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You sound a bitter uneducated uninformed incompetent. Not a good position to be in and obviosuly you have no understanding of what great things have bene achiebved by financial planners. You think hayne got it right? Then your just as incompetent wanting labour to win! Whois is the alternative? Company?

Are you illiterate? certainly not an accountant. It strongly appears you have no ability to judge and I hope labour continues to be your role and we need shearers and hole diggers too.