Submissions to this inquiry were received from the following individuals/organisations 
      and copies of those submissions are available from the 
. 
      
         
          | No. | 
          Received from | 
        
         
          | 1  | 
          The Foundation for Development | 
        
         
          | 2  | 
          GA Cossar & Co Pty Ltd | 
        
         
          | 3  | 
          Traditional Credit Union Ltd | 
        
         
          | 4  | 
          Trust Bank | 
        
         
          | 5  | 
          Queensland Government Agent | 
        
         
          | 6  | 
          Lismore Newsagency and Licensed Post Office | 
        
         
          | 7  | 
          Charles Sturt University | 
        
         
          | 8  | 
          Shire of Dumbleyung | 
        
         
          | 9  | 
          Flinders Council | 
        
         
          | 10  | 
          Mrs Wendy Anderson | 
        
         
          | 11  | 
          Miss Ivy Clarke | 
        
         
          | 12  | 
          District Council of Karoonda East Murray | 
        
         
          | 13  | 
          Confidential | 
        
         
          | 14  | 
          Mr Scott MacDougall | 
        
         
          | 15  | 
          Australian Competition and Consumer Commission | 
        
         
          | 16  | 
          Aboriginal and Torress Strait Islander Commission | 
        
         
          | 17  | 
          Indigo Shire Council  | 
        
         
          | 18  | 
          The Country Women's Association of Tasmania | 
        
         
          | 19  | 
          Council of the Shire of Culcairn | 
        
         
          | 20  | 
          Local Government Association of Tasmania  | 
        
         
          | 21  | 
          Catholic Women's League (Tasmania) Inc | 
        
         
          | 22  | 
          National farmer' Federation | 
        
         
          | 23  | 
          Head Injury Council of Australia Inc | 
        
         
          | 24  | 
          The Country Women's Association of Western Australia (Inc) | 
        
         
          | 25  | 
          Association of Independent Retirees Inc. | 
        
         
          | 26  | 
          Goldfield Esperance Development Commission | 
        
         
          | 27  | 
          Confidential | 
        
         
          | 28  | 
          Sisters of Mercy Rural Support Group | 
        
         
          | 29  | 
          Confidential | 
        
         
          | 30  | 
          Rural Action Movement of Victoria Inc | 
        
         
          | 31  | 
          Local Government Association of Northern Territory | 
        
         
          | 32  | 
          EG & MW Gallehawk  | 
        
         
          | 33  | 
          Municipal Association of Victoria | 
        
         
          | 34  | 
          Goyer Credit Union Working Party | 
        
         
          | 35  | 
          Catholic Women's League, Australia (Inc) | 
        
         
          | 36  | 
          State and Regional Development | 
        
         
          | 37  | 
          Australian Council of Businesswomen Ltd | 
        
         
          | 38  | 
          Office of Seniors Interests | 
        
         
          | 39  | 
          Wheatbelt Regional Development Commission | 
        
         
          | 40  | 
          The District Council of Elliston | 
        
         
          | 41  | 
          Clifton Shire Council | 
        
         
          | 42  | 
          Mr SW Steele | 
        
         
          | 43  | 
          The Pharmacy Guild of Australia | 
        
         
          | 44  | 
          Mr Dick Adams MP | 
        
         
          | 45  | 
          Elders Limited | 
        
         
          | 46  | 
          Australian Banking Industry Ombudsman Limited | 
        
         
          | 47  | 
          Finance Sector Union of Australia | 
        
         
          | 48  | 
          Local Government and Shires Association of NSW | 
        
         
          | 49  | 
          Council of the Shire of Cardwell | 
        
         
          | 50  | 
          Newcastle Regional Chamber of Commerce | 
        
         
          | 51  | 
          Credit Union Services Corporation (Australia) | 
        
         
          | 52  | 
          Richmond River Shire Council | 
        
         
          | 53  | 
          Australian Women in Agriculture | 
        
         
          | 54  | 
          Internet Industry Association | 
        
         
          | 55  | 
          St George Bank Group | 
        
         
          | 56  | 
          Women's Electoral Lobby (Victoria) Inc. | 
        
         
          | 57  | 
          Shire of Williams | 
        
         
          | 58  | 
          Monto Shire Council | 
        
         
          | 59  | 
          Hon Ian McLachlan | 
        
         
          | 60  | 
          South Australian Farmers Federation | 
        
         
          | 61  | 
          Department of Primary Industries and Energy | 
        
         
          | 62  | 
          Bendigo Bank Limited | 
        
         
          | 63  | 
          Australian Local Government Association | 
        
         
          | 64  | 
          Department of Fair Trading, NSW Government | 
        
         
          | 65  | 
          Australian Association of Permanent Building Societies | 
        
         
          | 66  | 
          Western Australian Municipal Association | 
        
         
          | 67  | 
          Donald 2000 Inc. | 
        
         
          | 68  | 
          Nundle Shire Council | 
        
         
          | 69  | 
          South Australian Country Women's Association Inc. | 
        
         
          | 70  | 
          Country Women's Association of NSW | 
        
         
          | 71  | 
          Mr Christopher McMahon-Winter | 
        
         
          | 72  | 
          The Queensland Country Women's Association | 
        
         
          | 73  | 
          Post Office Agents Association Ltd | 
        
         
          | 74  | 
          Golden Plains Shire | 
        
         
          | 75  | 
          Council of Small Business Organisations of Australia Ltd. | 
        
         
          | 76  | 
          Toner Cartridge Recharge Pty Ltd. | 
        
         
          | 77  | 
          Australia Post | 
        
         
          | 78  | 
          The Country Women's Association of Victoria Inc. | 
        
         
          | 79  | 
          Australian Federation of Business and Professional Women Inc. | 
        
         
          | 80  | 
          Australian Banker's Assocation | 
        
         
          | 81  | 
          Care Inc | 
        
         
          | 82  | 
          Consumers' Federation of Australia Inc | 
        
         
          | 83  | 
          Australian Consumers' Assocation | 
        
         
          | 84  | 
          Australian Pensioners' and Superannuants' Federation | 
        
         
          | 85  | 
          NSW Farmer's Assocation | 
        
         
          | 86  | 
          Mackay Taylor | 
        
         
          | 87  | 
          NSW Government | 
        
         
          | 88  | 
          Gumlake Pty Ltd | 
        
         
          | 89  | 
          Ms Catriona Wallis | 
        
         
          | 90  | 
          Council of Social Services of NSW | 
        
         
          | 91  | 
          Tasmanian Independent Wholesalers | 
        
         
          | 92  | 
          Northern Territory Government | 
        
         
          | 93  | 
          Queensland Government | 
        
         
          | 94  | 
          Mrs M Roberts | 
        
         
          | 95  | 
          Colonial State Bank | 
        
         
          | 96  | 
          Micro Business Consultative Group | 
        
         
          | 97  | 
          Department of Industry, Science and Tourism | 
        
         
          | 98  | 
          South Gippsland Shire Senior Citizens Centre Inc | 
        
         
          | 99  | 
          South Australian Government | 
        
         
          | 100  | 
          Department of Transport and Regional Development | 
        
         
          | 101  | 
          Tasmanian Council of Social Service Inc | 
        
         
          | 102  | 
          Mrs J Talbot | 
        
         
          | 103  | 
          National Australia Bank | 
        
         
          | 104  | 
          Mrs Rose Taylor | 
        
         
          | 105  | 
          Tasmanian Government | 
        
         
          | 106  | 
          Professor David Merrett | 
        
         
          | 107  | 
          Tyrell Advisory Committee | 
        
         
          | 108  | 
          Nhill Community Committee | 
        
         
          | 109  | 
          Centrelink | 
        
         
          | 110  | 
          TecBank Australia | 
        
         
          | 111  | 
          Reserve Bank of Australia | 
        
         
          | 112  | 
          MacArthur Advancement Development | 
        
         
          | 113  | 
          Shire of Southern Grampians | 
        
         
          | 114  | 
          Liberal Party of Australia (WA Division Inc) O'Connor Division | 
        
         
          | 115  | 
          Bendigo Bank | 
        
         
          | 116  | 
          Brian J O'Brien & Associates Pty Ltd | 
        
         
          | 117  | 
          Commonwealth Bank of Australia | 
        
         
          | 118  | 
          Telstra Corporation Ltd | 
        
         
          | 119  | 
          Commonwealth Bank of Australia | 
        
         
          | 120  | 
          Dr Neil Argent and Dr Frances Rolley- University of New England | 
        
         
          | 121  | 
          Commonwealth Bank of Australia | 
        
         
          | 122  | 
          Australian Banker's Association | 
        
         
          | 123  | 
          Yarrabah Community Council | 
        
         
          | 124  | 
          Liberal Party of Australia, O'Connor Division | 
        
         
          | 125  | 
          Bank of Western Australia | 
        
         
          | 126  | 
          State Parliamentary Labor Party, Western Australia | 
        
         
          | 127  | 
          Department of Primary Industries and Energy | 
        
         
          | 128  | 
          Corangamite Shire | 
        
         
          | 129  | 
          Westpac Bank | 
        
         
          | 130  | 
          KPMG | 
        
         
          | 131  | 
          Department of Primary Industries and Energy | 
        
         
          | 132  | 
          CreditCare | 
        
         
          | 133  | 
          Traditional Credit Union | 
        
         
          | 134  | 
          Local Government Association of the Northern Territory | 
        
         
          | 135  | 
          Shire of Halls Creek | 
        
         
          | 136  | 
          Confidential | 
        
         
          | 137  | 
          Dr Neil Argent et al | 
        
         
          | 138  | 
          Commonwealth Bank of Australia | 
        
         
          | 139  | 
          Credit Union Services Corporation | 
        
         
          | 140  | 
          Centrelink | 
        
         
          | 141  | 
          Commonwealth Bank of Australia | 
        
         
          | 142  | 
          Goldfield Esperance Development Commission | 
        
         
          | 143  | 
          Shire of Laverton | 
        
         
          | 144  | 
          Telstra | 
        
         
          | 145  | 
          Credit Union Services Corporation | 
        
         
          | 146  | 
          ANZ Bank |