|CreditCards/DefinedTerms/Extreme_Financial_And_Emotional_Distress.htm FHUS|CreditCards/DefinedTerms/Section_50_of_Banking_Act_1959.htm FHUS|CreditCards/RBA/C2016C00750-Banking_Act_1959_current_Feb-17.pdf FHUS|CreditCards/ABC/Two_Effortless_Changes.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/ABC/Six_Pivotal_Credit_Card_Publications.htm NHSS|https://www.bankreformnow.com.au/ FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/RoyalCom/Questions/Questions_Table.htm FHUS|CreditCards/DefinedTerms/Supporting_Documented_Evidence.htm FHUS|CreditCards/DefinedTerms/Statutory_Duty.htm FHUS|CreditCards/DefinedTerms/ReserveBankOfAustralia.htm FHUS|CreditCards/DefinedTerms/Parliamentary_Bestowed_Mandate.htm FHUS|CreditCards/APRA/APRA.htm FHUS|CreditCards/ASIC/ASIC.htm FHUS|CreditCards/RBA/council_of_financial_regulators.htm FHUS|CreditCards/RBA/AccessRegimes/section_18.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/DefinedTerms/Credit_Cards.htm FHUS|CreditCards/DefinedTerms/Usury_Unsecured_Interest_Rates.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/UnconscionableCreditCardInterestCharging.htm FHUS|CreditCards/DefinedTerms/UnconscionableCreditCardInterestCharging.htm FHUS|CreditCards/ABA/Banking_Code_of_Practice_2019_web.pdf FHUS|CreditCards/ABC/Banks_revamp_code_of_practice.htm FHUS|CreditCards/ABC/Banks_revamp_code_of_practice.htm FHUS|CreditCards/ABC/Banks_revamp_code_of_practice.htm FHUS|CreditCards/DefinedTerms/Interest_Free_Period.htm FHUS|CreditCards/DefinedTerms/Outstanding_Indebtedness.htm FHUS|CreditCards/DefinedTerms/Outstanding_Indebtedness.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_9.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_9.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_9.htm FHUS|CreditCards/RBA/overview.pdf FHUS|CreditCards/RBA/overview.pdf FHUS|CreditCards/RBA/overview.pdf FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/Class_Actions/Persistent_Revolvers.htm FHUS|CreditCards/DefinedTerms/Extreme_Financial_And_Emotional_Distress.htm FHUS|CreditCards/DefinedTerms/Credit_Card_System.htm FHUS|CreditCards/DefinedTerms/Payments_System.htm FHUS|CreditCards/DefinedTerms/Extensive_Powers_of_the_RBA.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_9.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_9.htm FHUS|CreditCards/RBA/overview.pdf FHUS|CreditCards/DefinedTerms/Extensive_Powers_of_the_RBA.htm FHUS|CreditCards/BankOfEngland/CorporateGovernance-BoardResponsibilities.htm FHUS|CreditCards/Federal_Reserve/About_Federal_Reserve_System.htm NHSS|https://www.claytonutz.com/knowledge/2014/june/doing-business-in-australia-the-nine-main-regulators FHUS|CreditCards/Guardian/interestfree_credit_card_trap.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/DefinedTerms/Financially_Uneducated_And_Vulnerable.htm FHUS|CreditCards/DefinedTerms/Lack_Financial_Acumen.htm FHUS|CreditCards/DefinedTerms/Labyrinth_Of_Concealed_Spiders.htm NHSS|https://www.rba.gov.au/about-rba/our-role.html FHUS|CreditCards/RBA/PaymentsSystemBoard’sMandate&Objectives.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/RBA/role-board.pdf FHUS|CreditCards/RBA/role-board.pdf FHUS|CreditCards/RBA/Comms/ResponseLetter_March2018/1._Since1911.htm FHUS|CreditCards/RBA/Unpleasant_truth_about.htm NHHS|http://fsi.gov.au/files/2014/01/Chpt1-12.pdf FHUS|CreditCards/RBA/Comms/ResponseLetter_March2018/1._Since1911.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_17.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_17.htm FHUS|CreditCards/RBA/FiduciaryDuty/overview_of_financial_services_post_deregulation.htm FHUS|CreditCards/RBA/Price_stickness_in_credit_card_interest_rates.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_5.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_17.htm FHUS|CreditCards/DefinedTerms/Section_50_of_Banking_Act_1959.htm FHUS|CreditCards/RBA/C2016C00750-Banking_Act_1959_current_Feb-17.pdf FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_5.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/DefinedTerms/Cash_Advance.htm NHSS|https://www.latitudefinancial.com.au/credit-cards/go-mastercard.html FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/DefinedTerms/Extensive_Powers_of_the_RBA.htm FHUS|CreditCards/DefinedTerms/Payments_System.htm FHUS|CreditCards/DefinedTerms/Extensive_Powers_of_the_RBA.htm FHUS|CreditCards/RBA/C2016C00591.pdf FHUS|CreditCards/RBA/DesignatedAndRegulatedPaymentSystems.htm FHUS|CreditCards/RBA/C2016C00591.pdf FHUS|CreditCards/Class_Actions/Persistent_Revolvers.htm FHUS|CreditCards/RBA/Consultation_Document_14-Dec-2001.htm FHUS|CreditCards/DefinedTerms/Three_RBA_Published_Papers.htm FHUS|CreditCards/ABC/Six_Pivotal_Credit_Card_Publications.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/PredatorySaleOfAFinancialProduct.htm FHUS|CreditCards/DefinedTerms/NumeracyAndLiteracyTargeting.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/Actions/Transactors_and_Revolvers.htm FHUS|CreditCards/Actions/Occasional_Revolvers.htm FHUS|CreditCards/Actions/Persistent_Revolvers.htm FHUS|CreditCards/DefinedTerms/Usury_Unsecured_Interest_Rates.htm FHUS|CreditCards/RBA/Attachment\\ 'C'__RBA-Our_Role.htm FHUS|CreditCards/RBA/Attachment\\ 'C'__RBA-Our_Role.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/Class_Actions/Persistent_Revolvers.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/DefinedTerms/Usury_Unsecured_Interest_Rates.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_5.htm FHUS|CreditCards/RBA/AccessRegimes/DesignationCreditCardSchemesAustralia_2001.htm FHUS|CreditCards/DefinedTerms/Payments_System.htm NHHS|http://stackoverflow.com/questions/72768/how-do-you-detect-credit-card-type-based-on-number FHUS|CreditCards/RBA/AccessRegimes/CreditCard_Access_Regime_Feb-2004.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Payment_Schemes.htm FHUS|CreditCards/ACCC/memorandum_of_understanding.htm FHUS|CreditCards/RBA/AccessRegimes/Determine_Standards.htm FHUS|CreditCards/RBA/AccessRegimes/DesignationCreditCardSchemesAustralia_2001.htm FHUS|CreditCards/RBA/AccessRegimes/Division_2_Section_11.htm FHUS|CreditCards/RBA/AccessRegimes/CreditCard_Access_Regime_Feb-2004.htm FHUS|CreditCards/RBA/AccessRegimes/Division_3_Access_to_Designated.htm FHUS|CreditCards/RBA/C2016C00591.pdf NHHS|http://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/regulations.html FHUS|CreditCards/RBA/AccessRegimes/section_18.htm NHHS|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/RBA/AccessRegimes/section_18.htm NHHS|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/DefinedTerms/Section_50_of_Banking_Act_1959.htm FHUS|CreditCards/RBA/C2016C00750-Banking_Act_1959_current_Feb-17.pdf FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/RBA/AccessRegimes/Payment_Systems_(Regulation)_Act_1998.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_17.htm FHUS|CreditCards/RBA/loan_rate_stickiness.htm FHUS|CreditCards/DefinedTerms/Price_Stickiness_For_Credit_Cards.htm FHUS|CreditCards/DefinedTerms/Price_Stickiness_For_Credit_Cards.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_5.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/DefinedTerms/Purchase_Interest_Rate.htm FHUS|CreditCards/Actions/Persistent_Revolvers.htm FHUS|CreditCards/Actions/CreditCardStatistics_4-May-17.xls NHHS|http://www.creditcardfinder.com.au/credit-card-statistics FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Extreme_Financial_And_Emotional_Distress.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/Parliament/Revenues.jpg FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/Actions/Persistent_Revolvers.htm FHUS|CreditCards/Actions/CreditCardStatistics_4-May-17.xls FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/Parliament/Revenues.jpg FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/Actions/CreditCardStatistics_4-May-17.xls FHUS|CreditCards/Parliament/Revenues.jpg FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/Parliament/WrittenQuestions/Chapter_1.htm FHUS|CreditCards/DefinedTerms/HighestInterestRateCreditCards.htm FHUS|CreditCards/NewsDaily/AustraliasMostPredatoryCreditCards.htm FHUS|CreditCards/DefinedTerms/Purchase_Interest_Rate.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/ACA_Lawyers/SubmissionLetterTo_ACA_Lawyers.htm FHUS|CreditCards/WestpacReportOnDereg/WestpacReportOnDeregulation.htm FHUS|CreditCards/WestpacReportOnDereg/WestpacReportOnDeregulation.htm FHUS|CreditCards/RBA/PaymentsSystemBoard’sMandate&Objectives.htm FHUS|CreditCards/DefinedTerms/Statutory_Duty.htm FHUS|CreditCards/DefinedTerms/Fiduciary_Duty.htm FHUS|CreditCards/Class_Actions/Persistent_Revolvers.htm FHUS|CreditCards/DefinedTerms/Financially_Uneducated_And_Vulnerable.htm FHUS|CreditCards/DefinedTerms/To_Act_In_The_Public_Interest.htm FHUS|CreditCards/RBA/Sect_11_Reserve_Bank_Act_1959.htm FHUS|CreditCards/DefinedTerms/Extensive_Powers_of_the_RBA.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Payment_Schemes.htm FHUS|CreditCards/RBA/AccessRegimes/section_18.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/RBA/Consultation_Document_14-Dec-2001.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/RBA/Comms/Response_to_RBA_8_Dec_11b.htm FHUS|CreditCards/DefinedTerms/Retail_Supply_Side.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/RBA/Comms/Response_to_RBA_8_Dec_11b.htm FHUS|CreditCards/RBA/Comms/Section_8_of_Writer's_letter_to_RBA_dated\\ 8_Dec_11.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/DefinedTerms/Credit_Cards.htm FHUS|CreditCards/DefinedTerms/Purchase.htm FHUS|CreditCards/DefinedTerms/Credit_Cards.htm FHUS|CreditCards/DefinedTerms/Cash_Advance.htm FHUS|CreditCards/DefinedTerms/Three_RBA_Published_Papers.htm FHUS|CreditCards/DefinedTerms/Three_RBA_Published_Papers.htm FHUS|CreditCards/Actions/Persistent_Revolvers.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Usury_Unsecured_Interest_Rates.htm FHUS|CreditCards/DefinedTerms/Unconscionable_Conduct.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/Actions/Persistent_Revolvers.htm FHUS|CreditCards/RBA/Comms/Section_8_of_Writer's_letter_to_RBA_dated\\ 8_Dec_11.htm FHUS|CreditCards/Writer/Writer.htm FHUS|CreditCards/RBA/Comms/Response_to_RBA_8_Dec_11b.htm FHUS|CreditCards/RBA/Comms/Response_to_RBA_8_Dec_11b.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/Purchase.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/Cash_Advance.htm FHUS|CreditCards/DefinedTerms/Cash_Advance_Fee.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm NHHS|http://fsi.gov.au/files/2014/01/Chpt1-12.pdf FHUS|CreditCards/ABC/Six_Pivotal_Credit_Card_Publications.htm FHUS|CreditCards/DefinedTerms/Unconscionable_Conduct.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/RBA/Sect_11_Reserve_Bank_Act_1959.htm FHUS|CreditCards/RBA/AccessRegimes/section_18.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/DefinedTerms/Credit_Cardholders.htm FHUS|CreditCards/DefinedTerms/Financial_Literacy.htm FHUS|CreditCards/Class_Actions/Transactors_and_Revolvers.htm FHUS|CreditCards/DefinedTerms/Revolving_Line_Of_Credit.htm FHUS|CreditCards/DefinedTerms/Unconscionable_Conduct.htm FHUS|CreditCards/RBA/AccessRegimes/Determine_Standards.htm FHUS|CreditCards/DefinedTerms/Cash_Rate.htm NHSS|https://www.latitudefinancial.com.au/credit-cards/go-mastercard.html FHUS|CreditCards/RBA/Part\\ 5—Miscellaneous.htm FHUS|CreditCards/RBA/C2016C00591.pdf FHUS|CreditCards/DefinedTerms/Credit_Card_Issuer.htm FHUS|CreditCards/DefinedTerms/Interest_And_Penalty_Fees_Revenue.htm FHUS|CreditCards/DefinedTerms/Credit_Card_Products.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/DefinedTerms/User_Pays_Principle.htm FHUS|CreditCards/RBA/Consultation_Document_14-Dec-2001.htm FHUS|CreditCards/RBA/Sect_11_Reserve_Bank_Act_1959.htm FHUS|CreditCards/RBA/Section_10_Functions-of-the-RBA_Board..htm FHUS|CreditCards/RBA/Section_10_Functions-of-the-RBA_Board..htm FHUS|CreditCards/RBA/Section_10_Functions-of-the-RBA_Board..htm FHUS|CreditCards/RBA/AccessRegimes/section_18.htm NHHS|http://www.austlii.edu.au/au/legis/cth/consol_act/psa1998333/s18.html 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