Index

ability to repay (loans) 46

Aboriginal law 89
absolute majority 228
acceptance (contract) 19, 110
accessing the law 923
accommodation
arranging a lease 2067
finding the right place 204
shared 2045
types of 204
accounting equation 313
accused 77, 256
action plans 295
active citizenship 222, 2323
keeping informed 2223
youth citizenship in action 223
Acts of Parliament 82, 86
development from Bills 867
actus reus 2567
adult (legal capacity) 254
adversarial system 76
advertising 1545, 311
advertising media 155
Affirmative Action (Equal Employment
Opportunity for Women) Act 1986
(Cth) 119
age, and consumer decisions 14
agenda 296
air travel 240
All Ordinaries Index 62
Amazon.com 187
amendments (to a motion) 296
anarchy 70
anti-discrimination 11819
Anti-Discrimination Act 1977
(NSW) 119
appeals 74
appreciation (currency) 196, 283
arbitration 125, 267
arms trade 291
arrest, police procedure 2601
assets 313
association campaign 299
AusAID 1989
Australian Chamber of Commerce and
Industry (ACCI) 123
Australian citizens, rights and
responsibilities 2323
Australian Competition and Consumer
Commission (ACCC) 22, 160,
174
Australian Constitution 75, 84, 85,
220
Australian Consumers Association
(ACA) 223, 174
Australian Customs Service 174, 244
Australian Democrats 231

Australian Electoral
Commission 230
Australian Federation of Travel
Agents, code of ethics 243
Australian Financial Services
Directory 178
Australian Greens 231
Australian Labor Party 2301
Australian passport 244, 248
application 249
Australian Retailers Association 123
Australian Securities and Investments
Commission (ASIC) 22, 58, 138,
175
Australian Taxation Office (ATO) 127
Australian Workplace Agreement
(AWA) 11112
Australian Workplace Relations Act
1996 111
Australias international trade 1889
awards 11011
bail applications 74
bait and switch advertising 16
balance of trade 271
balance sheet 313
ballot papers 228
bank overdraft 27, 45
banking, Internet 1789
bankruptcy 54
bar graphs 106
barter 32
below-the-line promotions 155
beyond reasonable doubt 76
bicycles and the law 254
Bill, how it becomes law 867
bill payment, electronic payment
system 178
Billabong International
Limited 1923, 194, 195
blue chip shares 142
book up 289
boom (economy) 272, 275
borrowing money 446, 276
ability to pay 46
credit rating 46
for investment 136
getting a loan 45
going guarantor 46
reasons for/against 44
BPAY 28, 178
brands, comparing different 9
budgets 6, 48, 238
Business Activity Statement
(BAS) 312
business cycle 2725
fluctuations 274

318
Index

business decisions 6
affecting the community 224
business opportunities 3045
business-to-business (B2B)
transactions 168
business-to-consumer (B2C)
transactions 168
businesses, social
responsibility 1945, 225
buying a car 21213
buying decisions
choosing what to buy 9
choosing where to buy 1013
Canon Australia and the
environment 139
capital punishment 250, 258
car insurance 50, 210
car purchase 1213
CARE Australia 198
Carlill v Carbolic Smoke Ball Co.
(1893) 19
cartoons, analysis 1617, 94, 95, 112
case law 82
cash 26
cash flow statement 314
cash payment 213
casual work 102
casualisation of the labour force 106
caveat emptor 21
Centrelink 203
Certified Agreement (CA) 111
chairperson 296
Chamber Magistrate 96
changing laws 90, 91
Chappell & Co. v Nestle Co. Ltd.
(1960) 19
charged with an offence 261
charity campaign 298
cheques 27
child slavery 291
children, rights of 2645
Childrens Court 74
civil law 80, 2623
club campaign 299
Coca-Cola, selling techniques 1623
collective wants 286
commerce, and choice 47
commission 38
committal hearings 74
committee stage (Bill) 87
common law 823
beginnings 82
common law contracts 112
Commonwealth of Australia 220
Commonwealth Privacy Act 1990 181

community
contributing to the 217
organisations which make decisions
affecting the 2247
community concerns 222
community conferencing 267
community organisations 2867
achieving community
outcomes 2989
achieving objectives 2967, 298
impact on quality of life 288
individuals role 298
lobbying 297
meetings 296
negotiation 297
providing support 203
range of 287
roles and functions 288
using the political process 297
community participation 284, 2901
benefits of 292
global citizenship 2901
how to be an effective
participant 2923
limits of individual action 290
community services, accessing 216
comparison shopping 89
competition 304
conciliation 125, 267
condition report 206
consideration (contract) 19, 110
constitution 75, 84, 85, 220
constitutional monarchy 220
Consumer Affairs Division,
Department of Treasury 172, 174
consumer credit file 55
consumer decisions 45
factors affecting 1415
consumer information, government
and non-government
wesbites 1745
consumer legislation 201, 172, 176
consumer organisations 223
Consumer PING 172, 175
Consumer Price Index 280
consumer prices 280
consumer protection
and e-tailers 172, 176
need for 1617
consumer redress 245
Consumer, Trader and Tenancy
Tribunal 245, 207
consumers 4
caveat emptor 21
global 1867
implied conditions 21
legal rights 20
protective legislation 201
consumers online 172
continuing credit contract 213
contract 7, 1819, 262
elements 1819
formation, e-tailer purchase 176
what is it? 18

contraction (economy) 272

convenience
and consumer decisions 14
in product differentiation 1523
convenience corner stores 10
Convention on the Rights of the
Child 2645
conviction 256
cookies 181
copyright, Internet materials 181
Coroners Court 74
corporate social responsibility 1945,
225
Corporations Act 2001 138
councils 220, 221
business regulation 31011
counsel for the defence 77
court hierarchy 745
court personnel, role of 767
courts 267
interpreting laws 73
punishing law breakers 72
statutory interpretation 84
credit 267
credit bureaus 55
credit cards 26, 27, 28, 45
credit payment 213
credit rating 46
credit sales contract 213
creditors 54
crimes
common penalties for 259
punishment for 258
criminal law 801, 256
criminal liability 2567
criminal offences, and young
people 256
criminal trial 767
cultural diversity 194
cultural issues, overseas travel 250
currency
depreciation/appreciation 196,
2823
currency fluctuations, impact
of 2823
currency risks, global business 196
customer service
and consumer decisions 14
in product differentiation 152
customers, targeting 1589
cybermalls 1701
databases, for record keeping 31
debentures 141
debit cards 28
debt finance 307
debtors 54
decision-making process 227
decisions
affecting our lives 47
that affect the community 2246
defamation, on Internet 181
default notice 54
defendant 80

319
Index

defensive assets 145

democratic process
participation in 2289
rights and responsibilities of
individuals and groups 2323
demographic changes in
workforce 106
demographic factors, and business
opportunities 304
Department of Foreign Affairs and
Trade 238, 244, 248, 249
department stores 11
departure tax 244
depreciation (currency) 196, 2823
depression 272, 274
diagrams, interpreting 241
dial and pay 33
direct debit 27
direct mail catalogues 155
discount variety stores 11
discrimination 92
in the workplace 11819
dispute resolution 2667
in the workplace 1245
District Court 74
dividends 140
domestic trade, relationship with
international trade 187
double dissolution of Parliament 87
drawee 27
drawer 27
drug trafficking 250
e-commerce 166, 168, 186
advantages/disadvantages 1689
consumer issue advice 1745
financial services 1789
laws relating to young people
using 1801
online shopping 1703
scope of 1689
use for commercial purposes 168
e-consumer protection issues 1767
conduct of organisations 177
formation of a contract 176
e-tailers 168, 172, 187
and formation of a contract 176
conduct of organisations 177
e-tickets 250
economic development, and
international trade 1889, 271
economy
and global trade links 271
and levels of interdependence 270
flow of money 2701
specialisation within the 270
econsumer 174
education, benefits of for
employment 1089
educational expenses 41
electronic funds transfer at point of
sale (EFTPOS) 28, 33, 178
electronic transfers 43

employees 108
employment contract 11012
rights and entitlements 112
safety of 119
employers 108, 110
workplace safety 118
employers associations 123
employment
benefits of education and training
for 1089
full 114
types of 1023
see also unemployment
Employment Advocate 112
employment contract 110
types of 11012
employment decisions 6
employment declaration 127
encryption technology 171
enterprise agreements 111
entitlements of employees 112
entrepreneurs 302
skills required and personal
characteristics 3023
environmental decisions 7
environmental disasters 290
environmental factors
and consumer decisions 15
in product differentiation 153
environmental issues, transnational
corporations 196
environmental standards 194
equities 62
equity finance 307
escrow account 173
establishment costs 208
ethical investment 1389
ethics 88
international trade 1945
product placement 161
product promotion
strategies 1601
sponsorship deals 160
exchange rates 196, 250, 2823
exclusions (insurance) 210
Executive Council 86, 87
expansion (economy) 272
expenditure 401
expenses 313
types of 401
exports, Australia 188, 189, 271
extra income 61
ezines 180
Fair Trading Act 1987 (NSW) 16, 17,
20, 176
fairness in using the law 946
false advertising 16
federal government
business regulation 310
consumer protection
commissions 22
responsibilities 220
federal parliament 220, 221

Federation 220
fees for service 39
finance
and consumer decisions 15
for small business 307
financial advice, sources of 567
financial consequences, of poor
financial management 523
financial considerations, overseas
travel 250
financial counselling 54
Financial Counsellors Association of
NSW (FCAN) 54
financial decisions 6
financial factors, and travel
destination 238
financial institutions
accessing practical information and
services 178
interest on
deposits/borrowings 276
financial management
poor 525
responsible 489
financial planners, responsibilities and
legal obligations 57
financial problems, avoiding 208
financial records 31214
importance of 314
financial services, online 1789
financial services industry 56
laws regulating and
monitoring 589
professionalism 59
Financial Services Reform Act
2001 589
financing investment 1367
financing major purchases 21314
fingerprinting 261
first past the post voting 228
first reading (Bill) 86
fixed incomes, inflation effects 281
fixed interest rates 136, 277, 278
flexible working conditions and
hours 107
flexitime 107
foreign aid
role of 1989
sources of 198
types of 198
foreign exchange earnings 271
foreign exchange market (forex) 282
foreign exchange rates 196, 250, 2823
fluctuation effects 2823
foreign trade 271
formal cautions 267
formal interview (following
arrest) 261
formal meeting procedures 296
formal votes 228
forms, analysis 245
franchise 308, 309
full employment 114
full-time work 102

320
Index

garnisheed (wages) 52
gender
and consumer decisions 15
role in product promotion 1567
get-rich-quick schemes 17
global businesses 1923
and environmental issues 196
cultural diversity 194
labour standards 193
management issues 194
risks 1967
staffing 193
global citizenship 2901
global consumers 1867
global investors 1901
global markets 1867
risks associated with 1967
global media networks 226
global shopping 13, 1867
globalisation 184, 187
goal-setting
producing action plans 295
starting with the end in mind 294
good behaviour bonds 258
goods 4
goods and services, types of 9
Goods and Services Tax (GST) 40,
127
goodwill 308
government, structure of 2201
government aid 198
government decisions, affecting the
community 224
government organisations, providing
support 203
government youth-related
websites 180
Governor-General 87
graphs, analysis 169
Great Depression 273
Greens party, Australian 231
grievance procedures 124
gross profit/loss 312
growth assets 145
guarantor 46, 262
guilty act 2567
guilty mind 257
Gunning, NSW, rural community,
voluntary labour 2889
health insurance 50, 210
High Court 75, 85
home contents insurance 210
home insurance 51, 210
home loans 276
repayment schedule 279
House of Representatives 86, 87, 221
ballot paper 228
preferential voting system 228,
229
household budget 2089
household insurance 210

human rights code of conduct 195

human rights violations 291
hunger and poverty 290
hyperlinks 176
implied conditions (contract) 21
imports, Australia 188, 189, 271
impulse buying 8, 43
inclusions (insurance) 210
income 6, 43
extra 61
spending and saving 401
types of 389
income and expenditure
account 1367
income assets 145
income protection insurance 51
income tax return 127
incoming passenger card 245
incorporation 307
independent living
arranging a lease 2067
arranging accommodation 2045
buying a car 21213
community involvement 21617
establishment costs 208
insurance 21011
issues involved 202
lifestyle issues 217
major purchases 21214
managing finances 2089
ongoing costs 208
organisations providing
support 203
reasons for 202
individual workplace
agreement 11112
Industrial Relations
Commission 111, 125
inflation 208, 275, 2801
effects of 281
measuring 280
institutional fees 40
insurance 50, 21011
as a contract 210
cost of 50
types of 501, 21011, 244
insured 210
insurer 210
intellectual property 197
interdependence 270
interest 15, 26, 27, 44
interest rates 2767
and personal investment
strategy 278
and repayment of debt 278, 279
effect of rising and falling 2789
fixed and variable 136, 277, 278
short-term and long-term 276
international aid programs 1989
international shares 191
international trade
and Australias economic
development 1889, 271

Australias main customers 189

Australias main suppliers 189
ethical issues 1945
relationship with domestic
trade 187
Internet
advantages/disadvantages of using
for commercial purposes 1689
and working from home 1823
copyright 181
defamation 181
government youth-related
websites 180
information and advice 1801
spam 181
Internet auctions 173
Internet banking 1789
Internet marketing 155
Internet shopping 1112, 1703, 186
consumer protection laws 172
online auctions 173
risks associated with 1701
sites to search 172
Internet transactions, privacy of 181
interstate shopping 13
investment 43
borrowing for 136
categories of 145
ethical 1389
in global financial market 1901
rate of return 1445
reasons for investing 61, 1345
risk assessment 145
saving for 136
what is it? 601
investment accounts 140
investment decisions 1345
investment financing 1367
investment options 624, 1402
investment portfolio 145
investments
choosing with care 63
inflation effects 281
maintaining records and
monitoring 1489
modifying to maximise long-term
gains 149
reasons for failure 64
risk and return 62, 1445
selecting a mix of 1467
spreading the risk 1467
types of 62
involuntary redundancy 120
itinerary, interpreting an 247
job sharing 107
judge-made law 823
judges 74, 77
judges associate 76
juries 74, 76, 77, 789
jurors 76, 78, 79
jury system, arguments
for/against 78
justice 94
symbols of 94

321
Index

Kelly, Ned 95
labour force 6, 102
casualisation 106
demographic changes 106
transnational corporations 193
labour standards 193
Labor Party, Australian 2301
landlord 206
law
accessing the 923
and procedures 93
and society 6896
areas of 801
contact with the 2545
cost of the 92
fairness in using the 946
language of the 93
protection provided by 2645
related to bicycles 255
related to pets 255
rights and responsibilities 264
time for the trial 93
law-breakers 70, 72
law enforcement 73, 260
LawAccess NSW 96
LawLink NSW 96
laws
based on English legal system 89
changing 901
development from Bills 867
how they are made 825
reason for 701
relationship to values, morals and
ethics 889
lay-by 28, 213
leadership skills 2923
leaving home see independent living
legal advisers 72
legal aid 92
Legal Aid Commission (NSW) 96
legal capacity 254
legal consequences, of poor financial
management 54
legal decisions 7
legal information 956
Legal Information Access Centre
(LIAC) 96
legal issues
overseas travel 250
product promotion strategies 160
workplace 11821
legal rights, of consumers 20
legal risks, global business 197
legal system 723, 89
and justice 94
and unequal access 96
fair and unbiased hearing 95
Legislative Assembly 221
Legislative Council 221
lending institutions 45
responsibilities and legal
obligations 57
liabilities 313

Liberal Party of Australia 230

life insurance 51, 210
limited liability 306
line graphs 114
loan contract 213
loan repayments 40
and interest rates 278, 279
options if you cant repay the loan 54
loans
ability to repay 46
types of 45
lobby groups 223, 232
lobbying 222, 297
Local Court 74, 81
local government 221
business regulation 31011
responsibilities 220
local shopping 12
location of business 304
long-term interest rates 276
lost passport 248
McConnell v R 1977 257
magistrate 74, 76
mail order 12
major purchases 61, 21214
buying a car 21213
financing 21314
managed funds 62, 141, 191
manufacturers 10
market research 304
market segmentation 158
marketing, and consumer
decisions 15
materialism 1601
maxiflex 107
media, investigating consumer
complaints 23
media decisions, affecting the
community 226
mediation 1245, 267
meetings 296
mens rea 257
merchantable quality 7, 21
minimum age requirements 254
Ministerial Council on Consumer
Affairs 175
minor (legal capacity) 254
minutes 296
misleading advertising 16, 160
mission statement 294
mobile phone contracts 262
mobile phone related debt 52, 53
money 4, 32
borrowing 446
flow of 2701
investing 601
management 489
purchasing power 280
morality 88
mortgage loans 45
motion, making or putting a 296
motor vehicle insurance 50, 210
moving from home see independent
living

National Australia Bank 174

National Party of Australia 230
needs 4
negligence 263
negotiation 124, 297
net income 43
net investing 178
net profit/loss 312
niche markets 159
non-government aid 198
non-profit organisations 2867
need for 286
range of 287
roles, functions and impacts 2889
NSW Legal Aid Commission 96
oath 256
objectives 295
strategies for achieving 2967, 298
occupational health and safety 119
Occupational Health and Safety
(OH&S) Act 2000 (NSW) 118
offer (contract) 18, 110
Office of Fair Trading (NSW) 22, 24,
174
Ombudsman 22
ongoing costs 208
online financial resources 178
online share markets 178
online shopping 1112, 1703
Opposition 86
outsourcing 106, 120
overdraft 27, 45
overtime payments 38
owners equity 313
paid work 102
Parliament
as law-making institution 72, 845
beginnings of 84
double dissolution 87
how a Bill becomes law 867
part-time work 102
participation rate 106
partnership 306
passport 244, 248
application 249
lost or stolen 248
payee 27
PAYG Income Tax Rates 127
payment choices 269, 32
technology impact 323
penalty-rate work 43
perpetual succession 307
personal finance 3664
personal insurance 210
personal loans 45, 276
personal preference, over travel
destination 238
personal search (arrest) 260
personal selling 154, 311
pets and the law 255

322
Index

Pharmaceutical Society of Great

Britain v Boots Cash Chemist Ltd
(1953) 18
phone call (following arrest) 261
photo interpretation 290
piecework 1201
plaintiff 76
police
arrest procedure 2601
formal cautions 267
law enforcement 73, 260
warnings 266
political action 218, 2223
how to take action 2223
issues that concern the
community 222
political parties, role and
function 2301
political risks, global business 1967
political situation, and travel
destination 238
politician-made laws 72
poor financial management,
consequences 525
precedent 83
preferences 228
preferential system of voting 228,
229
premium (insurance) 50
pressure groups, role and
strategies 223, 232
price, and consumer decisions 14
prison officer 77
privacy 120
and telecommuters 183
Internet transactions 181
private law 80
product differentiation 152
factors 1523
product placement, ethics 161
product promotion strategies 1547,
311
ethical issues 1601
legal issues 160
products, comparing different 9
profit 39
inflation effects 281
promotion 1547, 311
promotion mix 154
property 62, 140
property rental 2067
proportional representation/optional
preferential system of voting 228
proprietary (private) company 306
prosecutor 76
protection provided by the law 2645
public company 307
public law 80
public relations 156
publicity 156, 311
punishment for crimes 2589
purchasing power of money 280
pyramid schemes 17

quality of life
quota 228

288

rail transport 240

rate of return (on investment) 144
real income 281
recession 272, 274
record keeping 301
for small business 31214
redress, consumer 245
redundancy 120
referral selling 16
regional shopping centres 12
religious organisations, providing
support 203
rent 39, 40
renting a property 2067
repossesion 52
reservation fee 206
Reserve Bank of Australia (RBA) 278
residential tenancy agreement 206
responsible financial
management 489
retail outlets, types of 1011
retirement 61
retraining 120
revenue 312
revenue statement 312
right to vote 228
rights and responsibilities
of Australian citizens 2323
of telecommuters 182
under the law 264
rights of children 2645
rights of employees 112
rip-offs 16
risk and return (from
investment) 1445
risk management 31617
road transport 240
royalties 39
salary 39
sales promotion 311
saving 42, 276
for investment 136
for major purchases 61
inflation effects 281
reasons for 42
responsible spending and
saving 43
savings plan 43
scams 16, 17
sea travel 240
search engine 168
second reading (Bill) 86
secured loans 45
self-employed 102
advantages/disadvantages 302
selling process 1523
selling products 311
selling techniques
Coca-Cola 1623
monitoring and evaluating 1545

semi-skilled jobs 108

Senate 87, 221
ballot paper 228
proportional voting system 229
services 4
share tables 63
shared accommodation 2045
avoiding financial problems 208
major costs 208
shares 62, 140
international 191
steps to follow in investing in 142
short-term interest rates 276
sickness and accident insurance 210
skilled jobs 108
small business
arranging finance 307
balance sheet 313
being an entrepreneur 3023
cash flow statement 314
importance of financial records 314
operating a business 317
purchasing an existing
business 309
records management 31214
regulations 31011
revenue statement 312
risk management 31617
running a 30217
selecting business
opportunities 3045
selling products 311
setting up from scratch 308
steps in establishing 3089
structure of 3067
success and failure 305
taxation requirements 312
social and cultural risks, global
business 197
social consequences, poor financial
management 54
social issues, in product
differentiation 153
social responsibility of
businesses 1945, 225
social welfare payments 38
sole trader 306
spam 181
Spam Act 2003 181
SPC Ardmona Limited 139
special prizes and offers 17
specialisation in the economy 270
specialty stores 11
sponsorship deals, ethics 160
spreadsheets, for record keeping 30,
31
State Constitution 84, 85
state government
business regulation 310
consumer protection agency 22
responsibilities 220
state parliament 221
statute law 82, 84

323
Index

statutory interpretation 84
stockbrokers 140
stockmarket reports, reading 63
stolen passport 248
sue (law) 74
sugging 161
superannuation 39, 41, 62, 1289,
141
advantages/disadvantages of as
saving/investment 129
what is it? 128
superannuation fund 141
Superannuation Guarantee Act
1992 128
supermarkets 11
Supreme Court 75
symbols of justice 94
tables
analysis 277
interpreting 5, 214, 259
target market 1589, 305
targeting customers 1589
tax file number (TFN) 127
taxation 40, 1268, 312
taxes
process of paying 1278
reasons for 126
types of 127
technology, and payment choices 28,
323
telecommuters
and privacy 183
rights and responsibilities 182
telecommuting 182
telemarketing 155
tenant 206
third reading (Bill) 87
time management 217
timetables, interpreting 240
tipstaff 77
total labour force 114
trade
Australias pattern of 1889, 271
domestic and international 187
Trade Practices Act 1974 (Cth) 16,
20, 160
trade union campaign 298
trade unions 112, 230
early beginnings 122
role of 122
traineeships 109
training, benefits of for
employment 1089
transnational corporations
(TNC) 1925
corporate social
responsibility 1945
employment issues 1934
environmental issues 196
management issues 194
operations 192

travel
financial considerations 250
legal and cultural issues 250
types of 240
travel advice 238, 244
travel arrangements,
organising 2423
travel destinations
choosing 236
factors influencing 238
travel documentation 244, 248
travel information, sources of 236
travel insurance 244, 250
travel itinerary 2467
travel planning,
considerations 2456
travel problems 24850
legal issues 250
lost or stolen passport 248
problems with tickets/baggage 250
travellers cheques 250
trial 74, 76
trial by ordeal 82
tribunals 267
unconscionable conduct 1617
unemployed 114
unemployment 114, 273
personal costs 11516
social costs 117
unemployment rate 114
unfair dismissal 119

United Nations Convention on the

Rights of the Child 2645
unordered or unsolicited
goods 1617
unpaid work 103
unsecured loans 45
unsecured notes 141
unskilled jobs 109
utilities 40
utmost good faith (insurance) 210
vaccinations 245
value for money 153
values, and laws 88
variable interest rates 136, 277, 278
victims 256
video games, violence in 901
Vienna Convention 250
Virtual Web Tours 175
Visa (card) 174
visas (travel documents) 244, 248
voluntary employment 117
voluntary redundancy 120
voluntary work 103
volunteers 286, 2889
voting methods 2289
voting rights 228

warnings 266
warranty 212
web browsing in the
workplace 183
welfare organisation decisions,
affecting the community 226
wholesalers 10
WIRES (NSW Wildlife Information
and Rescue Service) 286
witnesses 256
women in the workforce 106
work
and technological change 107
flexible working conditions and
hours 107
work patterns, changing 1047
workplace
dispute resolution 1245
legal issues in 11821
union and employer groups
role 1223
web browsing and emails,
guidelines 183
working from home 1823
workplace learning 108
workplace safety 118
World Wide Web (WWW) 168

wage rates, inflation effects

wages 38
wants 4, 61
war and conflict 291

young people, and criminal

offences 256
youth citizenship in action 223
Youth.NSW 180

324
Index

281