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Financial Services Royal Commission

From the first hearings of the royal commission, the senior counsel assisting, Rowena Orr QC, laid bare the toxic culture behind many consumer lending practices. Eddie Jim/AAP

Restructuring alone won’t clean up the banks’ act

Restructuring might help manage conflicts of interest between offering advice and selling products, but it doesn't fix the culture that sacrifices customers' interests to the pursuit of profits.

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Federal budget 2018

A mother in a low-income family can lose 85-95% of her earnings from working more days to income tax, loss of benefits and childcare costs. riopatuca/Shutterstock

Mothers have little to show for extra days of work under new tax changes

An 85-95% effective marginal tax rate means the second earner in a low-income family can increase from two days' work a week to three, four or five days and be better off by only about $4,000 a year.

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