Ann: Becoming a substantial holder, page-28

I do know that Commsec is a wholly owned CBA subsidiary but whether or not it outsources its software I cannot say. I note that you have a strong approach to business indulging in benefiting the communities in which it operates but I would temper that view with the point that communities are motivated to support such businesses when the chips are down. Besides its not an unusual tack for business in todays world - most of the big businesses have a philanthropical clause in their charter which entertains giving back to good causes. Right now is a good time to be considering those benefits when the Feds are handing out big time at a cost to all those who live long enough to repay it. Business does not ask for it to be repaid. However you are entitled to your view and I am sure you have supporters too.