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The cost of repayment is madness and the penalties estimated has double edged effect causing uncertainty in the market. The public still has not realised that the Royal Commission was an investigation into bad conduct. Good conduct has been 100% excluded. Have we forgotten that in the vast majority of cases, there has only been good conduct. However, focussing purely on bad conduct consistently only under minds and the brain washing continues. Think of the legend of Pierre the bombardier pilot.