Category Archives: Australian Bankers Association
by Jim O’Toole
Senator in exile, Rodney Culleton, after being locked in battle with the corporate Australian legal system since 2016, has filed an action in the High Court of the United Kingdom to have his expulsion from the senate overturned.
Culleton said yesterday he was excited the High Court had accepted his Constitutional argument in the first step to overturn the Australian High Court direction he be thrown out of the senate because of bankruptcy.
“I have never been bankrupt,” he said.
A single judge of the Federal Court issued sequestration orders against Culleton in 2017 freezing his assets in spite of a 21 day stay of proceedings being granted by the Federal Court.
Vexatious litigant and Perth businessman Dick Lester claimed Culleton owed him $200,000 over a failed sale contract on land, a claim pursued hotly by Culleton but he says Federal Court Judge Michael Barker failed to follow court rules, ignored all due process and did not look at his affidavits.
“When I was sworn-in as a senator on August 30, 2016, I swore allegiance to Queen Elizabeth 2 of the United Kingdom, making an oath to uphold the law.
“I did not swear allegiance to the fictitious Queen of Australia.
“This ceremony was witnessed by the Governor General and his deputy.
“It should be noted the Commonwealth Constitution Act of Australia 1900, (UK) remains in force and cannot be repealed by an Australian Government.
“The High Court of Australia does not have the jurisdiction to throw senators or members out of Parliament. Either House has the only jurisdiction under s47 of the Constitution to deal with a Member’s qualification.
“The Constitution is everyone’s contract but we can’t get a remedy in Australian star chambers which don’t recognise the Constitution.”
The HCA has long drawn criticism from those being refused a hearing on Constitutional matters, with litigants claiming the court is not functioning as a Chapter 3 court as required by the Constitution.
Culleton gave the example of any senator or MHR who files an action in the HCA. It is unlawful for the court to hear any evidence relating to parliamentary procedures under s16 (iii) of the Parliamentary Privileges Act 1987, he said.
“As a result they threw out my Motion 163 without having jurisdiction because they are not sitting as a Chapter 3 court operating under the proper Crown.
“There is no such thing as the ‘Queen of Australia’.
Culleton has asked the Law Lords of the Queens Bench to examine his request to debate his senate Motion 163 of 2016 which the Solicitor General filed in the HCA.
The statement of agreed facts filed in the HCA by the Solicitor General states a NSW Magistrate, in Culleton’s absence could not imprison him for the alleged theft of a $7 truck key from his own truck.
This matter could have, if imprisoned, disqualified Culleton from the senate under s44 of the Constitution.
“Motion 163 of 2016 was a requirement passed by the House announcing that Attorney General George Brandis’ referral of November 7, 2016 to the HCA is faulty and that there needs to be further investigation into that faulty action, originally orchestrated by former Senators Parry and Brandis, which was never passed by any procedure of law, ,” Mr Culleton said.
He said the senate could not lawfully vote on Brandis’ December 7 motion at the time because there were insufficient senators present to form a Quorum under s22 of the Constitution and the relevant material was withheld from the chamber by Senator Brandis and Senator Pauline Hanson.
Culleton’s legal team remains in London until a hearing date is set by the full bench.
by Senator Fraser Anning
Since becoming a Qld Senator last year, I have assigned a staffer to listen to the stories of people who have been victims of questionable lending practices of Banks.
I wanted to assist these people by helping them find ways to receive justice. At the same time, I have been trying to get the Banking Royal Commission extended so they can deal with all the problems
in the banking system.
I have been motivated by the experiences of several close friends who have been victimised by banks and who have unjustly lost their assets and their livelihood.
The Government has resisted calls to extend the Royal commission, but less than 30 cases (from the 10,000 submissions to the RC) have been looked at. This means that so far, only the tip of the iceberg has been exposed.
During my investigation into this subject, I have been staggered by the depth of deceit and manipulation that I have heard from Bank victims involving the clever and deceptive actions of banks, lawyers, receivers, liquidators and other bank agents. The public has been kept completely in the dark by a media which is indifferent at best.
My staff have looked at more than 80 cases in detail. Many of these unfortunate people had successful businesses, farms, pubs, and houses worth millions of dollars. Within a short time, their assets were sold, and they were bankrupted.
The bankruptcies appear to have been a tactic to make sure they did not have any means to fight back.
Some victims have suicided, but many, many more have been so depressed and distraught they cannot even bear to hope for justice. My staff know of several who could not even write a submission to the Royal commission due to the pain of remembering the details.
There are three points I want to make for Australians to consider:
1) It is vital we elect people in parliament who will not be corrupted by party politics or personal payoffs. Unfortunately, few will buck the system and stand on the side of justice.
Instead, they allow themselves to be controlled by the party. I don`t believe the dominating party system was the intention of our nation’s founding fathers, and …….it is destroying our democracy and preventing justice from being done.
2) If you are a bank victim, I suggest you join in with the hundreds of others who are getting mobilised to find ways to get justice. Please contact my office to learn how to get in touch with the appropriate people.
3) Many Bank victims (and one of my staff) have been attending Bank AGMs to inform shareholders and the banks boards about the human consequences of bank actions.
These actions have financially and emotionally destroyed some customers. I encourage people to use BANK AGM`s as ways to shine a light on the corrupt behaviour of banks (and their agents), so they will be pressured from inside as well as from outside their organisations.
I wish all Australians well and I encourage them to say hello whenever I visit their area.
Non-recourse lending needed urgently to curb banks
Plummeting house prices has KAP Leader and Federal Member for Kennedy Bob Katter slamming the banks saying it’s time we stepped in line with other countries and introduced non-recourse lending to prevent further torture to homeowners while the banks take a free ride, using their power to “drive over the top of us” and “crush us at their whim”.
Currently, Australia has recourse lending, while America (and most other countries) have non-recourse lending, which means the bank can only get the house back; they can’t get the debt back.
“The borrower pays off $100k on their $500k house, he’s behind on his repayments, the bank sells it up for $300k, they get a tax write off of $100k, they have an insurance loan guarantee that pays off the other $100k. Meanwhile, the poor old once proud homeowner now has no house, has lost $100k and is $200k in debt – he’s a debt slave for the rest of his life,” Mr Katter said.
“Undoubtedly we’d be one of three or four key players in securing the banking enquiry – we never made a call for it without reference to the overheated housing market.
“There is an impending disaster – the average price of a house in Sydney, Newcastle and Wollongong is $800,000 and the average take home pay for a couple is around $80,000 – how are you going to service that debt?
“KAP policy says that Australia must get in step with other countries. The bank knows better than a 23-year-old newly married apprentice and whether he and his wife can afford to pay $1000pw.
“It may be argued the bank is more culpable than the borrower – in America there is non-recourse lending where the banks, as they should, share the loss.
“Further, I am scared silly that the ALP actually intends to abolish negative gearing, people buying houses for investment will leave the market and housing prices will collapse even further, and I want people to know cold bloodedly there is a crashing down of housing values that will be precipitated if Labor proceeds with extraordinarily irresponsible action,” Mr Katter said.
There were explosive scenes at the banking royal commission on November 27, during its final days as an audience member accused it of “concealing fraud”.
ASIC a toothless tiger when it comes to the Commonwealth Bank
The banking royal commission was hijacked this afternoon by an outburst from an angry audience member who accused it of fraud.
The man interrupted senior counsel assisting the commission Rowena Orr QC, who was questioning Australian Securities and Investments Commission (ASIC) chair James Shipton.
Royal commissioner Kenneth Hayne QC repeatedly asked the man to stand down without success, and appeared to be thoroughly unimpressed during the tirade.
The man, who had been seated in the public gallery, ranted against alleged corruption within the banking and financial services industries.
Although his words were difficult to hear over the commission’s webcast, he was clearly heard accusing the commission of being “corrupt” and “concealing fraud”.
“Why are you concealing the greatest fraud in this country which is variable interest rate loans?” he said.
Security eventually escorted the individual from the courtroom.
In typical Rowena “Shock and Orr” style, the QC continued on completely unfazed, immediately firing off her next question.
Earlier today, Mr Shipton admitted ASIC should take criminal action against the bigger financial institutions more often, and said the organisation had failed to act against the Commonwealth Bank’s mishandling of consumer credit insurance and National Australia Bank’s home loan fraud.
“Today these matters would be handled very differently,” Mr Shipton said.
“I used the word mistake deliberately because mistake, in effect, constitutes a misguided decision.”
He said ASIC had only just started to take action against CBA in October — more than two years after the bank owned up to the insurance mis-selling.
Mr Shipton, who has been in the top job since February this year, said ASIC had focused on fixing the problem with customers instead of taking action against the bank.
“In some cases I clearly am of the view that we should have tried to and work towards running both remediation program and the enforcement investigation at the same time, in parallel,” he said.
But Mr Shipton insisted ASIC would be pursuing more legal action in the future when faced with banking misconduct.
“I want to make it crystal clear we will be undertaking more court-based actions,” he said.
“We will be more adventurous, as it were, in pushing points of law.
“We will be taking more — let’s call it risks, because we now have, through my direct engagement with the government, more funding to do exactly that.”
The commission also heard CommBank was concerned about being seen as “paying off” ASIC after the bank was let off the hook with a $300,000 community donation — which the regulator agreed with — instead of a fine over misleading CommInsure ads which were found to have breached the law.
“It was a mistake not to act quicker, swifter and earlier,” Mr Shipton said in response.
Ms Orr’s trademark, dogged questioning was on show yet again today, as she repeatedly insisted Mr Shipton answer her questions thoroughly during a number of tense exchanges with the witness.
The inquiry has ended without the Commissioner calling for extra time to examine more than the 27 distressed farmers it heard, out of more than 10,000 submissions it received.
by Gil Hanrahan
West Australian senator in exile Rodney Culleton has called on the senate President Richard Pye to call him and former senator Jacqui Lambie to appear before the senate by issuing a writ of Habeas Corpus.
Culleton has been dogged by state and federal government-initiated law suites since being forced out of the senate. When sitting in the senate he pushed for a Royal Commission into corrupt behaviour of banks and for the High Court to reinstate Queen Elizabeth 2 to legal process.
With the help of federal MP Bob Katter, he was successful with the Banking Royal Commission. In part, he got the Queen restored but he pointed out the HCA actually reinstated the fictitious Queen of Australia, which he says is not a lawful entity.
The maverick former farmer has been stymied by government in every legal move he has made to get himself reinstated to the senate.
On the evidence, there is no doubt government has called in judicial favours to knock out his appeals on every occasion, in all levels of courts.
Culleton has also called on the senate to include all other sacked senators, removed as a result of an order from the HCA sitting as the Court of Disputed Returns sought by the Turnbull Government which he says was in breach of the Commonwealth Constitution.
He has asked the senate to debate Motion 163 of 2016, which was lawfully enacted on December 1, 2016 and warned that s147.1 of the Criminal Code Act of 1995 could be invoked for failing to list the motion for further debate.
“Motion 163 of 2016 was a requirement passed by the House announcing that the referral of November 7, 2016 is faulty and that there needs to be further investigation into that faulty action, which was never passed by any procedure of law, orchestrated by former Senators Parry and Brandis,” Mr Culleton said.
“Brandis’ motion to the House in constitutionally forming a meeting by way of a Quorum on November 7, 2016 as defined in s 22 Constitution was a failure of the tellers who counted the ‘Ayes’ and ‘Noes’ who should have noticed insufficient senators were present to take a vote.”
It is of interest that former inept senator George Brandis was whisked away to London to fill the position of Australian High Commissioner, a reward from Turnbull, the Australian Bankers Association representative in government.
Former senate President Stephen parry, a former Tasmanian police officer, has disappeared from the face of the earth after allegations of his involvement in a massive cover-up concerning the framing of alleged Port Arthur shooter, Martin Bryant, caught up to him while sitting as President.
Don’t fall afoul of Clintons or they will ‘turn off your chip’
by Alex Bruce
The zombies in our governments and in the mainstream media are observably controlled, whether through bribery, blackmail or both.
If the film, ‘The Spider’s Web’ details the rise of secrecy jurisdictions that have allowed entities to hide their ill-gotten assets in offshore banks, this interview between Douglas Gabriel and Michael McKibben charts the provenance of the Federal Public Key Infrastructure Architecture (FPKIA) of encryption and certificates, which has facilitated total surveillance and the power to blackmail anybody worth blackmailing.
McKibben, Founder of Leader Technologies has been engaged in massive forensic research to produce indictable evidence for their case against Facebook. Several times along the way, they’ve been floored by their discoveries about how the world actually works, in the spheres of high finance, governments and telecommunications.
A recent finding has left him particularly flabbergasted: Hillary Clinton and her cronies have access to all of the digital keys for all transactions on the planet. In other words, unless you can build a new Internet, you – and say, your cryptocurrencies, for example – are accessible by them. This is literally how they can (and do) “turn off your chip”, in the words of the late Aaron Russo.
It started back in the 1980s, while Hillary was a patent attorney at the Rose Law Firm, which for some odd reason represented the patent claims of many of the entities who would become today’s Tech Giants. (That’s a long story that I’ll attempt to unpack in future posts).
Focusing back on the fundamental encryption keys used on the Internet: McKibben says that back in 1993, the Clinton Administration began giving these backdoor encryption keys to the FBI. He says, “By that I mean, anytime you connect from one computer to another, those computers exchange keys and without those keys, you can’t encrypt or decrypt the signal coming from one machine to another.
“So literally, these keys are used in every transaction on the planet that uses the Internet and what we’ve discovered and – I’m still reeling, my mind is boggled by what we’ve now come to find out, but that a company called Entrust was created in 1998 as a spin-off of a Canadian telephone company [Nortel, a now-defunct Canadian telecommunications conglomerate, with people like former US Secretary of Defense, Frank Carlucci on its Board of Directors. Its 2009 bankruptcy was the largest in Canadian history, leaving pensioners and shareholders with staggering losses while Nortel executives continued to draw “retention bonuses” totaling US$190 million during the eight-year post-bankruptcy period].
McKibben continues, “Entrust became the certificate authority for issuing these digital keys for many organizations and we’ve had people looking at the securities filings for this company from 1998 to 2009, when they sold out to a San Francisco firm and what we discovered, astoundingly is that Hillary Clinton’s partner at the Rose Law Firm [Jerry C Jones] directs this company as a Class-One Director. He was slipped in in late 2003 and this means that we can show solid proof that the entire Internet has been compromised, in that Hillary Clinton and the Clintons have access to all the digital keys for all transactions on the planet.”
[AB note: This relates to how people who run afoul of her are robotically de-platformed and de-monetized, as part of the developing Internet of Things and its attendant Social Credit System].
“That is just astounding, how a private individual could have come to have such power but the facts are now clear, that’s the circumstance we’re in right now. This includes almost all of the agencies, executive agencies of the government and that includes the Federal Deposit Insurance Corporation (FDIC), Department of Treasury, Department of Commerce, National Institute of Standards and Technology (NIST), General Services Agency (GSA), the Department of State, the Department of Energy, the US Post Office, the US Patent Office, the US Marine Corps, the US Coast Guard and on and on and on and then beyond that, we see the names of most of the major telecommunications players in Canada, in Scandinavia, in Denmark. According to their records they have over 2,000 key customers and therefore, the Clintons through their Director, his name is Jerry C Jones have access to the entire back door of the Internet.”
I’m trying to keep this article short but will stay on this development. You can hear many more mind-blowing details in this interview.
Running Time: 53 min
The nation urgently needs a Donald Trump clone, to ‘Make Australia Great again’
Suicide watch for hundreds of ailing farmers
27 June 2018: KAP Leader and Federal Member for Kennedy Bob Katter is not giving up on his steadfast campaign to get decent banking services and a fairer financial system for all Australians, especially rural communities. Mr Katter came out swinging in Parliament today and used Question Time to ask the Treasurer about the scope of the Royal Commission.
Mr Katter’s question follows his attendance at the farm finance hearings in Brisbane yesterday to support Aussie farmers whose lives have been profoundly impacted by unethical banking practices. Mr Katter left the hearing feeling deeply frustrated that the Royal Commission isn’t going far enough and might end up being a ‘toothless pussycat’ because the watered down terms of reference set by the Government mean a solid outcome is highly unlikely.
Yesterday, Mr Katter politely asked Commissioner Kenneth Hayne:
Are we going to address why these things happened and what we can do about it to improve it in the future? Is the commission going to address those issues? at
And today, Mr Katter followed up the fight by asking the Treasurer:
In Australia where only two entities buy and sell food.
In a world where 41% of farm income is from Government the removal of collective bargaining and all tariff/subsidy yarded Australian farmers for butchering by the banks. Can you assure the house that the Royal Commission will include the ‘carrion’ – the receivers and ‘address’ the issue of a Reconstruction Bank, enabling farmers to ride the roller coaster of supply and demand?
It won’t remove the truncating by taxes of the ‘ups’ but it will at least stop the banks from “elongating the downs” with a continuous imposition of discretionary punitive charges.
Yesterday, Mr Katter stood beside a group of aggrieved and enraged farmers at a press conference outside the Commission and he will continue to advocate for these hardworking people.
“Most of the mob around me has been fighting for this for five or six years. And the fact that the banks were able to set up the Royal Commission, and not we the people, it is frustrating for us. We are seeing all the pain and horror filtered through the forensic process.
“The hide of this business, we are averaging one suicide every two weeks – and no one cared about us, no one did anything about it – and it continues today with one farmer doing away with himself every five or six days in Australia.
“Of course the banks will just go back to where they were before. They are under commercial pressures to compete against each other.
“These are people (the farmers) that have been on the land for generations and generations – they are not out for a big quid – they have fought a thousand elements and survived – but they can’t survive with the cards that have been dealt to them. We hope this Commission gives us the leverage we need to get a restoration of the Reconstruction Banks – to keep the other banks honest.
“We are now playing rugby league without a referee and the people of Australia are disgusted.”
Shortly after the press conference, Mr Hayne announced that the scheduled hearings on natural disaster insurance would be delayed to allow more time to examine farming finance.
For more information or a comment from Bob Katter please contact the media phone: 0418 840 243
Further background information
The Treasurer responded by stating:
I thank the member for his question and his passionate interest in these topics. Can I assure him that the terms of reference would catch liquidators, to the extent that they were operating on behalf of a financial services entity—for example, a receiver—as defined in the letters patent. The constitution has an insolvency head of power which would likely enable the commission to use its coercive powers to obtain evidence from liquidators. In looking at the conduct of liquidators, the commission may also seek to investigate other appointments, such as forensic investigators, accountants or valuers, which are often part of the receivership process, as the member would be aware. Referring to registered liquidators or receivers would single them out from the wide category of services—for example, accounts and orders that are similarly captured—and it may be inferred by some that other similar services are not included.
Rural debt was around $71.6 billion as at 30 June of 2017, and 96 per cent of that debt is held by the banks. Our agricultural sector exports are some $51.6 billion. Seventy per cent of Australian farm business is in grain, beef and sheep. It’s also important to note, as the member would also be keenly aware, that these farm businesses typically have a turnover of less than $10 million.
What the royal commission has been tasked to do is look at all of these matters I’ve referred to. I’m not going to prejudge—I’m sure the member wouldn’t expect me to—the findings and recommendations of the royal commission. He’s unconstrained in that matter and in relation to the specific issues he’s raised and the proposals that he’s put forward here. I understand he’s ventilated at the commission itself. He will have the opportunity to respond to that and make such recommendations to the government as are appropriate.
The Treasurer’s response indicates that the Royal Commission terms of reference will look at receivers but this seems to be at odds with what the counsel assisting Rowena Orr told the Commission on Monday 25th June:
The conduct of receivers does not fall within the terms of reference of this Royal Commission, because receivers do not fall within any of the categories within the definition of a financial services entity. Most relevantly, for present purposes, a receiver cannot be considered to be a person or entity that acts or holds itself out as acting as an intermediary between borrowers and lenders. This is because, while receivers are appointed by a bank, they are generally stipulated to be an agent of the borrower and they are separate to a separate and distinct regulatory regime under chapter 5 of the Corporations Act. As such, the conduct of receivers is not within our terms of reference and will not be examined in these hearings.
The federal Member for Kennedy Bob Katter on June 25 introduced a private member’s bill into the Australian Parliament to protect the economy and bank customers from dangerous financial speculation and predatory banking.
The Banking System Reform (Separation of Banks) Bill 2018 is based on the USA’s successful Glass-Steagall Act. It will separate Australia’s commercial banks, which hold deposits, from risky investment banking, as well as other financial services that Australia’s banks have acquired in recent decades, including insurance, superannuation, wealth management, and stock broking.
The ongoing Financial Services Royal Commission, which Bob Katter led the political fight to establish, has laid bare the predatory banking practices that the bill will end. The revelations from the royal commission have been so dramatic that it has attracted global attention, and kindled fear in the City of London that Australia’s inquiry could lead to a renewed push to break up Britain’s too-big-to-fail banks.
Katter excoriated Australian banking in a passionate speech introducing his bill. “The situation in Australia is ugly and it is evil”, he said, “and this legislation is needed to overcome those problems and what effectively it says is—‘Mr Banks you are no longer out there in the market, in the arena buying and selling. Your job is to loan to people that buy and sell, develop and invest. You don’t do that, you judge them.’”
Aside from the conflicts of interests in banking, Katter’s chief concern in moving Glass-Steagall is for the looming financial crisis arising from the banks’ speculation in real estate and derivatives. He identified the reckless speculation threatening the financial system today was also the cause of the 1929 crash, which led to the passage of the Glass-Steagall Act in 1933.
“What we’re talking about here is derivatives: when you don’t buy a loaf of bread; you buy a contract to buy a loaf of bread”, he said. “That is what we call a derivative.
“Glass-Steagall came in and it overcame the vast bulk of those problems so that the American economy ran fairly effectively, making it three, four, five times the size of any other economy on earth, until Mr Bill Clinton, ‘Mr Free Markets’ himself. … In 1999, he abolished the Glass-Steagall Act. Within two years, the dot-com collapse occurred, taking down trillions of dollars of savings, superannuation and retirement moneys of Americans and the rest of the world, and in 2008, as we’re all familiar with, came the GFC.
“Clearly, that timeline indicates the necessity for Glass-Steagall legislation in this place.”
The most immediate danger for Australia, Katter emphasised, is from the bubble in the real estate market.
“The housing boom in Australia today—does anyone seriously think that we are not sitting on the brink of disaster?” he warned. “A quarter of Australia’s population, maybe a third, live in Newcastle, Sydney and Wollongong. The average price of a house is over $800,000. That means that 50 per cent of the houses are over that value. Yet the average income for an Australian after tax is about 50 grand a year [$50,000]. So how are they going to make the repayments on a house? And yet they’re buying houses. The banks are financing them. The banks make money when you go broke and they sell the house out from under you. They don’t lose money; they make money out of what has occurred. They should be held responsible.
“I would love to be in a business that is guaranteed by the government”, he continued. “If I buy a corner store and I know that, if I go broke, the government’s going to give me the money, everyone will be buying corner stores in Australia. They are given this, but there is no responsibility placed upon their shoulders to act in a prudential manner.”
Katter singled out the team of people responsible for organising the bill, including Robert Barwick, Dr Wilson Sy, and Bob Butler. Sy is the former principal researcher at bank regulator APRA (Australian Prudential Regulation Authority). Barwick and Butler are representatives of the Citizens Electoral Council, which has led a nine-year campaign to get Glass-Steagall legislation enacted in Australia.
It is significant that on the same day as Bob Katter introduced his bill, Australia’s biggest bank CBA announced it was demerging from its wealth management businesses, as if to send the message that Glass-Steagall legislation is unnecessary because the banks are doing it voluntarily. On closer examination, however, CBA is not completely demerging from other services, and along with the other big banks it is continuing to speculate in dangerous derivatives and other forms of financial gambling. Only a strict Glass-Steagall law will end these practices, which is the intention of the Katter bill.
As a private member’s bill, Katter’s Separation of Banks Bill 2018 will only be debated if a majority of members of parliament agree to do so, which will require the support of one or the other major party. Ordinarily, the governing Liberal Party would be expected to protect the banks, but many Liberal politicians are shocked by the revelations of the royal commission and are concerned about a financial crash. And what about the Labor Party—will it block or delay Glass-Steagall the way it blocked the banking royal commission for six years, or return to its roots as champions of working people against the Money Power? It will be up to the Australian people to demand the major parties stop protecting the banks, and allow a debate and vote on Glass-Steagall.
Source: A Current Affair
Central Queensland cattle farmer Debbie Viney claims her bank manager told her he would take his own life if he were in her shoes, in the middle of one of the worst droughts in Australian history.
Ms Viney said she met Rabobank executive Peter Stevens at a farm show six years ago, where he told her he could give her a cheaper mortgage than the one she had.
She took him at his word and switched to Rabobank, a multinational bank that specialises in loans to farmers across the world.
Federal Queensland MP Bob Katter said Australia had “the most unprofessional, unrestricted free banking”.
He said mental health issues were a vital issue in rural Australia.
“There’s a farmer committing suicide every four days in this country,” he said.