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COPYRIGHT RESERVEDNote: Copyright in this transcript is reserved to the Department of Finance, Services and Innovation. The reproduction, except under authority from the Department of
Finance, Services and Innovation, of the contents of this transcript for any purpose other than the conduct of these proceedings is prohibited.
INQUIRY UNDER THE CHARITABLE FUNDRAISING ACT 1991
Public Hearing
Held at Level 3, LPI Building
Queens Square1 Prince Albert Road
Sydney, New South Wales
On Tuesday, 5 September 2017 at 10am
BEFORE: The Public Inquirer, The Hon. P A Bergin SC
Anthony Cheshire SCJennifer Single
Enzo Camporeale
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PUBLIC INQUIRER: Yes, I will take the appearances.
MR A CHESHIRE SC: Madam Inquirer, I appear with my learned friend Ms Single as Counsel Assisting.
MS D HOGAN-DORAN SC: Madam Inquirer, I appear with my learned friend Mr Glover for RSL LifeCare Limited.
MR P HERZFELD: My name is Herzfeld and I appear for the Trustees of the RSL Welfare and Benevolent Institution, WBI.
MR D SULAN: Sulvan, I appear for RSL (NSW).
MR C O'DONOVAN: O'Donovan, I appear for Donald Rowe.
MR S BECKETT: My name is Beckett. I appear for Mr Jim Longley.
MR J MILNER: My name is Milner. I appear for
Ron Thompson.
MR S DUGGAN: My name is Duggan and I appear for Mr Riddington.
MR BUCK: My name is Buck. I appear for Mr Peter Stephenson.
MR JACOBS: My name is Jacobs. I appear for Mr James.
MR J PHILLIPS SC: May it please the Inquiry, my name is Phillips, I appear for Mr Crosthwaite and Mr Humphreys.
MR R RANKEN: Madam Inquirer, I appear for Mr Hardman. Ranken is my name.
MS I KING: King for Dr Macri.
MR P HODGES: Hodges for Mr Haines.
PUBLIC INQUIRER: Yes, Mr Cheshire?
MR CHESHIRE: Thank you, Madam Inquirer.
On 15 May 2017 the Minister for Innovation and Better Regulation, the Honourable Matthew Kean MP, appointed you, Madam Inquirer, as an authorised inspector for the purposes
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of carrying out an inquiry under section 26 of the Charitable Fundraising Act 1991 (which I will call the Act).
On 14 August 2017 the Act was amended by the Charitable Fundraising Amendment (Inquiries) Act 2017 with the effect that from that date, the Inquiry continued as a public inquiry and you were appointed as a public inquirer.
The terms of the Inquiry require you to inquire into three charitable entities, including their governing bodies and officers, with respect to certain matters arising under
the Act and relating to charitable fundraising.
Those entities are The Returned and Services League of Australia (New South Wales Branch), which I will refer to
as RSL (NSW); the RSL Welfare and Benevolent Institution, also known as RSL DefenceCare, which I will refer to as WBI; and RSL LifeCare Limited, which I will refer to as LifeCare.
Although it will be necessary to deal with the three entities in some detail at a later time, it is appropriate today to provide an overview of each of them. They are all
part of, or associated with, the Returned Services League of Australia Limited, otherwise known as 'The League' or 'RSL National', which was established in 1916 as the Returned Sailors and Soldiers Imperial League of Australia
following a recognition of the need for greater support for those returning from Gallipoli and the Western Front in the 1914 to 1918 Great War and for the families of those who did not return.
The members of RSL National are its elected President and the State Branches. Its Board is made up of the President, a Deputy President, the Presidents of the State
Branches and up to three other appointed individuals, designed to give the Board an appropriate mix of expertise, experience and representation.
RSL New South Wales, which is one of the State Branches of RSL National, was established in 1917 to further the aims and objects of RSL National in providing for the welfare and benefit of serving and former members
of the Australian Defence Force and their dependants throughout Australia. It has operated continuously since 1917 being incorporated by statute in 1935.
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Membership of RSL (NSW) is limited to those who have served in the armed forces of Australia or its allied countries for a period and to certain individual honorary
and affiliate members.
RSL (NSW) is administered by its State Council which meets about once every two months and consists of a State
President, a State Treasurer and 12 further representatives of the three designated areas of New South Wales. The State Councillors are elected at an annual State Congress and then serve a three-year term, although many have been
re-elected on multiple occasions. There is also a State Executive made up of the President, Treasurer and three Vice Presidents which meets in alternate months with the State Council.
RSL (NSW) has, by issuing Charters under its Constitution, established many sub-branches throughout New South Wales. Those sub-branches then exist as separately
legal entities most commonly unincorporated or unincorporated charitable associations although they are subject to the direction and supervision of RSL (NSW), which in an extreme case is entitled to withdraw a
sub-branches's charter.
RSL (NSW) has also established District Councils in each of the nine metropolitan and 16 country districts.
The State Council and delegates for the District Councils and the sub-branches then form the RSL (NSW) State Congress which, as stated earlier, elects the State Councillors. A pivotal part of the organisation is the Women's Auxiliaries
(established at sub-branch level) and the RSL Central Council of Women's Auxiliaries (the CCWA) to which the Auxiliaries report and which in turn reports to the State Council. Currently there are nearly 40,000 members of
RSL (NSW) spread over more than 350 sub-branches.
RSL (NSW) describes RSL National as a national non-political, non-sectarian organisation of returned and
ex-servicemen and women formed to promote the interest of the ex-servicemen and women and their dependants. RSL (NSW)'s mission statement is to provide for the wellbeing, care, compensation and commemoration of serving
and ex-serving Defence Force personnel and their dependants and promote government and community awareness of the need for a stable and progressive Australia. Its vision is to
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be recognised and respected as the preeminent association within the Defence Family in New South Wales.
WBI is a not-or-profit charitable trust, the trustees
of which are the RSL New South Wales State President, State Treasurer and State Secretary. It was first established in 1964 and it was constituted in its current form on 12 April 2012 when its Administrative Rules were approved by
the Supreme Court of New South Wales. Its objects are to provide complete welfare and pension service for ex-service personnel and their dependants or are in necessitous circumstances. One peculiarity is that although the aims
and objects of RSL National and RSL (NSW) extend to both current and former servicemen and their dependants, WBI is limited by its objects to former servicemen and their dependants. It is apparent that the inability of WBI to
provide for current servicemen and their dependants has caused some difficulty in the operation of these organisations.
WBI is referred to as the "operational arm" or "charitable services arm" of RSL (NSW). It has conducted charitable fundraising under the names DefenceCare, RSL DefenceCare and RSL Appeals New South Wales. In
particular, it conducts each year an Anzac Day Appeal in April and a Poppy Day Appeal in November.
Up until about 2014, charitable fundraising for
RSL (NSW) was in the main administered by the United Returned Services Fund (or URSF) of which RSL (NSW) was a member. URSF was a separate organisation, established in 1920 by The Returned Soldiers Imperial League of Australia
Limbless Soldiers Association NSW and the Tuberculosis Sailors', Soldiers' and Airmen's Association NSW. After the URSF was wound up in 2014, its fundraising activities were transferred to WBI. It is apparent, however, that WBI was
engaged in at least some charitable fundraising prior to 2014; and that RSL (NSW) has continued to engage in some charitable fundraising on its own account throughout.
RSL LifeCare was formed in 1911; and RSL LifeCare Limited, which is a company limited which guarantee, was registered in 142. It operates retirement living and residential aged care services throughout New South Wales
and the ACT as well as in-home care services. It is a charitable not-for-profit organisation.
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The President of RSL (NSW) is entitled to be an ex-official director of LifeCare and RSL (NSW) appoints (and indeed may remove) the other directors of - which there must be between five and nine. The only members of
LifeCare are its directors and RSL (NSW).
Services were initially provided by LifeCare at Bare Island, La Perouse and then in 1939 a village was
established at Narrabeen. The site at Narrabeen was transferred to LifeCare from about the late 1960s onwards by a combination of conveyances and grants from the Crown.
By the term of its original constitution, LifeCare was confined essentially to providing accommodation and maintenance for those who served in the armed forces of Australia and its allies. LifeCare was concerned, however,
that as the number of veterans declined, it would have to open its doors to non-veterans in order to survive.
Its constitution was amended in 1956 and then again in
1939 in essence to permit accommodation and maintenance to be expended to dependants of war veterans and to persons whom the board of directors of LifeCare considered in their absolute discretion to be "deserving persons".
Part of the Narrabeen land had been granted by the Crown on trust for a war veterans' home and in 2006 LifeCare approached the Supreme Court of New South Wales in
order to seek a variation of the terms of their trust.
The court permitted a variation to allow accommodation to be provided to persons who were not war veterans to whom
the directors considered be "deserving persons", but on terms that 135 apartments were to be kept for war veterans and their dependants; and as to the remainder, priority was to be given to war veterans and their dependants, but if
there were no veterans seeking accommodation, then any vacancy (available outside the 135 apartments) could be offered to non-veterans whom the directors considered to be "deserving persons". LifeCare was also to provide an
annual report to the Attorney General setting out the categories of people who had been provided with accommodation in that financial year.
At the time of the proceedings before the court in 2006, there were approximately 1200 residents at Narrabeen, made up of 450 residents in nursing home and hostel
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accommodation and 750 residents living independently in the retirement village. About 95 per cent of the residents were war veterans or their dependants. At that time, LifeCare was making an annual net profit of $20 million and
had net assets of $157 million (including cash or cash equivalent assets of $7 million).
By 2016 LifeCare's net profit was $42 million and it
had net assets of $385 million (including cash and cash equivalent assets of $13 million). It had expanded such that it was operating 32 retirement village with over 7,000 residents and community care clients and 2,500 staff; and
it had overall assets of nearly $1.2 billion.
LifeCare stresses its strong link with the RSL brand, which it describes as "ensuring a continuing Veteran
focus", but the percentage of residents who are veterans or their dependants is now far less than the 90 per cent when the proceedings were heard in 2006. Currently, about 18 per cent of LifeCare homes or beds, as the case may be,
are occupied by veterans and another 18 per cent by spouses or dependents of veterans.
In 2014 LifeCare established a program known as Homes
for Heroes to provide accommodation and other assistance to young war veterans of recent conflicts who are homeless. The aim of the program is to provide short-stay or permanent accommodation (and other rehabilitation services)
to young homeless veterans. So far, more than 100 young veterans have been assisted through the program.
Funds for Homes for Heroes have been raised from the
public, both directly and through other RSL organisations. In about February 2017 the RSL & Services Clubs Association established the Veterans Benevolent Fund in order to take over fundraising for the Homes for Heroes project from
LifeCare, although it appears that LifeCare has some ongoing association with the running of that project.
Although the sub-branches are separate legal entities,
they are established by charter issued by RSL (NSW), which can be removed; and RSL (NSW) regulates the operation of those sub-branches.
Many RSL sub-branches previously operated RSL clubs from their premises, from which they derived significant income. Changes to licensing laws over the years resulted
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in new and separate legal entities, regulated by the Registered Clubs Act 1976, being set up to purchase and operate the management of those clubs.
The result of this is that RSL clubs operate independently from the RSL sub-branches, but many of those RSL sub-branches continue to retain very significant funds and assets from the sale of the clubs, notwithstanding that
such funds or assets can be applied for charitable purposes but, due to their charitable status) cannot otherwise be distributed.
In about 2012, PricewaterhouseCoopers carried out a review of sub-branch operations due to concerns that the Australian Tax Office had raised that many of the sub-branches appeared to be engaging in insufficient
charitable activities to justify their income exempt status, in particular since many were holding significant investments and were engaged in significant commercial activities. This led to RSL (NSW) entering into a binding
deed with the ATO in order to address their concerns.
Over the last century, the RSL name and brand has, through its connection with our war veterans, enabled these
three organisations to raise significant funds from the public to further their aims of looking after veterans and their dependants. The respect for the name has been enhanced by the popularity of the retirement villages that
have been established by LifeCare. Each of the organisations has at times depended for its viability on the funds raised from the public through charitable fundraising work.
I should now turn to the legislative regime under which these entities have conducted their charitable fundraising.
Prior to 1934, there was no statutory regulation of the operation of charitable bodies or the control of charitable funds that were collected in New South Wales.
The scope for abuse was obvious and there were many reports of appeals being conducted purely for the promoters' gain and of excessive expenses being improperly deducted so that "practically nothing" ended up with the nominated
charities. In other words, the lack of regulation enabled both mismanagement and outright fraud to continue unchecked.
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The first regulation in this area was the Charitable Collections Act 1934, which was amended in 1941 and 1985 and then, after extensive community consultation, replaced
by the Charitable Fundraising Act 1991, under which the entities continued to conduct their fundraising from the public.
A key to the new regime was seen to be the "abolition of the concept of registration as a Charity [which had been introduced in 1934] and its replacement with the notion of an authority to raise funds", which is then renewed every
five years or so. An authority to raise funds is, however, a privilege and not a right and it should be depend upon an organisation demonstrating its ability and its willingness to comply with the conditions attached to it and the
statutory regime under which it is granted.
The Act serves an important purpose. It requires charitable fundraising bodies to keep proper records and
accounts and to subject their operations to an accredited audit process. This prevents donated moneys being misappropriated and it means that there is accountability. As Parliament recognised, introducing a regime of checks
and balances and accountability to charitable fundraising gives the public confidence that their donations will be properly applied; and the result of this is that the public is able to donate with more confidence and so is likely to
donate more generously to charities generally. The statutory regime is intended to ensure that the public can trust the propriety of organisations that are conducting charitable fundraising.
A fundraising appeal is defined as the "soliciting or receiving of money by any person of any money, property or other benefit" if before or in the course of the appeal the
person, which here includes an organisation, represents that the purpose of the appeal, or any activity or enterprise of which the appeal is part, is or includes a charitable purpose. A charitable purpose includes any
benevolent philanthropic or patriotic purpose.
Certain activities are expressly excluded, including: requests for membership fees; requests that property be
devised or bequeathed; appeals by an organisation to its members; and some small fundraisers where the gross total amount received does not exceed $15,000 in any financial
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year.
In order to obtain an authority to fundraise, an organisation must complete an application form and provide
certain documentation. The process is administered by New South Wales Fair Trading and the form and accompanying guidance, not only in relation to obtaining authorities but in relation to fundraising generally, is available on its
website. That material will be tendered in evidence.
The Minister may refuse to grant an authority or may revoke an existing authority, in particular where satisfied
that the persons concerned are not fit and proper to administer or be associated with fundraising appeals.
Where the minister is satisfied that an authority
should be granted, conditions may be imposed on the authorised fundraiser. Each of the RSL entities had conditions imposed on their authority to raise funds from the public within which they are required to operate.
Provisions of the statutory regime, as constituted by the Act, the Regulations and the conditions of the authorities, that are likely to be of particular relevance
in this inquiry include the following: any money must be applied according to the objects or purposes represented; there must be proper authorisation and identification of collectors; receipts must be issued; donations must be
safeguarded and banked immediately; the gross fundraising proceeds must be paid into a dedicated account for fundraising appeals or at least must be able to be clearly distinguished from other funds; lawful and proper expenses
may be deducted but these must be verifiable, such as by documentary evidence, and properly authorised; proper books and records must be maintained to record and explain all the organisation's transactions, financial position and
financial performance in respect of fundraising; and this must include particulars of all income and expenditure with supporting prime records for each and every fundraising appeal; if a fundraising appeal is conducted jointly with a
trader, there must be a written agreement setting out various matters, including: the amount of commission or expenses to be deducted; how the proceeds are to be applied; the records and reports that are to be made; and
the trader's agreement to comply with the statutory regime; and any advertising must identify the relevant authorised fundraiser; fund raising activities of an organisation must
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be administered by a governing body of at least three persons.
There are also provisions aimed specifically at
conflicts of interest that may arise where directors or similar officers seek to be remunerated for their services: in order to address conflicts of interest generally, there must be a register of pecuniary interests and a mechanism
for dealing with any conflicts of interest; and there is now an express requirement that any director or similar officer must be excluded from any discussions about that director's remuneration and any vote about directors'
remuneration must be ratified in a general meeting of the organisation; section 48 provides that a person who would otherwise be prohibited from being a director by virtue of receiving any remuneration or other benefit from the
organisation may act as a director with the prior approval of the Minister, subject to any conditions that may be opposed. The scope of this section is likely to be the subject of some debate.
There are also significant reporting requirements: an unincorporated association with an authority, such as WBI, must lodge returns with the Minister from time to time
showing at least the gross sums received and the net sums after expenses in respect of fundraising. The annual financial accounts of an organisation with an authority must contain: a specific statement of income and
expenditure for each fundraising appeal; a specific balance sheet summarising all assets and liabilities resulting from the conduct of fundraising appeals; further details if in the financial year aggregate gross income from fundraising
appeals exceeded $100,000; and a declaration by the president or principal officer verifying those matters and that the provisions of the Act, the Regulations and the Conditions attached to the Authority have been complied
with.
One of the primary controls that were introduced in 1991 over the activities of fundraisers was the requirement
that their accounts be independently audited in relation to receipts and expenditure of fundraising activities, although as from 1 September 2015 this does not apply if gross receipts from fundraising in the relevant year do not
exceed $250,000.
The auditor must then report on, first, whether the
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accounts show a true and fair view specifically in relation to fundraising appeals; secondly, whether the accounts and records have been properly kept in accordance with the Act and the Regulations; thirdly, whether fundraising money
received has been properly accounted for and applied in accordance with the Act and the Regulation; fourthly, the solvency of the organisation.
If the auditor is satisfied that there has been a contravention of the Act or the associated regulations, and that the matter will not be adequately dealt with by a note to the accounts or by bringing the matter to the notice of
the members of the relevant governing body, the auditor must report that matter immediately to the Minister.
The regime of having these accounts audited, together
with the requirement that an auditor certify compliance with the Act, is a most significant matter. It enables the public and, of course, the Minister to be satisfied that funds raised from the public are being dealt with in
accordance with the purpose for which they were raised and that they are able to be traced. These provisions place a great deal of trust in the auditor, not only to ensure that there is compliance with the Act, but also to alert the
Minister should there be a serious problem of non-compliance.
PUBLIC INQUIRER: As I apprehend what you're saying, the
1991 amendment is when the role of the auditor in this regard was introduced; is that correct?
MR CHESHIRE: That's correct.
PUBLIC INQUIRER: Prior to that, although there may have been a requirement for the funds to come in a particular way and the accounts to be looked at by an accountant, or
someone who is a certified accountant, the actual pivotal role of the auditor didn't commence until 1991?
MR CHESHIRE: That's correct, that's when it was
introduced, madam inquirer.
PUBLIC INQUIRER: Thank you.
MR CHESHIRE: These provisions are complemented by the Minister's power to order inquiries, such as the present inquiry, combined with the Minister's broad powers in
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certain circumstances, including if the Minister thinks it is in the public interest to do so, to appoint an administrator to conduct the affairs and activities of an organisation in relation to fundraising appeals or indeed
generally.
There is also Commonwealth legislation relevant in this area. Although the concept of registration of
charities was abandoned in New South Wales in 1991, and replaced with authorities for charitable fundraising, that concept was reintroduced by the Commonwealth Australian Charities and Not-for-Profits Commission Act 2012, which
established with the Australian Charities and Not-for-Profits Commission (ACNC) with the aim of providing "a national regulatory system that promotes good governance, accountability and transparency for
not-for-profit entities" in order "to maintain, protect and enhance public trust and confidence in the not-for-profit sector".
The ACNC commenced operation on 3 December 2012. Each of the three entities the subject of this inquiry is registered with the ACNC and is required to maintain certain records and to file reports and financial
statements in accordance with the ACNC Act. The ACNC Commissioner also has regularly powers to gather information necessary to monitor the registered entities' compliance with the ACNC Act.
Indeed, the ACNC and the NSW Police Force have since late last year been conducting an investigation into some of the matters that are now the subject of this inquiry.
It is apparent that there was extensive discussion within each of RSL (NSW), WBI and LifeCare when the ACNC Act first came into force about what needed to be done to
ensure compliance; and the position has been regularly revisited in terms of that Act. This is in sharp contrast with the position in relation to the Charitable Fundraising Act, the provisions and requirements of which have been
almost completely ignored.
As discussed earlier, charitable fundraising under the Act is the soliciting or receiving of money where there is
a representation that it is for, in whole or in part, a charitable purpose.
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Fundraising can then occur in several ways. First, by formal and self-contained appeals, including: recurring appeals, such as the annual appeals for Anzac Day and Poppy Day conducted by URSF up to 2014 and WBI since that time;
one-off appeals, such as the Poppy Coin Appeal conducted by RSL (NSW) for the centenary of the League celebrations in 2016.
Secondly by ongoing appeals for specific programs, such as Postwar Survive to Thrive and Cedars Equine programs and Operation K9 (all conducted by WBI), Homes for Heroes conducted by LifeCare and a Disaster Fund operated
by RSL (NSW).
Thirdly, by ongoing requests for general donations, particularly through their websites with donate-now
buttons (which have been operated by each of the three organisations), the sale of books and other military related items and general advertising.
Fourthly, by accepting donations, whether from individuals or organisations, on the basis that they will be used to promote the charitable objects of the organisations.
Fifthly, by accepting funds generated by members of the public nominating them as chosen charities at community fundraising events, including community challenges,
raffles, golf days and produce stalls.
Each of RSL (NSW), WBI and LifeCare has held a fundraising authority under the Act throughout the period
covered by this inquiry and it is clear that it has conducted fundraising in that period at several levels: from members of the general public; from members of targeted groups; and from the RSL sub-branches and Women's
Auxiliaries.
I now move to the background to this inquiry. Although each of the organisations is a separate entity, it
is clear that there is a close relationship between them. The senior office bearers of the State Council of RSL New South Wales are the trustees of WBI; the directors of LifeCare are appointed by the State Council of RSL New
South Wales; and each organisation utilises the "RSL" name.
In the 10 years to 2014 there was little change in the
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leadership positions in each of the organisations. Throughout that period, Mr Don Rowe was the President of RSL (NSW), Chairman of WBI, and a director of LifeCare. Mr Rod White was the Honorary Treasurer of RSL New South
Wales, a trustee of WBI, and the Chairman of LifeCare. And Mr Chris Perrin was the State Secretary and Chief Executive Officer of RSL (NSW) and also a trustee of WBI.
In November 2014, Mr Rowe resigned as President of RSL New South Wales and also from his other positions in the three organisations, either immediately or soon thereafter. The circumstances of his resignation are
controversial and will be the subject of evidence during this inquiry. The reason for Mr Rowe's resignation was portrayed as having been caused by ill health. I anticipate that the evidence will establish that shortly
before his resignation, Mr Rowe was confronted by the Honorary Treasurer, Mr White, with questions being raised about Mr Rowe's expenses with RSL New South Wales.
After Mr Rowe resigned, some questions were raised at State Council level about the appropriateness and/or the validity of payments referred as to "consulting fees" being made to the directors of LifeCare. The discussions at that
level were at times tense and in the middle of 2016, the then Chief Executive Officer, Mr Glenn Kolomeitz, took legal advice which confirmed that the status of State Councillors who were also LifeCare directors was not
affected by the receipt by them of consulting fees from LifeCare.
In September and October 2016, the controversy in
relation to Mr Rowe's resignation and the questions that had been raised about the consulting fees leaked into the public domain. These issues were then aired in the media, both print and electronic, with serious allegations being
made in respect of Mr Rowe's expenses and the payment of consulting fees.
The public controversy continued with calls reported
in the media for the RSL (NSW) State Council to step aside. In February 2017 the State Council stood aside and a Management Committee was established to manage the affairs of RSL (NSW) until the elections in May 2017.
Both RSL (NSW) and RSL National retained forensic accountants and a Board of Inquiry was established within
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the RSL organisation to look into these matters. In March 2017, the Chairman of the Board of Inquiry wrote to the Minister indicating the limitations of the investigative powers of that Board of Inquiry, and seeking a grant of
powers under the Charitable Fundraising Act to enable further investigative steps to be taken.
It was in this context that the Minister established
this Inquiry, wholly independent of each of the three organisations the subject of the Terms of Inquiry.
The terms of the Inquiry for you as a public inquirer
remain the same as they were for you as an authorised inspector. They cover the period from 1 July 2007 in respect of RSL (NSW), WBI and LifeCare, each of whom has held an authority to conduct charitable fundraising
throughout that period.
Those Terms of Inquiry require you to report to the Minister on: first, whether each of the three
organisations has complied with condition 20 of their authorities, which requires the establishment of a register of pecuniary interests and a mechanism for dealing with conflicts of interest on the governing body; secondly,
whether the terms of condition 20 are adequate to achieve its purpose and ensure good governance under the Act; thirdly, whether those persons making decisions on how the funds of those organisations are to be applied have done so
inconsistent with their obligations to the organisations or where there has been a conflict of interest; fourthly, whether there have been any other breaches of the organisations' fundraising conditions; fifthly, whether any
other matter indicates a breach of the Act or a ground upon which the Minister could refuse or revoke a fundraising authority of any of these organisations.
The Minister has required you to report by 1 February 2018 on the information that has been obtained by the Inquiry and to make any recommendations that you think appropriate.
As stated earlier, each of RSL (NSW), WBI and LifeCare has held a fundraising authority under the Act throughout the period covered by this inquiry.
For each year from 2007, as required by the Act, WBI has included in its Financial Statements a Principal
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Officer's Declaration (from Don Rowe between 2007 and 2013 and Rod White thereafter) that the accounts of WBI gave a true and fair view of all income and expenditure with respect to fundraising appeals and that the provisions of
the Act, the regulations and the conditions attached to the fundraising authority had been complied with.
The financial statements of RSL (NSW) and LifeCare did
not, however, as they ought to have done, contain any such officer's declaration in any of those years.
Further, WBI did not lodge returns of fundraising with
the Minister as required by the Act.
Yet further, none of the financial statements of the three organisations contained within their financial
statements any information in respect of fundraising appeals and in particular they did not include the required profit and loss statement for each appeal and balance sheet in respect of all appeals.
The auditors for the three entities during the terms of inquiry period were successively BDO Kendalls, BDO Audit, (NSW-Vic) Pty Limited and Grant Thornton,
although the relevant audit partners remained the same - James Winter and Alison Sheridan.
In compliance with the Act, either Ms Sheridan or
Mr Winter provided reports in the Financial Statements of WBI in the years 2008 to 2015 inclusive, verifying that:
the financial statements showed a true and
fair view of the financial results of the fundraising appeals in that year;
the accounting and associated records have
been properly kept during the year in accordance with the Charitable Fundraising Act 1991 and the Regulations; and
monies received from fundraising appeals during that year had been properly accounted for and applied in accordance with the Act and the Regulations.
There were, however, no such auditors' reports in compliance with the Act from Ms Sheridan or Mr Winters as
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the auditors of RSL (NSW) and LifeCare at any time during the period covered by the term of this inquiry.
It is apparent on the basis of the financial
statements alone, then, that there has been (on the part of each of these organisations) non-compliance with the statutory regime in relation to the reporting requirements. The non-compliance has, however, extended far beyond the
reporting requirements and I will now turn to this aspect in the context of how this Inquiry's investigations have unfolded.
In June 2017 each of the entities was served with Notices issued by you under section 27(1) of the Act, requiring the production of documents and the provision of answers to questions. RSL (NSW) and WBI sought an
extension of time within which to respond, supported by a letter from forensic accountants Ernst & Young who had been retained, importantly, by both of those organisations.
The Ernst & Young letter was addressed to RSL (NSW) and WBI, and confirmed the nature and scope of the task for which they had been retained and the likely timeframe for its completion.
The letter included a significant and deeply concerning disclosure in respect of the manner in which both WBI and RSL (NSW) had dealt with and recorded funds
received from their various fundraising appeals. It was in the following terms:
We draw to your attention some inherent
limitations to this exercise which are known to EY having previously examined RSL (NSW) and WBI's financial records for the purpose of a separate engagement:
- That the general ledger does not generally distinguish, on either the receipt or expenditure sides, between
income and expenditure which may be income from a "fundraising appeal" (or expenditure from a ("fundraising appeal") within the meaning of section 5 of the Charitable
Fundraising Act 1991 and other forms of charitable contribution and income raising.
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- That the general ledger (and other financial records) do not disclose how, in respect to each discrete "fundraising appeal", proceeds from that appeal were
expended, save potentially for limited exemptions. Rather, the general ledger shows all expenses incurred and all charitable contributions made for each
period without seeking to link specific sums raised from a particular fundraising activity to specific charitable contributions for specific individuals -
EY's report will therefore list all expenditure for each year including all charitable donations.
In response to this disclosure, the Inquiry wrote further to RSL (NSW) and WBI on 6 July 2017, drawing attention to the requirements of the legislation and noting that Ernst & Young's advice appeared to suggest that,
contrary to the requirements of the Act, the general ledger of each of the entities, and their other financial documents, did not enable appeal funds to be clearly distinguished from other funds, and it appeared not to be
possible to identify or ascertain how the proceeds of any particular appeal were expended.
On 17 July 2017, the Trustees of WBI responded through
their lawyers, indicating that they were taking immediate steps in relation to the management of WBI's financial accounts. The lawyers advised that WBI was in the process of obtaining new financial management software which they
anticipated would come into operation on 1 August 2017, with a new payroll system planned to commence operation on 1 September 2017. They also advised that they had been instructed that the new financial accounting system would
result in significantly better financial management outcomes, including:
enhancing the organisation's ability to
record additional information concerning discrete transactions, including information concerning the authorisation of expenditure;
advancing the organisation's ability to manage inventory, including in relation to
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RSL WBI's two most significant fundraising appeals, the Poppy Day Appeal and the Anzac Day Appeal; and
enhancing the ease with which reports are generated.
Importantly, they advised that this new financial
management system will enable WBI, in compliance with the Act, to segregate effectively the income raised from each discrete charitable fundraising appeal from other income and to record expenditure associated with that fundraising
income.
WBI has also engaged Ernst & Young and its lawyers to advise and confirm that the new financial accounting system
will available WBI to fully comply with the Trustees obligations, most relevantly under the Charitable Fundraising Act 1991 and the regulations, and the conditions attached to WBI's current charitable fundraising
authority and indeed any reviewed authority, and the ACNC Act. The lawyers also advised that WBI intends to seek specific confirmation from Ernst & Young that this new system will enable WBI to identify and distinguish clearly
the funds received from each discrete appeal that is conducted and how those funds are applied.
In respect of the concerns raised in the Inquiry's
letter of 6 July 2017, WBI's lawyers expressed the view that notwithstanding the very serious disclosure in Ernst & Young's letter of 5 July 2017, it was anticipated that "clearer links" could be established between income derived
from particular fundraising appeals and expenditure of such funds. There was a very positive commitment by the Trustees through their lawyers to provide the "most assistance possible to the Inquiry".
The lawyers also advised that WBI has already employed two additional full-time accounting staff with a third approved by the Trustees. These are in addition to the
appointment of a Fundraising Manager in February 2017 separating this function from marketing.
The anticipation of "clearer links" being established
did not, however, come to fruition. On 27 July 2017 and after further investigation, Ernst & Young wrote to WBI as to the problems with its records being ongoing. On the
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same day WBI's lawyers wrote to the Inquiry providing a copy of Ernst & Young's letter and advising, amongst other things, that:
it had not been possible to link all expenditure with discrete fundraising appeals;
information regarding which fundraising appeal a particular expense was associated with could not be derived from the underlying financial system; and
the Inquiry's concern regarding co-mingling of fundraising funds with other monies was being "expressly actioned" by WBI.
There was no response from RSL (NSW) or its lawyers to the Inquiry's letter of 6 July 2017 until on 7 August 2017, the new President of RSL (NSW), Mr James Brown, issued a
document entitled "RSL NSW Directive - Suspension of Charitable Fundraising". That Directive referred to this Inquiry and also to an investigation currently being conducted by the ACNC. It recorded that since the new
State Council of RSL (NSW) had been elected on 24 May 2017, it had been reviewing the operations of "the League". The Directive included the following:
We have become aware that a number of technical procedures currently followed by RSL (NSW), through its sub-branches and auxiliaries, do not comply with the
requirements and obligations of the Charitable Fundraising Act 1991 (NSW). RSL (NSW) is treating this matter very seriously. It is vital that RSL (NSW), and
its sub-branches and auxiliaries, do everything possible to ensure that any non-compliance with these legal obligations cease immediately.
To this end, at a meeting on Monday 31 July 2017, the RSL (NSW) State Council passed a resolution on this issue and now directs
that:
- Until further notice all sub-branches and
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auxiliaries are to immediately cease, without exception, any fundraising activities and appeals being conducted now, or that might soon be conducted.
The Directive also recorded that the State Council had resolved to communicate to this Inquiry, the ACNC and other relevant bodies, any steps being taken by it to rectify the
problems that had been uncovered. It included an attachment of "Frequently Asked Questions" providing guidance to the sub-branches and auxiliaries in respect of the implementation of the suspension of fundraising for the
time being. It also recorded the suspension was occurring because RSL (NSW) had determined that its "technical fundraising procedures are not compliant with the required standards".
On 8 August 2017, Mr Brown was interviewed on national radio and it was suggested to him that he had admitted that the organisation could not track every dollar it receives
in donations. On this occasion the President said that the problems were "systemic" and that the scale of the organisation had rapidly outgrown "Its governance mechanisms, its systems and in some cases the skill set of
individual decision-makers".
In the same interview, a serving RSL (NSW) State Councillor said that the suspension of fundraising
was "absolutely necessary" and that the problems that the organisation was facing had been "going on for decades".
Mr Brown said that with this Inquiry and the ACNC
investigation and with the steps that RSL (NSW) was taking itself, including the suspension, he was confident that by the beginning of 2018 the organisation will be able to put all the, what he called, "issues" behind it.
On 9 August 2017, the Inquiry was advised that WBI had now suspended its fundraising activities until further notice. The Inquiry was also advised that WBI had disabled
the donations function on its website and removed references to solicitation of donations from its website and from staff emails. This was said to be action taken voluntarily by WBI as it reviewed its compliance practices
and processes "to ensure they will comply with all relevant regulatory requirements".
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In the RSL (NSW) President Report for August 2017, published on 18 August 2017, Mr Brown as President reported to members that the State Council had recently been coming to grips with the complexity of the organisation and the
scale of the challenges that it faces. One of the challenges was identified as "fundraising" with the reminder that the previous week the State Council had issued a directive to suspend fundraising in the knowledge
of the difficulties and the "distress" that some of the smaller sub-branches and auxiliaries would face. Mr Brown advised that the alternative to that suspension was to fundraise in a way that was not consistent with the
legislation, which would be clearly unacceptable. The President's report included the following:
It is hard for me to communicate with you
the exact issues we have detected to do with fundraising. As you can appreciate, this has legal implications as well as flow-on effects for our audits, insurance,
and wider operations. We are working with our regulators to identify and address the issues and I cannot get ahead of that process. What I can say is that the issue
is systemic, and affects every sub-branch, auxiliary, youth club and day club. It has to do with the way we receive money received through fundraising, account for
it, and then report on how it is spent. We are working on a fix to this as fast as possible and will brief all of our members on what needs to be done so we can start
fundraising again. This will take some time. Please be patient. We need to get this right so that the public can have full confidence in us.
On 28 July 2017, the Inquiry wrote to LifeCare indicating, amongst other things, that it appeared that the company had failed to comply with the provisions of the Act at least
insofar as they related to the inclusion in its financial statements of declarations of compliance from an officer and from the auditor.
On 21 August 2017, through its then lawyers PricewaterhouseCoopers, LifeCare gave a partial response to the Inquiry's letter with the indication that there would
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be a further and separate response after the meeting of directors in Griffith on 24 August 2017.
In the letter of 21 August 2017 the lawyers enclosed
two reports that had been prepared by its auditor, Mr James Winter of Grant Thornton, on 10 February 2017 and 21 August 2017 with a suggestion that those reports "provide a level of assurance as to LifeCare's treatment of charitable
funds".
In those reports, Grant Thornton expressed the view that on the basis of the testing that they had carried out
for the period between 2007 and 2017: first, the donations LifeCare had received from charitable fundraising had been
properly recorded in its books and records;
secondly, those donations had been expended in accordance with the intended charitable
purposes.
Neither of the Grant Thornton reports, however, referred to the Charitable Fundraising Act 1991, the
Regulations or the relevant provisions of LifeCare's fundraising authority.
On 24 August 2017, Mr Andrew Condon was appointed as
the new Chairman of LifeCare. The following day, LifeCare provided a further response to the Inquiry's letter of 28 July 2017, explicitly "acknowledging certain failures" to comply with the statutory regime in relation to
charitable fundraising, and setting out "the courses of action RSL LifeCare is undertaking to strengthen RSL LifeCare's compliance with respect to those matters".
LifeCare then accepted that there had been breaches of the statutory regime in the relevant period between 2007 and 2017 in that its financial statements had not contained:
first, an income and expenditure statement for each fundraising appeal in that year;
secondly, a balance sheet in respect of all fundraising appeals in that year;
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thirdly, a statement as to how any surplus from fundraising appeals had been applied;
fourthly, details of aggregate gross income
and expenditure from all fundraising appeals in that year;
fifthly, a principal officer's declaration
verifying the fundraising financial records and as to compliance with the Act, the regulations and the conditions attached to its fundraising authority;
and finally for at least several of those years, a report from the auditor verifying (in relation to fundraising appeals) the
accounts, the keeping of records and the proper accounting for and applying of donations.
LifeCare "acknowledged that any non-compliance is a serious matter" and informed the Inquiry that its auditors Grant Thornton had been engaged to prepare Special Purpose Reports remedying those matters for each of the relevant
years. Copies of those Special Purpose Reports for 30 June 2014, 2015 and 2016 were provided and it was anticipated that similar reports for the earlier years would follow.
LifeCare advised that it had also engaged Holman Webb Lawyers "to undertake an overall risk and compliance review", and it was in the process of recruiting a new Executive Manager of Risk and Compliance, whose duties will
extend to ensuring compliance with the Charitable Fundraising Act on an ongoing basis.
Furthermore, LifeCare informed the Inquiry that it had
suspended all fundraising activities for its Homes for Heroes program at the end of 2016 (save for two isolated express permission notices that it granted); and has since suspended receiving donations from members of the public.
Finally, as with WBI and RSL (NSW), LifeCare offered its full and continuing cooperation with this Inquiry.
On 1 September 2017, LifeCare by its new solicitors informed the Inquiry of further matters of non-compliance with the statutory regime for charitable fundraising.
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LifeCare accepted: that it had not had in place any mechanism for dealing with conflicts of interest
(including any register of pecuniary interests) prior to November 2016;
that there had been no ratification by the
members of LifeCare of the agreements for consulting fees of the directors or indeed of the consulting fees themselves; and
that there had been no approval from the Minister for the directors to hold office notwithstanding their receipt of consulting fees.
In that letter, LifeCare solicitors also touched on the issue of Board members being counted in quorum and voting on resolutions concerning their own consulting fees.
It appears that LifeCare may contend that there was no non-compliance since at least some of the directors voting were not receiving consulting fees. If that submission is to be made, it is self-evidently wrong. The involvement of
any director in a resolution concerning his or her own consulting fees constituted non-compliance with the statutory regime.
On 4 September 2017 LifeCare's solicitors, as previously foreshadowed, provided the Inquiry with Special Purpose Reports for 30 June 2011, 2012 and 2013, remedying the previous reporting defects, although at this stage the
Officer's Declaration and Auditor's Report of Compliance with the charitable fundraising statutory regime had not been signed.
In summary, the position of RSL (NSW) and WBI as to non-compliance with the statutory regime for charitable fundraising is then as follows:
As first identified by Ernst & Young and discussed earlier:
the proceeds of fundraising appeals were
not being paid into separate accounts for each appeal, but instead were being deposited into a general revenue account;
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secondly, funds received from fundraising appeals could not be clearly distinguished;
thirdly, it was not possible to identify or ascertain how the proceeds of any particular fundraising appeal were expended.
Then as also discussed earlier: the financial statements did not include
reports in relation specifically to the fundraising appeals;
annual returns of fundraising activities
were not provided by WBI to the Minister;
the financial statements of RSL (NSW) did not include the requisite report of
compliance from the auditor and the requisite statement of compliance from an officer of the organisation.
Then it appears that there were not in place appropriate mechanisms for dealing with conflicts of interest, at least until very recently, and that WBI has had for
extensive periods fewer than the requisite three members of its governing body.
You will have evidence in relation to the participation of
sub-branches, women's auxiliaries and some independent traders in the charitable fundraising at activities of at least WBI, including whether appropriate steps were taken to ensure that those participants complied with the
statutory regime.
Given the information already known, together with the directive to cease fundraising activities, clearly there
can be no confidence that the sub-branches of RSL New South Wales have been complying with the provisions of the Act and the Regulations and the conditions of their fundraising authorities.
WBI is a charitable trust and as such its trustees must be cognisant of the need to ensure that there is no
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misconduct or mismanagement in the administration of the charitable trust.
If a court were to be satisfied that there had been
misconduct or mismanagement of that trust, it has broad powers in proceedings brought under the Charitable Trusts Act 1993 to protect and secure the proper application of existing and future trust property.
Trustees of WBI have already taken steps to prevent any future trust property from coming into the Trust by suspending all charitable fundraising, although bequests
will continue to be received.
It appears that the trustees are also taking steps, as outlined in their correspondence to which I referred
earlier, to protect existing trust funds. However, this will need to be explored in the evidence in due course.
PUBLIC INQUIRER: Can I just raise something with you?
You said that Ernst & Young had said that WBI didn't have a separate account for donations or the appeal funds to be paid into. As I understand it - and tell me if this isn't correct - the requirement some while ago was that although
some of the conditions imposed a separate bank account requirement, the organisation could pay the funds into a general account so long as those funds in the general account could be clearly discerned; is that right?
MR CHESHIRE: That's correct, they needed to be identifiable so that they could be traced from receipt through to expense. The Ernst & Young conclusion is that
that was not possible in relation to the general account that was being kept by RSL New South Wales and WBI.
PUBLIC INQUIRER: So that position of being permitted to
pay moneys into the general account, does that still pertain?
MR CHESHIRE: As we understand it to be the case, yes.
PUBLIC INQUIRER: And so if there is a condition imposed on the organisation that it pays its funds raised in a public appeal into its separate account, then it must do
so?
MR CHESHIRE: Yes.
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PUBLIC INQUIRER: I see.
MR CHESHIRE: As matters are currently constituted,
because relevantly here RSL New South Wales and WBI have suspended fundraising, there's no fundraising coming into any account, so at the moment the question of ongoing compliance is, again, in suspension, but as to past
compliance or lack of compliance that much is clear from the Ernst & Young reports.
PUBLIC INQUIRER: Thank you. I'm sorry to interrupt.
MR CHESHIRE: Not at all. In relation to LifeCare, the position as to non-compliance with the statutory regime is as discussed earlier and as follows. The financial
statements did not include: reports in relation specifically to the fundraising appeals; the requisite report of compliance from the auditor; and the requisite statement of compliance from an officer of the
organisation.
There were not mechanisms in place for dealing with conflicts of interest, including any register of pecuniary
interest, at least until very recently.
Board members had been counted in quorum and indeed had voted on resolutions concerning their own consulting
fees, and there had been no ratification by the members of LifeCare of the agreements for consulting fees of the directors or indeed of the consulting fees themselves.
I have sell the out the current position as to non-compliance with the charitable fundraising legislative scheme for each of the three organisations as we understand it. It is anticipated, however, that issues related to
charitable fundraising will be explored in the evidence and it may well be that further non-compliance will be identified.
The events that have led to this inquiry have had devastating consequences. For the first time in a century of charitable fundraising, these organisations have belatedly focused their attention on the privilege they
have been granted to raise funds from the public and the need for compliance with the law, resulting in the most serious decision by each of these entities to suspend all
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charitable fundraising under the Act.
Relevant issues for this inquiry include the extent to which there has been non-compliance with the statutory
regime in each of the organisations; the reasons for that non-compliance; the steps taken by each of the organisations to rectify the situation and put controls in place to ensure that there is, and will be, compliance and
accountability in the future; and whether the public can have confidence that there will be compliance with the Act, that donations will be applied as intended, and that there are systems of checks and balances in place to ensure that
those matters will be monitored and enforced with proper accountability.
In relation to each of those issues, it can be said at
the present time that as to non-compliance, it is clear that it has been extensive and it appears to have extended to all aspects of charitable fundraising, including: the seeking, receiving and banking of donations; the proper
deduction of the expenses; the applying of the net proceeds to their intended purpose; the keeping of proper records and accounts; and proper reporting, including by providing financial accounts specifically of fundraising, appropriate
officers' declarations of compliance, and appropriate auditors' reports of compliance and, finally, of managing conflicts of interest within the governing bodies.
As for the reason of that non-compliance, it is apparent that each of the various individuals involved with the organisations was aware of the need to have an authority to fundraise, as is demonstrated by the fact that
applications for renewal were made and approved every five years, but there appears to have been little or no awareness of any of the obligations imposed by the Act, or indeed the regulations, or indeed the conditions of the
authority, beyond simply a requirement to obtain fundraising authority.
Questions of how this position went unremarked by the
auditors, and how those same auditors provided WBI with certificates that it had complied with its obligations under the Act when it had not, are also likely to be the subject of evidence.
As to rectifying the deficiencies, each of the organisations is in the process of taking various steps to
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do so, including ceasing fundraising and engaging external accountants to identify how donations have been applied to date and to remedy problems that have been identified in record-keeping and reporting.
These steps are ongoing and will be relevant to your report to the Minister as to the confidence that the public can have as to any future charitable fundraising by these
organisations.
I will now turn to other specific matters of controversy, the first of which is the resignation of
Mr Rowe as State President and the reasons for it.
The constitution of RSL New South Wales prohibits State Councillors, who together make up the governing body,
being paid for their services as State Councillors or indeed in any other capacity. They are, however, permitted to be reimbursed for expenses. The potential for abuse in respect of expense claims is therefore obvious and it needs
to be minimised by tight controls dictating what can be claimed and the variation for such claims.
It is apparent that for many years the controls in
place for the reimbursement and payment of the expenses of State Councillors, and in particular the State President, have been lax at best.
Mr Rowe became State President of RSL New South Wales in 2003. There were approved rates in place for such items as accommodation and travel for attending meetings of State Council or State Congress, but the State President is the
public face of RSL New South Wales, this role involves visiting RSL sub-branches around the State, incurring expenses significantly greater than the other State Councillors.
It appears, however, that there was no contract or even a policy governing the expenses of the State President at least until November 2010. This is not to suggest that
this was an oversight, but, rather, it seems to have been simply a continuation of the regime in place, or perhaps rather the absence of any regime, for the previous State Presidents.
It was then left to Mr Rowe as to what he thought was appropriate to be reimbursed. This occurred in two ways.
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Firstly, he was entitled for reimbursement as to out of pocket expenses and, secondly, he was provided with a credit card that was paid automatically by RSL New South Wales. In either event, supporting documentation was
expected and those expenses were then to be approved by the State Treasurer, being Mr White during the relevant period. There was then a monthly line item that was formally ratified by finance committee or the State Council.
It appears some time after Mr Rowe commenced as State President, an issue was raised by the accounts department with Mr White and with Mr Perrin, the Chief Executive
Officer, as to a general inadequacy of Mr Rowe's supporting documentation at the time. It is not clear what, if anything, was done to implement a more rigorous approval regime.
In November 2010, a State President's expenses policy was drafted and approved by State Council, but there appears to have been some uncertainty and confusion as to
whether it was in force and whether it applied to Mr Rowe.
It is anticipated that you will hear evidence that in 2011 there were concerns expressed about Mr Rowe's cash
withdrawals on his RSL New South Wales credit card, but there was no action taken at that time.
In 2015, after Mr Rowe had left, the then State
President, Mr White, was required to sign a contract that incorporated expenses policies, but this was never required of Mr Rowe.
It appears that at no time during Mr Rowe's 11-year tenure as State President, between 2003 and 2014 was any expense - or indeed the totality of his expenses for any given period - questioned with him, at least not until the
day after his resignation in November 2014, let alone being refused.
In the middle of November 2014, Ms Annette Mulliner
the then Chief Financial Officer of RSL New South Wales, was provided with Mr Rowe's credit card bills for the previous two months by members of the accounts staff.
When Ms Mulliner examined Mr Rowe's expense accounts, she noticed that they included large sums paid for mobile telephones other than Mr Rowe's telephone, which suggested
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to her that RSL New South Wales was paying the telephone bills of third parties. She raised her concerns with Mr Perrin and then on 24 November 2014 with Mr White.
The following day there was a meeting and discussion between Mr White and Mr Rowe, following which Mr Rowe resigned immediately.
There are several questions that arise out of the events of that day. First, did Mr Rowe resign voluntarily due to ill health, or was it because he was given an ultimatum by Mr White to resign or have an audit of his
expenses? If he resigned due to ill health, why was there an immediate vacation of office that day without any warning or, indeed, notice period and without any proper farewell with the staff. Thirdly, was his resignation
letter drafted for him and, if so, why would this have been done if this was a resignation on the grounds of ill health?
Fourthly, if in fact his resignation was due to a problem with his expenses, why did he depart immediately without any explanation of the position of the expenses being sought and without a fuller investigation?
These issues are important because RSL New South Wales represented to its members, and indeed the public at large, that Mr Rowe had resigned due to ill health, and no mention
was made of the issue that had arisen with his expenses.
This was how matters were presented: first, in a circular from Mr Perrin, the Chief Executive Officer, to
the RSL community on 26 November; secondly, in seeking advice from Mr John Cannings from PricewaterhouseCoopers, the RSL New South Wales Senior Honorary Legal Adviser, in December about filling the vacancy in the position of
the State President; thirdly, in the December monthly newsletter from the then acting State President Peter Stephenson; fourthly, in Mr Stephenson's statement in the January February edition of the Reveille magazine; fifthly,
in the statements of Mr Stephenson, as acting State President and Mr Perrin as CEO in the RSL New South Wales 2014 annual report which was published in about March 2015.
It is anticipated that the evidence will establish that issues concerning Mr Rowe were discussed in a State Council meeting on 12 December 2014. On 19 December 2014,
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Mr Stephenson discussed with Mr Cannings the need for an audit of Mr Rowe's expenses, which was confirmed by the State Executive on 22 December. Grant Thornton performed such an audit, and a draft of their report was presented to
State Council on 27 January 2015. At the State Council meeting on 27 January 2015, Mr White informed the State Councillors that Mr Rowe had resigned after he had challenged him to justify his expenses or resign.
Then at a combination of the State Council meetings on 27 January and 27 February 2015, Mr Cannings advised the State Council that Mr Rowe had been at worst careless
rather than fraudulent or criminal, and that the system of reviewing his expenses, or rather the lack of any such system, had failed Mr Rowe as much as he had failed the system.
There was considerable disagreement as to what should be done, but it was decided that Mr Rowe should only be asked to pay back certain personal expenses that should not
have been reimbursed. It appears that $4,000 was subsequently repaid by Mr Rowe at the request of Mr Stephenson.
Issues for consideration concerning Mr Rowe's departure include: the real reason or reasons for Mr Rowe's resignation; the State Councillors' knowledge of the circumstances of Mr Rowe's resignation and the date of
that knowledge; whether the public statements referred to earlier were not consistent with the real reason for his departure; and whether there was a need to correct those public statements in respect of his departure.
There were also issues relating to Mr Rowe's expenses themselves as paid by RSL New South Wales which include: to what extent were the expenses outside of the State
President's Guidelines, or were otherwise expenses that should not have been charged to the State Branch; what was the justification for the cash withdrawals and for what were they used; to what extent were the sums charged
unsupported by documentation; to what extent were staff or State Councillors of RSL New South Wales aware of these problems and what systems, if any, were in place to prevent them; and what steps, if any, were taken to rectify the
problems after Mr Rowe's departure.
These issues are important to the question of
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fundraising because the donating public needs to have confidence that any organisation to which the public makes donations is an organisation that manages its finances properly and applies donations appropriately towards their
intended charitable purposes, and has appropriate checks and balances in place to ensure that donations are properly applied and that there is transparency, accountability and honesty in its dealings with the public.
There are real questions as to whether this was the case in relation to both Mr Rowe's expenses and the manner in which his departure was handled.
I will now address the controversy in relation to the payment of what were termed consulting fees to the directors of LifeCare. The Constitution of RSL New South
Wales permits its income and property to be applied for the reasonable and proper remuneration of any persons for "services actually provided", but this does not extend to State Councillors for whom there is an absolute prohibition
on taking fees, and indeed they are deemed automatically to have vacated office if they take any position of profit within RSL New South Wales. The constitution of LifeCare prohibits directors from being paid for their ordinary
services as directors. However, directors of LifeCare were allowed to contract with a company for the provision of separate services. For instance, a builder-director cannot be paid for services provided as a director, but may,
subject to certain conditions, be paid for contracting with the company as an individual to build a retirement village.
As already discussed, the board of LifeCare consists
of the State President and other persons appointed by RSL New South Wales who were commonly appointed from the ranks of State Councillors. By about 2000, LifeCare directors took the view that there was a need for greater
input from people with skills relevant to its retirement village business, such as in relation to aged care, retirement living and property development. Initially, LifeCare appointed Mr Bill Riddington and Dr Susanne Macri
to be external advisers to the board, for which role they were paid.
In order to improve the skills and expertise of the
board relevant to operating a retirement home business, Mr Riddington and Dr Macri were then appointed as directors. However, they continued to be paid as
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consultants. Then, in a further drive to extend the expertise on the Board, Mr Graham Kells, Mr James Longley and the late Mr Owen Magee, who were not State Councillors, were appointed as directors and at the same time they were
given contracts for specialist consultancy services.
There was then a two-tiered structure on the LifeCare Board whereby the specialist consultant directors were
being paid, but the other directors were not paid. The Board decided to look at options for paying all of the directors, even though this was prohibited by the Constitution.
In October 2005, Mr Ron Thompson, the LifeCare Chief Executive Officer, made inquiries at the request of the Board into appropriate figures for the remuneration of
directors.
On 14 July 2008, Mr Thompson received a letter from Mercer Human Resource Consulting Pty Ltd in which advice
was provided as to the appropriate "fee levels for directors". Mercer advised that, in their experience, many not-for-profit organisations did not pay any remuneration to board members as they were happy to donate their time
and gain the experience of contributing to the Board. Mercer also advised that it was only where organisations were more "commercial" and or the board were active in advising on the assets of the organisation that fees were
paid to the board members. Notwithstanding this advice, Mercer included the remuneration figures for a chairman $35,000, and non-executive directors $15,000 of not-for-profit organisations that had been sourced from the
remuneration ranges disclosed in annual reports of such organisations.
The minutes of the meeting of the board of directors
of LifeCare on 22 August 2006 record that following discussion of that Mercer report, the Board resolved that:
... as from 1 July 2006, there will be an
increase in the remuneration for Specialist Consulting fees to $18,000 per annum. It was requested that Mr John Cannings review the Constitution of RSL LifeCare Limited in
order to suggest amendments to allow for Directors fees to be paid.
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On 11 September 2006 Mr Thompson wrote on behalf of LifeCare by email to Mr Cannings of PricewaterhouseCoopers, the Senior Honorary Adviser to RSL (NSW) in respect of the subject "Constitution amendments". It was in the following
terms:
At the last Board meeting I was requested to make contact with you to seek your
advice as to how to amend the constitution of the organisation to allow the directors to be paid for services. I would be grateful if you could provide some
suggestions.
In October 2006, Mr Cannings provided advice as to how the Constitution could be amended in order to permit this to
occur. However, for reasons that will be explored, the Board of directors rejected this advice and decided instead to allow payments for specialist consulting services for directors, subject to review and advice from Mr Cannings.
The Board then obtained further advice from Mr Cannings in November 2006 as to how this could be done, and in February 2007 the Board noted that advice and
resolved as follows:
1. That the current persons receiving specialist consulting fees would receive
new and revised contracts.
2. That other persons interested in receiving specialist consulting fees would
contact Mr Thompson, the CEO.
Perhaps unsurprisingly, most of the remaining directors were then given "Contracts for Specialist Consulting
Services" and started receiving fees. The fact that all of the directors were present and voted in relation to resolutions concerning fees to be paid to themselves, which continued to be the case each time consulting fees were
considered by the Board, requires consideration of whether conflicts of interest arose and recognised, whether the process complied with LifeCare's own constitution, and whether LifeCare complied with condition 20 of its
fundraising authority, which relates to dealing with conflicts of interest.
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In August 2007 there was a further refining of the consultancy fee regime in that it was determined that Mr Riddington and Dr Macri, and subsequently Mr Kells, would receive an additional fee "for additional services".
Mr White, the Chairman, also received an additional fee, although it was not recorded that this was for any "additional services".
Each year the financial statements of LifeCare included a note that "No directors receive fees for services rendered as Directors", but also a note that certain directors, who were identified, had received
"consulting fees", although it was not specified what services, if any, had been provided in that regard. Prior to 2008, the amount that each director received was specified, but that year, which was the first year that
certain directors were to receive an "additional fee", there was only a single total sum for all of the directors recorded, and that has continued to be the practice.
In February 2010, the directors decided that they should also receive, as part of their role as consultants, an additional payment of $5,000 every three years for "Tools of Trade", being items such as paper and printing,
which was in addition to their existing entitlement as directors to the reimbursement of expenses.
In February 2010 and again in October 2010 the
directors, who by that time were all receiving consulting fees, voted to increase their own consulting fees.
A problem arose for LifeCare in this regime in that a
number of the directors did not have an ABN and so needed either to obtain one or to provide a formal statement by a supplier declaring the reason for not having an ABN. A number of directors provided such statements in which each
declared one or more of the following reasons for not having an ABN: one, the payer, here LifeCare, is not making the payment in the course of carrying on an enterprise in Australia; two, the supply, by the director,
is made in the course or furtherance of an activity done as a private recreational pursuit or hobby; three, the supply is made by an individual, here the director, without a reasonable expectation of profit or gain; and, four, the
supplier (the director) is not entitled to an ABN as they are not carrying on an enterprise in Australia.
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The issue of how these statements could have been made in the circumstances will be explored.
In 2012 the fixing of the level of the consulting fees
was delegated to Mr Thompson and no longer considered or approved at formal board meetings. The adequacy of this process will also be explored.
Following an inquiry from the Department of Veterans' Affairs, there was a further internal review by LifeCare in July 2012 of consulting fees and an estimate, it appears for the first time, of the hours actually being spent by
directors on various tasks, and that was then followed by new, what were termed, "Advisory Agreements" for each of the directors, but again on the basis of an annual retainer on standard terms. The process by which there came about
will also be explored in the evidence.
The total amount paid to directors for consulting fees between 1 July 2007 and 30 June 2016, as declared in the
financial statements, was $2,378,979. As at 1 July 2007 seven of the nine directors were each receiving $18,000 per annum and as at 30 June 2016, all of the directors were receiving between $34,303 and $57,172 per annum.
In November 2016 Mr Thompson suspended the payments of consulting fees as what was described as "a precautionary measure", although they continued to be accrued in the
company accounts. In the first half of 2017 the number of the directors terminated what they were then titled Advisory Agreements, and in June 2017 the Board of LifeCare resolved that the suspension of payments under the
consultancy agreements be affirmed, but that those payments be accrued and paid "following the conclusion of the ACNC inquiry and this inquiry, subject to there being no legal impediment doing so". It also resolved that the remaining
agreements be terminated, which appears now to have taken place. These recent developments will be explored in the evidence.
The issue of the directors of LifeCare receiving consulting fees was raised at the RSL New South Wales State Council in the middle of 2015. It is likely there will be an issue as to the extent to which State Councillors were
already aware of those payments.
The fact of the consulting fees being paid to its
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directors was disclosed by LifeCare in a note to its financial statements and those financial statements were generally made available at its annual general meetings, which were attended by a State Councillor as a
representative of RSL New South Wales. On the other hand, this does not appear to have been the subject of any other discussion at least until 2015. This will also be explored in the evidence.
Questions that arise for consideration in respect of the payment in respect of these consulting fees include: what were the services the directors of LifeCare provided
for which they received the consulting fees; were these services able to be distinguished from their ordinary duties as directors of LifeCare; was there an obligation on the directors of LifeCare to seek the consent of RSL New
South Wales to their appointment as specialist consultants to LifeCare whilst they were serving as directors; and what was the true nature of the consulting fees?
There are other issues that have been identified
during the Inquiry's investigations, including whether there have been political donations made by RSL LifeCare inconsistently with its position as a charitable fundraising organisation.
Our investigations since May 2017 have revealed that members of the LifeCare staff and Board were invited to attend events in the local area organised by the State and
Federal members of Parliament, relevantly during the period all being members of the Liberal Party. The fees or costs of the attendance at these events were paid for by LifeCare and it appears that those funds went to the Liberal Party.
It is anticipated that you will hear evidence of differing views on the LifeCare Board as to whether it was appropriate for the company to pay for individuals to attend such events. On this topic, it will also be
relevant to explore the ACNC guidelines.
It is proposed that the first part of the public hearings of the inquiry, commencing on 6 September 2017,
will focus upon the payment of consulting fees to LifeCare directors, and you will hear evidence from those current and former directors who received such payments as well as from management of LifeCare.
You will then hear evidence concerning the payment of Mr Rowe's expenses and the circumstances surrounding his
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resignation.
The issue of compliance with the provisions of the statutory regime for charitable fundraising is central to
this inquiry. Each of the three organisations, RSL (NSW), WBI and LifeCare, has continued to breach those provisions over a long period of time. The systemic failures that led to such a wholescale failure continuing unchecked will be
explored.
You will hear evidence as to the measures that each organisation has now put in place to improve the situation
and whether those measures are sufficient to reassure and regain the trust of the public that it can donate with confidence, and that donations will be applied for their intended purpose and will not be put to improper or
unlawful uses.
Given the extent of non-compliance with the statutory regime, together with the apparent ignorance of its
requirements, it is likely that you will be invited to consider submissions as to whether recommendations should be made to the Minister in respect of proposals for amendments to the statutory regime - covering the Act, the
Regulations and the conditions that may be imposed - to enable a more effective regime of supervision of the process of the granting and renewal of and compliance with charitable fundraising authorities.
On 15 August 2017 you, madam inquirer, published Guideline pursuant to section 41F of the Act. They address the conduct of this inquiry, including in relation to the
public hearings of which today represents the commencement, and which will continue on 7 September 2017 rather than 6 September as I stated earlier.
The Inquiry has established a webpage on the New South Wales Department of Finance, Services and Innovation website. The terms of this inquiry and the guidelines are already available on that site, and it is anticipated that
further announcements will be published there from time to time, including the program for evidence to be called on a daily basis, which, we reiterate, will commence on 7 September 2017.
A link to live streaming of the public hearings is and will continue to be available. They are the matters with
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which I wish to deal in opening. Thank you, madam inquirer.
PUBLIC INQUIRER: Thank you, Mr Cheshire. On Thursday, 7
September, who is your first witness?
MR CHESHIRE: Mr Ron Thompson.
PUBLIC INQUIRER: Is he CEO of LifeCare.
MR CHESHIRE: He is indeed, yes.
PUBLIC INQUIRER: Yes. Anything further?
MR CHESHIRE: No, thank you.
PUBLIC INQUIRER: I will adjourn.
AT 11.37AM THE INQUIRY WAS ADJOURNED TO THURSDAY, 7 SEPTEMBER 2017 AT 10AM
$
$100,000 [1] - 11:33
$13 [1] - 7:10
$15,000 [2] - 9:47,
36:31
$157 [1] - 7:5
$18,000 [2] - 36:42,
39:22
$2,378,979 [1] - 39:21
$20 [1] - 7:4
$250,000 [1] - 11:45
$34,303 [1] - 39:24
$35,000 [1] - 36:31
$385 [1] - 7:9
$4,000 [1] - 34:21
$42 [1] - 7:8
$5,000 [1] - 38:23
$57,172 [1] - 39:24
'
'RSL [1] - 3:27
'The [1] - 3:26
1
1 [11] - 1:22, 11:43,
16:14, 16:37, 19:33,
19:35, 25:45, 36:40,
37:27, 39:20, 39:21
1.2 [1] - 7:13
10 [2] - 14:47, 24:6
100 [1] - 7:29
10AM [1] - 42:20
10am [1] - 1:27
11 [1] - 37:1
11-year [1] - 32:33
11.37AM [1] - 42:19
12 [3] - 4:9, 5:7, 33:47
1200 [1] - 6:46
135 [2] - 6:34, 6:38
14 [2] - 3:5, 36:19
142 [1] - 5:43
15 [2] - 2:45, 41:30
16 [1] - 4:28
17 [1] - 19:28
18 [3] - 7:20, 7:21,
23:2
19 [1] - 33:47
1911 [1] - 5:41
1914 [1] - 3:31
1916 [1] - 3:27
1917 [2] - 3:42, 3:47
1918 [1] - 3:31
1920 [1] - 5:32
1934 [3] - 8:38, 9:3,
9:11
1935 [1] - 3:47
1939 [2] - 6:8, 6:21
1941 [1] - 9:3
1956 [1] - 6:20
1960s [1] - 6:10
1964 [1] - 5:7
1976 [1] - 8:2
1985 [1] - 9:3
1991 [12] - 1:12, 3:2,
9:5, 11:40, 12:29,
12:38, 13:9, 17:39,
18:45, 20:19, 21:34,
24:24
1993 [1] - 28:7
2
2 [1] - 37:31
2,500 [1] - 7:12
20 [3] - 16:21, 16:25,
37:44
2000 [1] - 35:35
2003 [2] - 31:30, 32:34
2005 [1] - 36:14
2006 [8] - 6:27, 6:46,
7:19, 36:37, 36:40,
37:1, 37:15, 37:23
2007 [9] - 16:14,
16:46, 17:1, 24:13,
24:38, 37:24, 38:1,
39:20, 39:21
2008 [3] - 17:30,
36:19, 38:15
2010 [5] - 31:40,
32:18, 38:21, 38:28
2011 [2] - 26:31, 32:24
2012 [7] - 5:8, 8:13,
13:12, 13:21, 26:31,
39:4, 39:11
2013 [2] - 17:1, 26:31
2014 [15] - 5:28, 5:35,
5:38, 7:24, 14:4,
14:47, 15:9, 25:26,
32:34, 32:37, 32:40,
33:3, 33:43, 33:47
2015 [10] - 11:43,
17:30, 25:26, 32:28,
33:43, 34:5, 34:6,
34:11, 39:43, 40:7
2016 [10] - 7:8, 14:7,
15:25, 15:32, 25:26,
25:38, 26:6, 39:20,
39:23, 39:26
2017 [45] - 1:27, 2:45,
3:5, 3:6, 7:34, 15:42,
15:44, 16:2, 18:13,
19:18, 19:28, 19:33,
19:35, 20:29, 20:31,
20:41, 20:45, 21:19,
21:25, 21:43, 22:18,
22:38, 23:1, 23:2,
23:38, 23:45, 24:2,
24:4, 24:6, 24:7,
24:13, 24:28, 24:31,
24:39, 25:45, 26:29,
39:29, 39:31, 40:26,
40:40, 41:30, 41:34,
41:44, 42:20
2018 [2] - 16:38, 22:35
21 [3] - 23:45, 24:4,
24:6
22 [2] - 34:3, 36:37
24 [4] - 21:25, 24:2,
24:28, 33:3
26 [2] - 3:1, 33:33
27 [5] - 20:45, 34:5,
34:6, 34:11
27(1 [1] - 18:14
28 [2] - 23:38, 24:31
3
3 [2] - 1:20, 13:21
30 [4] - 25:25, 26:31,
39:20, 39:23
31 [1] - 21:42
32 [1] - 7:11
350 [1] - 4:37
4
4 [1] - 26:29
40,000 [1] - 4:36
41F [1] - 41:31
450 [1] - 6:47
48 [1] - 11:14
5
5 [3] - 1:27, 18:44,
20:31
6
6 [5] - 19:18, 20:29,
21:19, 40:40, 41:34
7
7 [6] - 7:6, 21:19,
41:34, 41:43, 42:4,
42:20
7,000 [1] - 7:11
750 [1] - 7:1
8
8 [1] - 22:18
9
9 [1] - 22:38
90 [1] - 7:18
95 [1] - 7:2
A
abandoned [1] - 13:9
ability [3] - 9:15,
19:40, 19:46
able [5] - 9:28, 10:31,
12:22, 22:35, 40:14
ABN [4] - 38:33,
38:35, 38:38, 38:45
abolition [1] - 9:9
absence [1] - 31:43
absolute [2] - 6:24,
35:20
absolutely [1] - 22:29
abuse [2] - 8:41, 31:19
accepted [2] - 24:37,
26:1
accepting [2] - 14:21,
14:26
accommodation [9] -
6:14, 6:21, 6:31,
6:37, 6:43, 7:1, 7:25,
7:28, 31:31
accompanying [1] -
10:6
accordance [7] - 12:3,
12:6, 12:21, 13:25,
17:38, 17:43, 24:20
according [1] - 10:26
account [12] - 5:39,
10:30, 23:28, 26:47,
28:22, 28:25, 28:27,
28:28, 28:33, 28:37,
28:44, 29:7
accountability [6] -
9:23, 9:25, 13:16,
30:9, 30:14, 35:7
accountant [2] -
12:36, 12:37
accountants [3] -
15:47, 18:18, 31:2
accounted [2] - 12:5,
17:43
accounting [5] -
17:36, 19:36, 20:16,
20:39, 25:18
accounts [18] - 9:21,
11:27, 11:41, 12:1,
.05/09/2017 (1)
Transcript produced by DTI
1
12:2, 12:12, 12:16,
12:36, 17:2, 19:31,
25:17, 26:45, 30:23,
30:24, 32:11, 32:43,
32:45, 39:29
accredited [1] - 9:21
accrued [2] - 39:28,
39:34
achieve [1] - 16:25
acknowledged [1] -
25:21
acknowledging [1] -
24:31
ACNC [14] - 13:14,
13:21, 13:23, 13:25,
13:28, 13:30, 13:35,
20:21, 21:24, 22:7,
22:32, 39:34, 40:37
Act [53] - 3:2, 3:5, 3:6,
3:13, 8:2, 9:3, 9:5,
9:19, 10:23, 11:35,
12:3, 12:6, 12:10,
12:18, 12:24, 13:12,
13:25, 13:28, 13:36,
13:38, 13:40, 13:44,
14:32, 16:5, 16:26,
16:33, 16:43, 16:46,
17:5, 17:13, 17:28,
17:39, 17:44, 17:47,
18:14, 18:45, 19:21,
20:10, 20:19, 20:22,
21:34, 23:40, 24:24,
25:10, 25:34, 27:42,
28:7, 30:1, 30:10,
30:35, 30:43, 41:24,
41:31
ACT [2] - 1:12, 5:45
act [1] - 11:17
Act) [1] - 3:3
acting [2] - 33:38,
33:41
action [3] - 22:43,
24:34, 32:26
actioned [1] - 21:16
active [1] - 36:27
activities [14] - 5:35,
8:17, 8:20, 9:43,
10:47, 11:40, 11:42,
13:3, 22:3, 22:39,
25:37, 27:16, 27:34,
27:40
activity [3] - 9:38,
19:11, 38:41
actual [1] - 12:37
addition [2] - 20:40,
38:25
additional [8] - 19:41,
20:39, 38:4, 38:5,
38:7, 38:17, 38:23
address [5] - 8:21,
11:7, 23:22, 35:14,
41:31
addressed [1] - 18:21
adequacy [1] - 39:6
adequate [1] - 16:25
adequately [1] - 12:11
adjourn [1] - 42:17
ADJOURNED [1] -
42:19
administer [1] - 10:14
administered [4] - 4:7,
5:29, 10:5, 11:1
administration [1] -
28:1
Administrative [1] -
5:8
administrator [1] -
13:3
admitted [1] - 22:19
advancing [1] - 19:46
advertising [2] -
10:46, 14:19
advice [11] - 15:27,
19:20, 33:34, 36:20,
36:29, 37:9, 37:15,
37:18, 37:20, 37:22,
37:24
advise [1] - 20:16
advised [12] - 19:31,
19:35, 20:8, 20:22,
20:38, 22:38, 22:40,
23:11, 25:29, 34:11,
36:22, 36:26
Adviser [2] - 33:35,
37:3
advisers [1] - 35:41
advising [2] - 21:2,
36:28
Advisory [2] - 39:14,
39:31
affairs [2] - 13:3,
15:43
Affairs [1] - 39:10
affected [1] - 15:29
affects [1] - 23:25
affiliate [1] - 4:5
affirmed [1] - 39:33
aged [2] - 5:44, 35:38
aggregate [2] - 11:32,
25:4
ago [1] - 28:24
agreement [2] - 10:41,
10:45
agreements [4] - 26:9,
29:30, 39:33, 39:37
Agreements [2] -
39:14, 39:31
ahead [1] - 23:23
aim [2] - 7:27, 13:14
aimed [1] - 11:4
aims [3] - 3:43, 5:12,
8:26
aired [1] - 15:35
Airmen's [1] - 5:34
Albert [1] - 1:22
alert [1] - 12:24
Alison [1] - 17:26
allegations [1] - 15:36
allied [1] - 4:3
allies [1] - 6:16
allow [4] - 6:31, 36:45,
37:10, 37:19
allowed [1] - 35:26
almost [1] - 13:41
alone [2] - 18:5, 32:37
alternate [1] - 4:15
alternative [1] - 23:11
amend [1] - 37:9
amended [4] - 3:5,
6:20, 9:3, 37:16
amendment [1] -
12:29
Amendment [1] - 3:6
amendments [2] -
36:45, 41:24
amendments" [1] -
37:4
amount [4] - 9:47,
10:42, 38:15, 39:19
Andrew [1] - 24:28
Annette [1] - 32:40
announcements [1] -
41:41
annual [10] - 4:11,
6:41, 7:4, 11:26,
14:3, 27:16, 33:43,
36:33, 39:15, 40:3
annum [3] - 36:42,
39:23, 39:24
answers [1] - 18:16
Anthony [1] - 1:35
anticipate [1] - 15:16
anticipated [8] -
19:33, 20:31, 25:26,
29:36, 32:23, 33:45,
40:33, 41:40
anticipation [1] -
20:44
Anzac [3] - 5:25, 14:3,
20:2
apartments [2] - 6:34,
6:38
apparent [7] - 5:16,
5:36, 13:34, 18:4,
30:30, 31:24, 41:20
appeal [22] - 9:34,
9:36, 9:38, 9:39,
10:40, 11:29, 17:19,
18:42, 18:43, 19:4,
19:23, 19:26, 20:11,
20:25, 21:10, 24:43,
26:46, 27:7, 28:22,
28:44
Appeal [5] - 5:25,
5:26, 14:5, 20:2,
20:3
appeals [31] - 8:42,
9:45, 10:14, 10:31,
11:31, 11:33, 12:2,
13:4, 14:2, 14:3,
14:5, 14:9, 17:4,
17:18, 17:20, 17:34,
17:41, 18:29, 20:2,
20:33, 21:7, 22:3,
24:46, 25:2, 25:6,
25:16, 26:44, 27:3,
27:14, 29:18
Appeals [1] - 5:24
appear [13] - 2:3, 2:6,
2:9, 2:13, 2:15, 2:17,
2:20, 2:23, 2:26,
2:29, 2:32, 2:34,
40:6
appearances [1] - 2:1
appeared [4] - 8:16,
19:20, 19:24, 23:39
application [2] - 10:4,
28:7
applications [1] -
30:33
applied [15] - 8:9,
9:27, 10:26, 10:44,
12:5, 16:28, 17:43,
20:26, 25:2, 30:11,
31:2, 32:21, 35:7,
35:17, 41:15
applies [1] - 35:4
apply [1] - 11:43
applying [2] - 25:18,
30:21
appoint [1] - 13:2
appointed [10] - 2:46,
3:8, 3:37, 14:44,
24:28, 35:33, 35:34,
35:40, 35:46, 36:4
appointment [2] -
20:41, 40:17
appoints [1] - 6:2
appreciate [1] - 23:18
apprehend [1] - 12:28
approached [1] - 6:28
appropriate [12] -
3:23, 3:38, 16:40,
27:26, 27:35, 30:24,
30:25, 31:47, 35:5,
36:16, 36:21, 40:35
appropriately [1] -
35:4
appropriateness [1] -
15:22
approval [3] - 11:17,
26:13, 32:15
approved [7] - 5:8,
20:40, 30:33, 31:30,
32:5, 32:19, 39:6
April [2] - 5:8, 5:26
area [3] - 9:2, 13:8,
40:28
areas [1] - 4:10
arise [3] - 11:5, 33:9,
40:10
arisen [1] - 33:29
arising [1] - 3:12
arm [2] - 5:21, 5:22
armed [2] - 4:3, 6:15
arose [2] - 37:42,
38:32
ascertain [2] - 19:25,
27:6
aside [2] - 15:41,
15:42
aspect [1] - 18:9
aspects [1] - 30:19
assets [9] - 7:5, 7:6,
7:9, 7:10, 7:13, 8:8,
8:9, 11:30, 36:28
assistance [2] - 7:25,
20:36
assisted [1] - 7:30
Assisting [1] - 2:4
associated [6] - 3:25,
10:14, 12:10, 17:36,
20:12, 21:10
Association [3] - 5:33,
5:34, 7:34
association [3] - 5:1,
7:38, 11:23
associations [1] -
4:22
assurance [1] - 24:8
AT [2] - 42:19, 42:20
ATO [1] - 8:21
attached [5] - 9:16,
11:36, 17:5, 20:20,
25:11
attachment [1] - 22:10
attend [2] - 40:28,
40:36
attendance [1] - 40:31
attended [1] - 40:4
attending [1] - 31:31
attention [3] - 18:32,
19:19, 29:44
Attorney [1] - 6:41
audit [5] - 9:22, 17:25,
33:12, 34:2, 34:4
Audit [1] - 17:24
audited [2] - 11:41,
12:16
auditor [12] - 11:47,
.05/09/2017 (1)
Transcript produced by DTI
2
12:9, 12:13, 12:17,
12:23, 12:29, 12:38,
23:43, 24:5, 25:15,
27:21, 29:19
Auditor's [1] - 26:33
auditors [5] - 17:22,
18:1, 25:22, 30:41
auditors' [2] - 17:46,
30:26
audits [1] - 23:20
August [15] - 3:5,
19:33, 21:19, 22:18,
22:38, 23:1, 23:2,
23:45, 24:2, 24:4,
24:6, 24:28, 36:37,
38:1, 41:30
Australia [10] - 3:16,
3:26, 3:28, 3:46, 4:3,
4:47, 5:32, 6:16,
38:40, 38:46
Australian [4] - 3:45,
8:15, 13:11, 13:13
authorisation [2] -
10:27, 19:43
authorised [5] - 2:47,
10:18, 10:34, 10:46,
16:13
authorities [6] - 10:7,
10:24, 13:10, 16:22,
27:44, 41:28
Authority [1] - 11:36
authority [23] - 1:4,
9:12, 9:13, 10:3,
10:11, 10:12, 10:16,
10:19, 11:23, 11:27,
14:32, 16:16, 16:35,
16:43, 17:6, 20:21,
24:26, 25:12, 30:32,
30:37, 30:38, 37:45
automatically [2] -
32:3, 35:21
auxiliaries [6] - 21:32,
21:37, 22:1, 22:11,
23:10, 27:33
Auxiliaries [4] - 4:32,
4:34, 4:35, 14:37
auxiliary [1] - 23:26
available [6] - 6:38,
10:8, 20:17, 40:3,
41:40, 41:47
aware [4] - 21:29,
30:31, 34:42, 39:45
awareness [2] - 4:46,
30:35
B
background [1] -
14:39
balance [3] - 11:29,
17:19, 24:45
balances [3] - 9:25,
30:12, 35:6
bank [1] - 28:25
banked [1] - 10:29
banking [1] - 30:20
Bare [1] - 6:7
basis [6] - 14:22, 18:4,
24:12, 25:34, 39:15,
41:43
BDO [2] - 17:23, 17:24
bearers [1] - 14:42
became [1] - 31:29
BECKETT [1] - 2:17
Beckett [1] - 2:17
become [1] - 21:29
beds [1] - 7:20
BEFORE [1] - 1:30
beginning [1] - 22:35
behalf [1] - 37:1
behind [1] - 22:36
belatedly [1] - 29:44
benefit [3] - 3:44,
9:36, 11:16
benevolent [1] - 9:41
Benevolent [3] - 2:10,
3:17, 7:35
bequeathed [1] - 9:45
bequests [1] - 28:12
Bergin [1] - 1:31
best [1] - 31:27
better [1] - 19:37
Better [1] - 2:45
between [11] - 6:4,
14:41, 17:1, 18:40,
20:32, 24:13, 24:38,
32:34, 33:6, 39:20,
39:24
beyond [2] - 18:8,
30:37
Bill [1] - 35:40
billion [1] - 7:13
bills [2] - 32:42, 33:2
binding [1] - 8:20
Board [20] - 3:35,
3:38, 15:47, 16:2,
16:4, 26:19, 36:2,
36:8, 36:10, 36:16,
36:25, 36:38, 37:7,
37:18, 37:22, 37:24,
37:41, 39:31, 40:27,
40:34
board [10] - 6:23,
29:27, 35:32, 35:41,
35:45, 36:24, 36:27,
36:29, 36:36, 39:6
bodies [5] - 3:11,
8:39, 9:20, 22:8,
30:27
body [5] - 11:1, 12:13,
16:24, 27:30, 31:16
books [3] - 10:34,
14:18, 24:17
branch [3] - 4:33,
8:14, 23:25
Branch [2] - 3:16,
34:38
branches [19] - 4:19,
4:20, 4:30, 4:37,
7:40, 7:43, 7:45, 8:6,
8:7, 8:16, 14:36,
21:31, 21:37, 21:47,
22:11, 23:10, 27:33,
27:41, 31:34
Branches [3] - 3:35,
3:37, 3:42
branches's [1] - 4:25
brand [2] - 7:15, 8:23
breach [2] - 16:33,
41:6
breaches [2] - 16:31,
24:37
brief [1] - 23:31
bringing [1] - 12:12
broad [2] - 12:47, 28:5
brought [1] - 28:6
Brown [4] - 21:20,
22:32, 23:2, 23:10
brown [1] - 22:18
BUCK [1] - 2:26
Buck [1] - 2:26
build [1] - 35:30
builder [1] - 35:27
builder-director [1] -
35:27
Building [1] - 1:20
business [2] - 35:38,
35:45
buttons [1] - 14:17
C
Camporeale [1] - 1:37
Cannings [8] - 33:34,
34:1, 34:11, 36:43,
37:2, 37:15, 37:20,
37:23
cannot [3] - 8:10,
23:23, 35:27
capacity [1] - 31:18
card [3] - 32:3, 32:25,
32:42
care [5] - 4:44, 5:44,
5:45, 7:12, 35:38
careless [1] - 34:12
carried [2] - 8:13,
24:12
carrying [3] - 3:1,
38:39, 38:46
case [5] - 4:24, 7:20,
28:40, 35:11, 37:40
cases [1] - 22:24
cash [6] - 7:5, 7:9,
32:24, 34:39
categories [1] - 6:42
caused [2] - 5:18,
15:15
CCWA [1] - 4:34
cease [3] - 21:40,
22:1, 27:40
ceasing [1] - 31:1
Cedars [1] - 14:10
celebrations [1] - 14:6
cent [4] - 7:2, 7:18,
7:20, 7:21
centenary [1] - 14:6
central [1] - 41:4
Central [1] - 4:33
century [2] - 8:23,
29:42
CEO [3] - 33:42,
37:33, 42:9
certain [11] - 3:12, 4:4,
9:43, 10:5, 13:1,
13:24, 24:31, 34:20,
35:29, 38:12, 38:17
certificates [1] - 30:42
certified [1] - 12:37
certify [1] - 12:17
chairman [1] - 36:30
Chairman [5] - 15:3,
15:5, 16:2, 24:29,
38:5
challenged [1] - 34:8
challenges [3] -
14:28, 23:5, 23:6
change [1] - 14:47
changes [1] - 7:47
charged [2] - 34:38,
34:40
CHARITABLE [1] -
1:12
Charitable [14] - 3:2,
3:6, 9:2, 9:5, 13:39,
16:5, 17:38, 18:44,
20:18, 21:22, 21:34,
24:24, 25:33, 28:6
charitable [54] - 3:11,
3:13, 4:22, 5:4, 5:22,
5:23, 5:28, 5:37,
5:39, 5:46, 8:9, 8:10,
8:17, 8:31, 8:35,
8:39, 8:40, 9:20,
9:25, 9:32, 9:40,
13:10, 13:43, 13:46,
14:23, 16:16, 18:46,
19:8, 19:11, 19:15,
20:11, 20:20, 24:8,
24:16, 24:20, 24:33,
25:47, 26:34, 26:38,
27:34, 27:46, 28:2,
28:12, 29:34, 29:37,
29:43, 30:1, 30:19,
31:8, 35:5, 40:23,
41:4, 41:28
Charities [2] - 13:12,
13:13
charities [4] - 8:45,
9:29, 13:9, 14:27
Charity [1] - 9:10
charter [2] - 4:25, 7:41
Charters [1] - 4:18
checks [3] - 9:24,
30:12, 35:5
CHESHIRE [13] - 2:3,
2:43, 12:32, 12:40,
12:45, 28:30, 28:40,
28:47, 29:4, 29:14,
42:7, 42:11, 42:15
Cheshire [3] - 1:35,
2:41, 42:4
Chief [6] - 15:6, 15:26,
32:12, 32:41, 33:32,
36:14
chosen [1] - 14:27
Chris [1] - 15:6
circular [1] - 33:32
circumstances [6] -
5:12, 13:1, 15:12,
34:28, 39:2, 40:47
claimed [1] - 31:22
claims [2] - 31:20,
31:22
clear [5] - 14:33,
14:41, 29:9, 30:17,
32:14
clearer [2] - 20:32,
20:44
clearly [7] - 10:31,
19:23, 20:24, 23:13,
27:3, 27:40, 28:28
clients [1] - 7:12
close [1] - 14:41
club [2] - 23:26
Clubs [2] - 7:34, 8:2
clubs [4] - 7:45, 8:3,
8:5, 8:8
co [1] - 21:14
co-mingling [1] -
21:14
cognisant [1] - 27:47
Coin [1] - 14:5
collected [1] - 8:40
Collections [1] - 9:3
collectors [1] - 10:28
combination [2] -
6:11, 34:10
combined [1] - 12:47
.05/09/2017 (1)
Transcript produced by DTI
3
coming [3] - 23:3,
28:11, 29:6
commemoration [1] -
4:44
commence [3] -
12:38, 19:34, 41:43
commenced [2] -
13:21, 32:10
commencement [1] -
41:33
commencing [1] -
40:40
commercial [2] - 8:19,
36:27
Commission [2] -
13:12, 13:14
commission [1] -
10:42
Commissioner [1] -
13:26
commitment [1] -
20:34
Committee [1] - 15:43
committee [1] - 32:8
commonly [2] - 4:21,
35:34
Commonwealth [2] -
13:7, 13:11
communicate [2] -
22:7, 23:16
community [6] - 4:46,
7:12, 9:4, 14:27,
14:28, 33:33
company [6] - 5:42,
23:39, 35:26, 35:30,
39:29, 40:35
compensation [1] -
4:44
complemented [1] -
12:45
complete [2] - 5:10,
10:4
completely [1] - 13:41
completion [1] - 18:24
complexity [1] - 23:4
compliance [44] -
12:17, 12:24, 12:26,
13:28, 13:37, 17:28,
17:47, 18:6, 18:8,
20:9, 21:39, 22:44,
23:42, 24:35, 25:10,
25:21, 25:30, 25:33,
25:46, 26:22, 26:26,
26:38, 27:21, 27:22,
29:8, 29:9, 29:15,
29:19, 29:20, 29:34,
29:38, 29:46, 30:4,
30:6, 30:8, 30:10,
30:17, 30:25, 30:26,
30:29, 41:3, 41:19,
41:27
Compliance [2] -
25:32, 26:33
compliant [1] - 22:15
complied [7] - 11:36,
16:21, 17:6, 27:36,
30:42, 37:43, 37:44
comply [7] - 9:16,
10:45, 20:17, 21:32,
22:45, 23:40, 24:32
complying [1] - 27:42
concept [3] - 9:10,
13:8, 13:11
concern [1] - 21:14
concerned [2] - 6:16,
10:13
concerning [10] -
18:27, 19:41, 19:43,
26:20, 26:25, 29:28,
33:46, 34:25, 37:39,
40:46
concerns [5] - 8:14,
8:21, 20:28, 32:24,
33:2
conclusion [2] -
28:32, 39:34
condition [4] - 16:21,
16:25, 28:42, 37:44
Conditions [1] - 11:36
conditions [14] - 9:16,
10:17, 10:19, 10:23,
11:18, 16:32, 17:5,
20:20, 25:11, 27:43,
28:25, 30:36, 35:29,
41:25
Condon [1] - 24:28
conduct [6] - 1:6, 9:6,
11:31, 13:3, 16:16,
41:32
conducted [13] - 5:22,
8:35, 8:42, 10:40,
14:4, 14:5, 14:11,
14:12, 14:34, 20:26,
21:24, 22:3, 22:4
conducting [2] - 9:31,
13:31
conducts [1] - 5:25
confidence [9] - 9:26,
9:28, 13:18, 23:36,
27:41, 30:10, 31:7,
35:2, 41:15
confident [1] - 22:34
confined [1] - 6:14
confirm [1] - 20:16
confirmation [1] -
20:23
confirmed [3] - 15:27,
18:22, 34:2
conflict [1] - 16:30
conflicts [11] - 7:26,
11:5, 11:7, 11:9,
16:24, 26:4, 27:27,
29:24, 30:27, 37:42,
37:46
confronted [1] - 15:17
confusion [1] - 32:20
Congress [3] - 4:11,
4:30, 31:32
connection [1] - 8:24
consent [1] - 40:16
consequences [1] -
29:42
consider [1] - 41:22
considerable [1] -
34:18
consideration [3] -
34:25, 37:41, 40:10
considered [5] - 6:23,
6:33, 6:39, 37:41,
39:5
consistent [2] - 23:12,
34:30
consists [2] - 4:8,
35:32
constituted [4] - 5:7,
10:22, 26:26, 29:4
constitution [6] -
6:13, 6:20, 31:15,
35:23, 37:9, 37:43
Constitution [6] -
4:19, 35:16, 36:12,
36:44, 37:4, 37:16
consultancy [3] -
36:5, 38:2, 39:33
consultant [1] - 36:8
consultants [3] - 36:1,
38:22, 40:17
consultation [1] - 9:4
consulting [31] -
15:23, 15:29, 15:34,
15:38, 26:10, 26:11,
26:15, 26:20, 26:23,
26:26, 29:28, 29:30,
29:31, 35:15, 37:19,
37:28, 37:32, 37:40,
38:13, 38:29, 38:30,
39:4, 39:11, 39:19,
39:27, 39:42, 39:47,
40:11, 40:13, 40:19,
40:41
Consulting [3] -
36:20, 36:42, 37:36
contact [2] - 37:8,
37:33
contain [2] - 11:28,
17:9
contained [3] - 14:2,
17:16, 24:40
contend [1] - 26:21
contents [1] - 1:5
context [2] - 16:8,
18:10
continuation [1] -
31:42
continue [5] - 8:7,
8:46, 28:13, 41:34,
41:47
continued [9] - 3:7,
5:38, 9:6, 15:40,
35:47, 37:40, 38:19,
39:28, 41:6
continuing [3] - 7:16,
25:43, 41:8
continuously [1] -
3:46
contract [3] - 31:38,
32:29, 35:26
contracting [1] -
35:29
Contracts [1] - 37:36
contracts [2] - 36:5,
37:29
contrary [1] - 19:21
contrast [1] - 13:38
contravention [1] -
12:10
contributing [1] -
36:25
contribution [1] -
18:46
contributions [2] -
19:8, 19:12
control [1] - 8:39
controls [4] - 11:39,
30:7, 31:21, 31:24
controversial [1] -
15:13
controversy [4] -
15:32, 15:40, 31:12,
35:14
conveyances [1] -
6:11
cooperation [1] -
25:43
copies [1] - 25:25
copy [1] - 21:2
COPYRIGHT [1] - 1:1
Copyright [1] - 1:2
correct [6] - 12:30,
12:32, 12:40, 28:24,
28:30, 34:31
correspondence [1] -
28:16
costs [1] - 40:30
Council [24] - 4:7,
4:16, 4:29, 4:34,
4:36, 14:42, 14:44,
15:22, 15:41, 15:42,
21:25, 21:43, 22:6,
23:3, 23:7, 31:32,
32:8, 32:19, 33:47,
34:5, 34:10, 34:12,
39:43
Councillor [2] - 22:28,
40:4
Councillors [13] -
4:11, 4:31, 15:28,
31:16, 31:17, 31:26,
31:36, 34:7, 34:42,
35:20, 35:35, 36:3,
39:44
Councillors' [1] -
34:27
Councils [2] - 4:27,
4:29
Counsel [1] - 2:4
counted [2] - 26:19,
29:27
countries [1] - 4:4
country [1] - 4:28
course [5] - 9:36,
12:19, 28:18, 38:39,
38:41
courses [1] - 24:33
Court [2] - 5:9, 6:28
court [3] - 6:31, 6:45,
28:4
cover [1] - 16:14
covered [3] - 14:33,
16:44, 18:2
covering [1] - 41:24
credit [3] - 32:3,
32:25, 32:42
criminal [1] - 34:13
Crosthwaite [1] - 2:32
Crown [2] - 6:11, 6:27
current [7] - 5:7, 5:14,
5:17, 20:20, 29:33,
37:27, 40:42
D
daily [1] - 41:43
date [3] - 3:7, 31:3,
34:28
days [1] - 14:29
deal [3] - 3:22, 12:23,
42:1
dealing [6] - 11:9,
16:23, 26:4, 27:26,
29:23, 37:45
dealings [1] - 35:8
dealt [3] - 12:11,
12:20, 18:28
debate [1] - 11:20
decades" [1] - 22:30
December [6] - 13:21,
33:36, 33:37, 33:47,
34:3
.05/09/2017 (1)
Transcript produced by DTI
4
decided [4] - 34:19,
36:10, 37:18, 38:21
decision [2] - 22:25,
29:47
decision-makers" [1]
- 22:25
decisions [1] - 16:27
declaration [3] -
11:33, 17:10, 25:8
Declaration [2] - 17:1,
26:33
declarations [2] -
23:42, 30:25
declared [2] - 38:37,
39:20
declaring [1] - 38:35
declined [1] - 6:17
dedicated [1] - 10:30
deducted [3] - 8:43,
10:33, 10:43
deduction [1] - 30:21
deed [1] - 8:21
deemed [1] - 35:21
deeply [1] - 18:26
defects [1] - 26:32
Defence [3] - 3:45,
4:45, 5:2
DefenceCare [3] -
3:18, 5:23, 5:24
deficiencies [1] -
30:46
defined [1] - 9:34
delegated [1] - 39:5
delegates [1] - 4:29
demonstrated [1] -
30:32
demonstrating [1] -
9:15
depart [1] - 33:22
Department [4] - 1:3,
1:4, 39:9, 41:38
department [1] - 32:11
departure [5] - 34:26,
34:31, 34:32, 34:45,
35:12
dependants [13] -
3:45, 4:42, 4:45,
5:11, 5:14, 5:16,
5:17, 6:22, 6:35,
6:36, 7:3, 7:18, 8:27
depended [1] - 8:30
dependents [1] - 7:22
deposited [1] - 26:47
Deputy [1] - 3:36
derived [3] - 7:46,
20:32, 21:11
described [1] - 39:27
describes [2] - 4:39,
7:16
deserving [3] - 6:24,
6:33, 6:40
designated [1] - 4:10
designed [1] - 3:38
detail [1] - 3:23
details [2] - 11:31,
25:4
detected [1] - 23:17
determined [2] -
22:14, 38:2
devastating [1] -
29:42
development [1] -
35:39
developments [1] -
39:38
devised [1] - 9:45
dictating [1] - 31:21
differing [1] - 40:33
difficulties [1] - 23:9
difficulty [1] - 5:18
direction [1] - 4:23
Directive [4] - 21:21,
21:22, 21:27, 22:6
directive [2] - 23:8,
27:40
directly [1] - 7:33
director [12] - 6:2,
11:10, 11:15, 11:17,
15:3, 26:25, 35:27,
35:28, 38:15, 38:40,
38:43, 38:45
director's [1] - 11:12
Directors [2] - 36:46,
38:11
directors [55] - 6:3,
6:5, 6:23, 6:33, 6:39,
11:5, 14:43, 15:24,
15:28, 24:2, 26:10,
26:14, 26:22, 29:31,
35:16, 35:24, 35:25,
35:36, 35:47, 36:4,
36:8, 36:9, 36:11,
36:17, 36:31, 36:36,
37:10, 37:18, 37:20,
37:35, 37:38, 38:10,
38:12, 38:17, 38:18,
38:21, 38:26, 38:29,
38:33, 38:36, 39:13,
39:15, 39:19, 39:22,
39:23, 39:30, 39:41,
40:1, 40:12, 40:15,
40:16, 40:18, 40:42,
40:43
directors" [1] - 36:22
directors' [1] - 11:12
directs [1] - 21:44
disabled [1] - 22:40
disagreement [1] -
34:18
Disaster [1] - 14:12
discerned [1] - 28:28
disclose [1] - 19:2
disclosed [2] - 36:33,
40:1
disclosure [3] - 18:27,
19:17, 20:30
discrete [5] - 19:3,
19:42, 20:11, 20:25,
21:6
discretion [1] - 6:24
discussed [7] - 13:43,
26:42, 27:10, 29:16,
33:46, 34:1, 35:32
discussion [4] -
13:34, 33:5, 36:38,
40:7
discussions [2] -
11:11, 15:24
distinguish [2] -
18:39, 20:24
distinguished [4] -
10:32, 19:24, 27:3,
40:14
distress [1] - 23:9
distributed [1] - 8:11
District [2] - 4:27, 4:29
districts [1] - 4:28
document [1] - 21:21
documentary [1] -
10:34
documentation [4] -
10:5, 32:4, 32:14,
34:41
documents [2] -
18:15, 19:23
dollar [1] - 22:20
domain [1] - 15:35
Don [2] - 15:2, 17:1
Donald [1] - 2:15
donate [5] - 9:28,
9:29, 14:16, 36:24,
41:14
donate-now [1] -
14:16
donated [1] - 9:22
donating [1] - 35:1
donations [21] - 9:26,
10:28, 14:15, 14:21,
19:15, 22:21, 22:41,
22:42, 24:15, 24:19,
25:19, 25:40, 28:22,
30:11, 30:20, 31:2,
35:3, 35:4, 35:6,
40:22, 41:15
done [9] - 13:36,
16:28, 17:9, 23:32,
32:15, 33:18, 34:19,
37:23, 38:41
doors [1] - 6:18
DORAN [1] - 2:6
Dr [4] - 2:37, 35:40,
35:46, 38:3
draft [1] - 34:4
drafted [2] - 32:19,
33:17
draw [1] - 18:32
drawing [1] - 19:18
drive [1] - 36:1
due [7] - 8:10, 8:14,
28:18, 33:11, 33:13,
33:21, 33:28
DUGGAN [1] - 2:23
Duggan [1] - 2:23
during [9] - 15:13,
17:22, 17:37, 17:42,
18:1, 32:6, 32:33,
40:21, 40:29
duties [2] - 25:32,
40:15
E
ease [1] - 20:5
edition [1] - 33:40
effect [1] - 3:7
effective [1] - 41:26
effectively [1] - 20:10
effects [1] - 23:20
either [5] - 15:11,
17:28, 18:39, 32:4,
38:34
elected [4] - 3:34,
4:11, 4:13, 21:25
elections [1] - 15:44
electronic [1] - 15:36
elects [1] - 4:31
email [1] - 37:2
emails [1] - 22:43
employed [1] - 20:38
enable [5] - 16:5,
19:23, 20:9, 20:24,
41:26
enabled [2] - 8:24,
8:45
enables [1] - 12:18
enclosed [1] - 24:4
end [2] - 21:42, 25:38
ended [1] - 8:44
enforced [1] - 30:13
engage [1] - 5:38
engaged [5] - 5:37,
8:19, 20:15, 25:23,
25:29
engagement [1] -
18:36
engaging [2] - 8:16,
31:1
enhance [1] - 13:18
enhanced [1] - 8:28
enhancing [2] - 19:40,
20:5
ensure [11] - 9:30,
12:23, 13:37, 16:26,
21:38, 22:45, 27:36,
27:47, 30:8, 30:12,
35:6
ensuring [2] - 7:16,
25:33
entering [1] - 8:20
enterprise [3] - 9:39,
38:40, 38:46
entities [15] - 3:11,
3:15, 3:23, 4:21,
7:40, 8:1, 8:35, 9:6,
10:18, 13:17, 13:22,
17:22, 18:13, 19:22,
29:47
entities' [1] - 13:27
entitled [5] - 4:24, 6:1,
21:21, 32:1, 38:45
entitlement [1] - 38:25
entity [1] - 14:40
Enzo [1] - 1:37
Equine [1] - 14:10
equivalent [2] - 7:6,
7:10
Ernst [12] - 18:18,
18:21, 19:20, 20:15,
20:23, 20:30, 20:46,
21:2, 26:41, 28:21,
28:32, 29:10
essence [1] - 6:21
essentially [1] - 6:14
establish [2] - 15:16,
33:45
established [19] -
3:27, 3:42, 4:19,
4:27, 4:33, 5:6, 5:31,
6:9, 7:24, 7:35, 7:41,
8:29, 13:13, 15:43,
15:47, 16:8, 20:32,
20:44, 41:37
establishment [1] -
16:22
estimate [1] - 39:11
event [1] - 32:4
events [6] - 14:28,
29:41, 33:10, 40:28,
40:31, 40:36
evidence [18] - 10:9,
10:34, 15:13, 15:16,
27:32, 28:18, 29:37,
30:44, 32:23, 33:45,
39:17, 39:39, 40:8,
40:33, 40:42, 40:46,
41:11, 41:42
evidently [1] - 26:24
ex [5] - 4:41, 4:42,
4:45, 5:10, 6:2
.05/09/2017 (1)
Transcript produced by DTI
5
ex-official [1] - 6:2
ex-service [1] - 5:10
ex-servicemen [2] -
4:41, 4:42
ex-serving [1] - 4:45
exact [1] - 23:17
examined [2] - 18:34,
32:45
exceed [2] - 9:47,
11:45
exceeded [1] - 11:33
except [1] - 1:4
exception [1] - 22:2
excessive [1] - 8:43
excluded [2] - 9:43,
11:11
Executive [8] - 4:14,
15:6, 15:26, 25:32,
32:12, 33:32, 34:3,
36:15
executive [1] - 36:31
exempt [1] - 8:17
exemptions [1] - 19:6
exercise [1] - 18:33
exist [1] - 4:20
existing [4] - 10:12,
28:8, 28:17, 38:25
expanded [1] - 7:10
expectation [1] -
38:44
expected [1] - 32:5
expended [5] - 6:22,
19:5, 19:26, 24:19,
27:8
expenditure [14] -
10:38, 11:29, 11:42,
17:3, 18:40, 18:41,
18:42, 19:14, 19:44,
20:12, 20:33, 21:6,
24:42, 25:5
expense [5] - 21:10,
28:32, 31:20, 32:35,
32:45
expenses [31] - 8:43,
10:32, 10:43, 11:26,
15:19, 15:37, 19:7,
30:21, 31:19, 31:25,
31:35, 31:39, 32:2,
32:5, 32:18, 32:30,
32:35, 33:13, 33:22,
33:23, 33:29, 34:2,
34:8, 34:14, 34:20,
34:34, 34:36, 34:37,
35:11, 38:26, 40:47
experience [3] - 3:39,
36:22, 36:25
expertise [3] - 3:38,
35:44, 36:2
explain [1] - 10:35
explanation [1] -
33:23
explicitly [1] - 24:31
explore [1] - 40:37
explored [9] - 28:18,
29:37, 37:17, 39:2,
39:7, 39:17, 39:38,
40:7, 41:9
express [2] - 11:10,
25:39
expressed [3] - 20:29,
24:11, 32:24
expressly [2] - 9:43,
21:16
extend [4] - 5:13,
25:33, 35:19, 36:1
extended [2] - 18:8,
30:18
extension [1] - 18:17
extensive [4] - 9:4,
13:34, 27:29, 30:18
extent [6] - 30:3,
34:36, 34:40, 34:41,
39:44, 41:19
external [2] - 31:1,
35:41
extreme [1] - 4:24
EY [1] - 18:34
EY's [1] - 19:13
F
face [2] - 23:10, 31:33
faces [1] - 23:5
facing [1] - 22:30
fact [4] - 30:32, 33:21,
37:37, 39:47
failed [3] - 23:40,
34:15
failure [1] - 41:8
failures [2] - 24:31,
41:7
Fair [1] - 10:6
fair [3] - 12:1, 17:3,
17:33
families [1] - 3:31
Family [1] - 5:2
far [3] - 7:18, 7:29,
18:8
farewell [1] - 33:16
fast [1] - 23:30
February [10] - 7:34,
15:42, 16:37, 20:41,
24:6, 33:40, 34:11,
37:24, 38:21, 38:28
Federal [1] - 40:29
fee [5] - 36:21, 38:2,
38:4, 38:5, 38:17
fees [39] - 9:44, 15:23,
15:29, 15:34, 15:38,
26:10, 26:11, 26:16,
26:20, 26:23, 26:26,
29:29, 29:30, 29:31,
35:15, 35:21, 36:28,
36:42, 36:46, 37:28,
37:32, 37:37, 37:39,
37:40, 38:10, 38:13,
38:30, 39:4, 39:11,
39:19, 39:27, 39:42,
39:47, 40:11, 40:13,
40:19, 40:30, 40:41
fewer [1] - 27:29
Fifthly [1] - 14:26
fifthly [3] - 16:32,
25:8, 33:40
figures [2] - 36:16,
36:30
file [1] - 13:24
filling [1] - 33:36
finally [3] - 25:14,
25:42, 30:26
finance [1] - 32:8
Finance [3] - 1:3, 1:5,
41:38
finances [1] - 35:3
Financial [3] - 16:47,
17:29, 32:41
financial [34] - 6:43,
9:47, 10:36, 10:37,
11:27, 11:32, 13:24,
17:8, 17:15, 17:16,
17:32, 17:33, 18:4,
18:35, 19:2, 19:22,
19:30, 19:32, 19:36,
19:37, 20:8, 20:16,
21:12, 23:41, 24:39,
25:9, 27:12, 27:19,
29:16, 30:24, 38:9,
39:21, 40:2
first [18] - 5:6, 9:2,
11:47, 13:36, 14:1,
16:20, 24:15, 24:42,
26:41, 29:42, 31:12,
33:10, 33:31, 38:16,
39:12, 39:29, 40:39,
42:5
firstly [1] - 32:1
fit [1] - 10:13
five [3] - 6:4, 9:13,
30:33
fix [1] - 23:30
fixing [1] - 39:4
flow [1] - 23:20
flow-on [1] - 23:20
focus [2] - 7:17, 40:41
focused [1] - 29:44
follow [1] - 25:27
followed [2] - 21:30,
39:13
following [13] - 3:29,
10:25, 18:30, 21:27,
23:14, 24:29, 33:5,
33:6, 36:37, 37:4,
38:37, 39:9, 39:34
follows [3] - 26:39,
29:16, 37:25
force [2] - 13:36,
32:21
Force [3] - 3:45, 4:45,
13:30
forces [2] - 4:3, 6:15
forensic [2] - 15:46,
18:18
foreshadowed [1] -
26:30
form [4] - 4:30, 5:7,
10:4, 10:6
formal [3] - 14:2,
38:34, 39:6
formally [1] - 32:7
formed [2] - 4:41, 5:41
former [4] - 3:44, 5:14,
5:15, 40:43
forms [1] - 18:45
four [1] - 38:44
fourthly [6] - 12:6,
14:21, 16:30, 25:4,
33:21, 33:39
fraud [1] - 8:46
fraudulent [1] - 34:13
Frequently [1] - 22:10
friend [2] - 2:4, 2:7
Front [1] - 3:30
fruition [1] - 20:45
full [3] - 20:39, 23:35,
25:43
full-time [1] - 20:39
fuller [1] - 33:24
fully [1] - 20:17
function [2] - 20:42,
22:41
fund [1] - 10:47
Fund [3] - 5:30, 7:35,
14:12
fundraise [3] - 10:3,
23:12, 30:32
fundraiser [2] - 10:18,
10:47
fundraisers [2] - 9:46,
11:40
Fundraising [12] - 3:2,
3:6, 9:5, 13:39, 16:5,
17:38, 18:45, 20:19,
20:41, 21:34, 24:24,
25:34
FUNDRAISING [1] -
1:12
fundraising [109] -
3:13, 5:23, 5:28,
5:35, 5:37, 5:39,
7:36, 8:32, 8:36, 9:6,
9:20, 9:25, 9:32,
9:34, 10:8, 10:14,
10:29, 10:31, 10:37,
10:39, 10:40, 11:26,
11:29, 11:31, 11:32,
11:42, 11:44, 12:2,
12:4, 13:4, 13:10,
13:43, 14:1, 14:28,
14:32, 14:34, 16:16,
16:32, 16:34, 16:43,
17:4, 17:6, 17:12,
17:17, 17:34, 17:41,
18:29, 18:42, 18:43,
19:3, 19:10, 20:1,
20:11, 20:12, 20:20,
20:33, 21:6, 21:9,
21:15, 22:2, 22:12,
22:15, 22:28, 22:39,
23:6, 23:8, 23:18,
23:28, 23:33, 24:16,
24:26, 24:33, 24:43,
24:46, 25:2, 25:5,
25:9, 25:12, 25:16,
25:37, 25:47, 26:34,
26:39, 26:44, 27:2,
27:7, 27:14, 27:16,
27:34, 27:40, 27:43,
28:12, 29:6, 29:18,
29:34, 29:37, 29:43,
30:1, 30:19, 30:24,
30:38, 31:1, 31:8,
35:1, 37:45, 40:24,
41:4, 41:28
Fundraising" [1] -
21:22
funds [29] - 7:32, 8:7,
8:9, 8:25, 8:31, 8:40,
9:12, 9:13, 10:19,
10:32, 12:20, 12:35,
14:26, 16:28, 18:28,
19:23, 19:24, 20:25,
20:26, 20:34, 21:15,
27:2, 28:17, 28:22,
28:26, 28:27, 28:43,
29:45, 40:32
funds" [1] - 24:9
furtherance [1] -
38:41
furthermore [1] -
25:36
future [4] - 28:8,
28:11, 30:9, 31:8
G
gain [3] - 8:42, 36:25,
38:44
Gallipoli [1] - 3:30
gather [1] - 13:26
.05/09/2017 (1)
Transcript produced by DTI
6
General [1] - 6:41
general [15] - 11:13,
14:15, 14:19, 14:35,
18:38, 19:1, 19:6,
19:21, 26:47, 28:27,
28:33, 28:37, 32:13,
40:3
generally [6] - 9:29,
10:8, 11:7, 13:5,
18:39, 40:3
generated [2] - 14:26,
20:6
generously [1] - 9:29
given [7] - 6:36, 27:39,
32:36, 33:11, 36:5,
37:36, 41:19
Glenn [1] - 15:26
glover [1] - 2:7
golf [1] - 14:29
governance [3] -
13:16, 16:26, 22:23
governing [8] - 3:11,
11:1, 12:13, 16:24,
27:30, 30:27, 31:16,
31:39
government [1] - 4:46
Graham [1] - 36:2
grant [2] - 10:11, 16:4
Grant [6] - 17:24,
24:6, 24:11, 24:23,
25:23, 34:3
granted [5] - 6:26,
9:17, 10:17, 25:39,
29:45
granting [1] - 41:27
grants [1] - 6:11
grateful [1] - 37:12
great [1] - 12:23
Great [1] - 3:31
greater [3] - 3:29,
31:35, 35:36
Griffith [1] - 24:2
grips [1] - 23:4
gross [6] - 9:46,
10:29, 11:25, 11:32,
11:44, 25:4
ground [1] - 16:33
grounds [1] - 33:18
groups [1] - 14:36
guarantee [1] - 5:42
guidance [2] - 10:7,
22:11
Guideline [1] - 41:31
Guidelines [1] - 34:37
guidelines [2] - 40:37,
41:39
H
Haines [1] - 2:39
half [1] - 39:29
hand [1] - 40:5
handled [1] - 35:12
happy [1] - 36:24
hard [1] - 23:16
Hardman [1] - 2:34
health [5] - 15:15,
33:11, 33:13, 33:19,
33:28
hear [5] - 32:23,
40:33, 40:42, 40:46,
41:11
heard [1] - 7:19
Hearing [1] - 1:16
hearings [3] - 40:40,
41:33, 41:46
Held [1] - 1:19
held [3] - 14:31, 16:16,
16:43
Heroes [5] - 7:25,
7:32, 7:36, 14:12,
25:38
HERZFELD [1] - 2:9
Herzfeld [1] - 2:9
hobby [1] - 38:42
HODGES [1] - 2:39
Hodges [1] - 2:39
HOGAN [1] - 2:6
HOGAN-DORAN [1] -
2:6
hold [1] - 26:14
holding [1] - 8:18
Holman [1] - 25:29
home [4] - 5:45, 6:27,
6:47, 35:45
homeless [2] - 7:26,
7:29
homes [1] - 7:20
Homes [5] - 7:24,
7:32, 7:36, 14:11,
25:37
Hon [1] - 1:31
honesty [1] - 35:8
honorary [1] - 4:4
Honorary [4] - 15:4,
15:18, 33:35, 37:3
Honourable [1] - 2:46
hostel [1] - 6:47
hours [1] - 39:12
Human [1] - 36:20
Humphreys [1] - 2:32
I
identifiable [1] - 28:31
identification [1] -
10:27
identified [6] - 23:6,
26:41, 29:39, 31:3,
38:12, 40:20
identify [6] - 10:46,
19:25, 20:24, 23:22,
27:5, 31:2
ignorance [1] - 41:20
ignored [1] - 13:41
ill [5] - 15:15, 33:11,
33:13, 33:18, 33:28
immediate [2] - 19:29,
33:14
immediately [7] -
10:29, 12:14, 15:11,
21:40, 22:1, 33:7,
33:22
impediment [1] -
39:36
Imperial [2] - 3:28,
5:32
implement [1] - 32:15
implementation [1] -
22:12
implications [1] -
23:19
important [3] - 9:19,
33:26, 34:47
importantly [2] -
18:19, 20:8
imposed [6] - 10:17,
10:19, 28:25, 28:42,
30:35, 41:25
improper [1] - 41:16
improperly [1] - 8:43
improve [2] - 35:44,
41:12
in-home [1] - 5:45
inability [1] - 5:16
inadequacy [1] -
32:13
include [10] - 10:25,
10:38, 17:18, 27:12,
27:20, 29:17, 30:3,
34:26, 34:35, 40:11
included [8] - 16:47,
18:26, 21:27, 22:9,
23:14, 32:46, 36:30,
38:10
includes [3] - 9:37,
9:39, 9:40
including [22] - 3:11,
7:5, 7:9, 9:43, 10:42,
13:1, 14:2, 14:28,
19:14, 19:38, 19:42,
19:47, 22:34, 26:5,
27:35, 29:24, 30:19,
30:23, 31:1, 40:21,
41:32, 41:42
inclusion [1] - 23:41
inclusive [1] - 17:30
income [16] - 7:47,
8:17, 10:38, 11:28,
11:32, 17:3, 18:41,
18:46, 20:10, 20:11,
20:13, 20:32, 24:42,
25:4, 35:17
inconsistent [1] -
16:29
inconsistently [1] -
40:23
incorporated [2] -
3:47, 32:30
increase [2] - 36:41,
38:30
incurred [1] - 19:7
incurring [1] - 31:34
indeed [14] - 6:3, 13:4,
20:21, 26:10, 29:27,
29:31, 30:36, 31:18,
32:35, 33:15, 33:27,
35:21, 42:11
Indeed [1] - 13:30
independent [2] -
16:9, 27:33
independently [3] -
7:1, 8:6, 11:41
indicates [1] - 16:33
indicating [3] - 16:3,
19:29, 23:38
indication [1] - 23:47
individual [4] - 4:4,
22:25, 35:30, 38:43
individuals [5] - 3:37,
14:22, 19:12, 30:30,
40:35
information [7] -
13:27, 16:38, 17:17,
19:41, 19:43, 21:9,
27:39
informed [4] - 25:22,
25:36, 25:46, 34:6
inherent [1] - 18:32
Innovation [4] - 1:3,
1:5, 2:45, 41:38
input [1] - 35:37
inquire [1] - 3:10
Inquirer [6] - 1:30, 2:3,
2:6, 2:34, 2:43, 2:47
inquirer [5] - 3:8,
12:41, 16:12, 41:30,
42:2
INQUIRER [14] - 2:1,
2:41, 12:28, 12:34,
12:43, 28:20, 28:36,
28:42, 29:2, 29:12,
42:4, 42:9, 42:13,
42:17
inquiries [2] - 12:46,
36:15
Inquiries [1] - 3:6
Inquiry [25] - 2:31, 3:7,
3:10, 15:47, 16:2,
16:4, 16:9, 16:10,
16:12, 16:19, 16:39,
19:17, 21:1, 21:23,
22:7, 22:32, 22:38,
22:40, 23:38, 25:22,
25:36, 25:43, 25:46,
26:30, 41:37
inquiry [21] - 3:1, 3:8,
10:25, 12:47, 13:22,
13:32, 14:33, 14:39,
15:14, 16:44, 17:23,
18:2, 29:41, 30:3,
39:9, 39:35, 40:40,
41:5, 41:32, 41:39
INQUIRY [2] - 1:12,
42:19
Inquiry" [1] - 20:36
Inquiry's [7] - 18:10,
20:28, 21:14, 21:19,
23:47, 24:30, 40:21
insofar [1] - 23:41
inspector [2] - 2:47,
16:14
instance [1] - 35:27
instead [2] - 26:46,
37:18
Institution [2] - 2:10,
3:17
instructed [1] - 19:36
insufficient [1] - 8:16
insurance [1] - 23:20
intended [6] - 9:30,
24:20, 30:11, 30:22,
35:5, 41:16
intends [1] - 20:22
interest [14] - 4:41,
11:5, 11:7, 11:9,
13:2, 16:24, 16:30,
26:4, 27:27, 29:24,
29:25, 30:27, 37:42,
37:46
interested [1] - 37:31
interests [3] - 11:8,
16:23, 26:6
internal [1] - 39:10
interrupt [1] - 29:12
interview [1] - 22:27
interviewed [1] -
22:18
introduced [4] - 9:11,
11:39, 12:30, 12:41
introducing [1] - 9:24
inventory [1] - 19:47
investigation [5] -
13:31, 20:46, 21:23,
22:33, 33:24
.05/09/2017 (1)
Transcript produced by DTI
7
investigations [3] -
18:10, 40:21, 40:26
investigative [2] -
16:3, 16:6
investments [1] - 8:19
invited [2] - 40:27,
41:21
involved [1] - 30:30
involvement [1] -
26:24
involves [1] - 31:33
Island [1] - 6:8
isolated [1] - 25:38
issue [9] - 21:44,
23:24, 26:19, 32:11,
33:29, 39:1, 39:41,
39:44, 41:3
issued [5] - 7:41,
10:28, 18:14, 21:20,
23:8
issues [13] - 15:35,
22:36, 23:17, 23:23,
29:36, 30:3, 30:16,
33:26, 33:46, 34:25,
34:34, 34:47, 40:20
issuing [1] - 4:18
item [1] - 32:7
items [3] - 14:19,
31:30, 38:24
itself [1] - 22:34
J
JACOBS [1] - 2:29
Jacobs [1] - 2:29
James [5] - 2:29,
17:26, 21:20, 24:5,
36:2
January [4] - 33:40,
34:5, 34:6, 34:11
Jennifer [1] - 1:36
Jim [1] - 2:17
John [2] - 33:34,
36:43
jointly [1] - 10:40
July [15] - 16:14,
19:18, 19:28, 20:29,
20:31, 20:45, 21:19,
21:42, 23:38, 24:31,
36:19, 36:40, 39:11,
39:20, 39:21
June [6] - 18:13,
25:25, 26:31, 39:20,
39:23, 39:31
justification [1] -
34:39
justify [2] - 8:17, 34:8
K
K9 [1] - 14:11
Kean [1] - 2:46
keep [1] - 9:20
keeping [3] - 25:17,
30:22, 31:4
Kells [2] - 36:2, 38:3
Kendalls [1] - 17:23
kept [4] - 6:34, 12:3,
17:37, 28:34
key [1] - 9:9
KING [1] - 2:37
King [1] - 2:37
knowledge [3] - 23:8,
34:27, 34:29
known [5] - 3:18, 3:26,
7:24, 18:34, 27:39
Kolomeitz [1] - 15:26
L
lack [3] - 8:45, 29:9,
34:14
land [1] - 6:26
large [2] - 32:46,
33:27
last [3] - 8:23, 13:31,
37:7
late [3] - 6:10, 13:31,
36:3
law [1] - 29:46
lawful [1] - 10:32
laws [1] - 7:47
lawyers [11] - 19:29,
19:31, 20:15, 20:22,
20:29, 20:35, 20:38,
21:1, 21:18, 23:45,
24:4
Lawyers [1] - 25:30
lax [1] - 31:27
leadership [1] - 15:1
League [5] - 3:15,
3:25, 3:28, 5:32,
14:6
League" [1] - 21:26
League' [1] - 3:26
leaked [1] - 15:34
learned [2] - 2:4, 2:7
least [13] - 5:37,
10:31, 11:1, 11:25,
23:40, 25:14, 26:22,
27:27, 27:35, 29:25,
31:40, 32:36, 40:7
led [3] - 8:20, 29:41,
41:7
ledger [4] - 18:38,
19:1, 19:6, 19:21
left [2] - 31:46, 32:28
Legal [1] - 33:35
legal [7] - 4:21, 7:40,
8:1, 15:27, 21:39,
23:19, 39:35
legislation [3] - 13:7,
19:19, 23:13
legislative [2] - 8:34,
29:34
less [1] - 7:18
letter [13] - 18:18,
18:21, 18:26, 20:29,
20:31, 21:2, 21:19,
23:47, 24:4, 24:30,
26:18, 33:17, 36:19
Level [1] - 1:20
level [5] - 4:33, 15:22,
15:25, 24:7, 39:4
levels [2] - 14:34,
36:21
liabilities [1] - 11:30
Liberal [2] - 40:30,
40:32
licensing [1] - 7:47
LifeCare [83] - 2:7,
3:19, 3:20, 5:41, 6:2,
6:5, 6:7, 6:10, 6:13,
6:16, 6:23, 6:28,
6:40, 7:4, 7:15, 7:20,
7:24, 7:37, 8:29,
13:35, 14:12, 14:31,
14:44, 15:3, 15:5,
15:24, 15:28, 15:30,
16:15, 16:42, 17:8,
18:1, 23:38, 23:46,
24:15, 24:29, 24:34,
24:37, 25:21, 25:29,
25:36, 25:42, 25:45,
26:1, 26:9, 26:18,
26:21, 29:14, 29:30,
35:16, 35:23, 35:25,
35:32, 35:35, 35:40,
36:7, 36:14, 36:37,
36:44, 37:2, 37:44,
38:9, 38:32, 38:38,
39:10, 39:31, 39:41,
40:1, 40:12, 40:15,
40:16, 40:18, 40:22,
40:27, 40:31, 40:34,
40:41, 40:44, 41:6,
42:9
LifeCare's [6] - 7:8,
24:8, 24:25, 24:35,
26:29, 37:43
likely [7] - 9:28, 10:24,
11:19, 18:23, 30:43,
39:43, 41:21
Limbless [1] - 5:33
limitations [2] - 16:3,
18:33
Limited [6] - 2:7, 3:19,
3:26, 5:42, 17:24,
36:44
limited [4] - 4:2, 5:15,
5:42, 19:5
line [1] - 32:7
link [4] - 7:15, 19:9,
21:5, 41:46
links [2] - 20:32, 20:44
list [1] - 19:13
live [1] - 41:46
living [3] - 5:43, 7:1,
35:39
local [1] - 40:28
lodge [2] - 11:24,
17:12
Longley [2] - 2:18,
36:2
look [2] - 16:1, 36:10
looked [1] - 12:36
looking [1] - 8:26
loss [1] - 17:19
LPI [1] - 1:20
Ltd [1] - 36:20
M
Macri [4] - 2:37, 35:40,
35:46, 38:3
Madam [2] - 2:43, 2:47
madam [6] - 2:3, 2:6,
2:34, 12:41, 41:30,
42:1
magazine [1] - 33:40
Magee [1] - 36:3
main [1] - 5:29
maintain [2] - 13:17,
13:23
maintained [1] - 10:35
maintenance [2] -
6:15, 6:21
makers" [1] - 22:25
manage [2] - 15:43,
19:47
management [6] - 8:3,
19:30, 19:32, 19:37,
20:9, 40:44
Management [1] -
15:43
Manager [2] - 20:41,
25:32
manages [1] - 35:3
managing [1] - 30:26
manner [2] - 18:27,
35:11
March [2] - 16:1, 33:43
marketing [1] - 20:42
material [1] - 10:9
matter [7] - 12:11,
12:12, 12:14, 12:18,
16:33, 21:35, 25:22
matters [12] - 3:12,
10:42, 11:34, 13:32,
16:1, 25:24, 25:46,
29:4, 30:13, 31:11,
33:31, 41:47
matters" [1] - 24:35
Matthew [1] - 2:46
meaning [1] - 18:44
means [1] - 9:23
measure [1] - 39:28
measures [2] - 41:11,
41:13
mechanism [3] - 11:8,
16:23, 26:3
mechanisms [3] -
22:24, 27:26, 29:23
media [2] - 15:35,
15:41
meeting [8] - 11:13,
21:42, 24:1, 33:5,
33:47, 34:6, 36:36,
37:7
meetings [4] - 31:31,
34:10, 39:6, 40:3
meets [2] - 4:8, 4:15
member [1] - 5:31
members [25] - 3:34,
3:44, 4:5, 4:36, 6:4,
9:46, 12:13, 14:26,
14:35, 23:3, 23:31,
25:40, 26:9, 26:19,
27:30, 29:27, 29:29,
32:43, 33:27, 36:24,
36:29, 40:27, 40:29,
40:30
membership [2] - 4:2,
9:44
mention [1] - 33:28
Mercer [5] - 36:20,
36:22, 36:26, 36:30,
36:38
metropolitan [1] -
4:28
middle [3] - 15:25,
32:40, 39:43
might [1] - 22:4
military [1] - 14:18
million [4] - 7:4, 7:5,
7:8, 7:9
million) [2] - 7:6, 7:10
MILNER [1] - 2:20
Milner [1] - 2:20
mingling [1] - 21:14
minimised [1] - 31:21
Minister [18] - 2:45,
10:11, 11:18, 11:24,
12:14, 12:19, 12:25,
13:1, 16:3, 16:8,
.05/09/2017 (1)
Transcript produced by DTI
8
16:20, 16:34, 16:37,
17:13, 26:14, 27:17,
31:7, 41:23
minister [1] - 10:16
Minister's [2] - 12:46,
12:47
minutes [1] - 36:36
misappropriated [1] -
9:23
misconduct [2] - 28:1,
28:5
mismanagement [3] -
8:46, 28:1, 28:5
mission [1] - 4:43
mix [1] - 3:38
mobile [1] - 32:46
moment [1] - 29:7
Monday [1] - 21:42
money [6] - 9:35,
10:25, 12:4, 13:44,
23:27
moneys [2] - 9:22,
28:37
monies [2] - 17:41,
21:15
monitor [1] - 13:27
monitored [1] - 30:13
monthly [2] - 32:7,
33:37
months [3] - 4:8, 4:15,
32:43
most [7] - 4:21, 12:18,
20:1, 20:18, 20:35,
29:46, 37:35
move [1] - 14:39
MP [1] - 2:46
MR [24] - 2:3, 2:9,
2:13, 2:15, 2:17,
2:20, 2:23, 2:26,
2:29, 2:31, 2:34,
2:39, 2:43, 12:32,
12:40, 12:45, 28:30,
28:40, 28:47, 29:4,
29:14, 42:7, 42:11,
42:15
MS [2] - 2:6, 2:37
Mulliner [2] - 32:40,
32:45
multiple [1] - 4:13
must [23] - 6:4, 10:4,
10:25, 10:27, 10:28,
10:30, 10:31, 10:33,
10:35, 10:38, 10:41,
10:46, 10:47, 11:8,
11:11, 11:13, 11:24,
11:28, 11:47, 12:14,
27:47, 28:44
N
name [11] - 2:9, 2:17,
2:20, 2:23, 2:26,
2:29, 2:31, 2:35,
8:23, 8:27, 14:45
names [1] - 5:23
Narrabeen [4] - 6:9,
6:26, 6:46
national [3] - 4:39,
13:15, 22:18
National [6] - 3:34,
3:42, 3:43, 4:39,
5:13, 15:46
National' [1] - 3:27
nature [2] - 18:22,
40:19
nearly [2] - 4:36, 7:13
necessary [3] - 3:22,
13:27, 22:29
necessitous [1] - 5:11
need [10] - 3:29, 4:46,
23:34, 27:47, 28:18,
29:46, 30:31, 34:1,
34:31, 35:36
needed [3] - 13:36,
28:30, 38:33
needs [3] - 23:32,
31:20, 35:1
net [6] - 7:4, 7:5, 7:8,
7:9, 11:25, 30:21
never [1] - 32:30
new [15] - 8:1, 9:9,
19:32, 19:34, 19:36,
20:8, 20:16, 20:23,
21:20, 21:24, 24:29,
25:31, 25:45, 37:29,
39:14
New [41] - 1:23, 3:16,
3:41, 4:10, 4:19, 5:2,
5:5, 5:9, 5:24, 5:44,
6:28, 8:40, 10:5,
13:9, 14:42, 14:44,
15:4, 15:10, 15:19,
27:41, 28:34, 29:5,
31:15, 31:29, 31:33,
32:3, 32:25, 32:41,
33:1, 33:26, 33:35,
33:42, 34:35, 34:42,
35:16, 35:23, 35:34,
39:42, 40:5, 40:16,
41:37
newsletter [1] - 33:38
nine [3] - 4:28, 6:4,
39:22
nominated [1] - 8:44
nominating [1] - 14:27
non [22] - 4:40, 6:18,
6:39, 12:26, 18:6,
18:8, 21:39, 25:21,
25:46, 26:22, 26:26,
26:38, 29:15, 29:34,
29:38, 30:4, 30:6,
30:17, 30:29, 36:31,
41:19
non-compliance [17] -
12:26, 18:6, 18:8,
21:39, 25:21, 25:46,
26:22, 26:26, 26:38,
29:15, 29:34, 29:38,
30:4, 30:6, 30:17,
30:29, 41:19
non-executive [1] -
36:31
non-political [1] - 4:40
non-sectarian [1] -
4:40
non-veterans [2] -
6:18, 6:39
none [1] - 17:15
not-for-profit [5] -
5:46, 13:17, 13:18,
36:23, 36:32
Not-for-Profits [2] -
13:12, 13:14
not-or-profit [1] - 5:4
note [4] - 12:11,
38:10, 38:11, 40:1
Note [1] - 1:2
noted [1] - 37:24
nothing [1] - 8:44
notice [4] - 12:12,
21:47, 22:40, 33:15
noticed [1] - 32:46
notices [1] - 25:39
Notices [1] - 18:14
noting [1] - 19:19
notion [1] - 9:11
notwithstanding [4] -
8:8, 20:30, 26:15,
36:29
November [11] - 5:26,
15:9, 26:6, 31:40,
32:18, 32:37, 32:40,
33:3, 33:33, 37:23,
39:26
NSW [56] - 3:17, 4:2,
4:7, 4:18, 4:23, 4:27,
4:30, 4:37, 4:39,
5:13, 5:29, 5:30,
5:33, 5:34, 5:38, 6:1,
6:2, 7:41, 7:42, 8:20,
13:30, 13:35, 14:6,
14:31, 15:3, 15:7,
15:41, 15:44, 15:46,
16:15, 16:42, 17:8,
17:24, 18:1, 18:16,
18:21, 18:28, 18:35,
19:18, 21:18, 21:20,
21:21, 21:25, 21:31,
21:35, 21:36, 21:43,
22:14, 22:27, 22:33,
23:1, 25:42, 26:37,
27:19, 37:3, 41:5
NSW) [5] - 2:13, 5:22,
6:5, 14:13, 21:34
NSW)'s [1] - 4:43
NSW-Vic [1] - 17:24
number [5] - 6:17,
21:29, 38:33, 38:36,
39:29
nursing [1] - 6:47
O
O'DONOVAN [1] -
2:15
o'Donovan [1] - 2:15
objects [6] - 3:43, 5:9,
5:13, 5:15, 10:26,
14:23
obligation [1] - 40:15
obligations [6] -
16:29, 20:18, 21:33,
21:39, 30:35, 30:42
obtain [3] - 10:3,
30:37, 38:34
obtained [2] - 16:38,
37:22
obtaining [2] - 10:7,
19:32
obvious [2] - 8:41,
31:20
occasion [1] - 22:21
occasions [1] - 4:13
occupied [1] - 7:21
occur [2] - 14:1, 37:17
occurred [1] - 31:47
occurring [1] - 22:13
October [4] - 15:32,
36:14, 37:15, 38:28
offered [2] - 6:39,
25:42
office [4] - 14:42,
26:14, 33:14, 35:22
Office [1] - 8:15
officer [5] - 11:11,
11:34, 23:42, 27:23,
29:20
Officer [6] - 15:7,
15:26, 32:13, 32:41,
33:32, 36:15
Officer's [2] - 17:1,
26:33
officer's [2] - 17:10,
25:8
officers [2] - 3:12,
11:6
officers' [1] - 30:25
official [1] - 6:2
once [1] - 4:8
one [8] - 3:41, 5:12,
11:39, 14:5, 23:5,
38:34, 38:37, 38:38
one-off [1] - 14:5
ongoing [7] - 7:38,
14:9, 14:15, 20:47,
25:34, 29:7, 31:6
onwards [1] - 6:10
open [1] - 6:18
opening [1] - 42:1
operate [3] - 8:3, 8:5,
10:20
operated [4] - 3:46,
7:45, 14:12, 14:17
operates [1] - 5:43
operating [2] - 7:11,
35:45
Operation [1] - 14:11
operation [6] - 5:18,
7:42, 8:39, 13:21,
19:33, 19:34
operational [1] - 5:21
operations [4] - 8:14,
9:21, 21:26, 23:21
opposed [1] - 11:19
options [1] - 36:10
order [11] - 6:18, 6:29,
7:35, 8:21, 10:3,
11:7, 12:46, 13:17,
35:44, 36:45, 37:16
ordinary [2] - 35:24,
40:14
organisation [31] -
4:32, 4:40, 5:31,
5:46, 9:15, 9:37,
9:45, 10:4, 10:47,
11:14, 11:17, 11:27,
12:7, 13:4, 14:45,
16:1, 22:20, 22:23,
22:30, 22:35, 23:4,
27:23, 28:26, 28:43,
29:21, 35:2, 35:3,
36:28, 37:10, 40:24,
41:12
organisation's [3] -
10:36, 19:40, 19:46
organisations [31] -
5:19, 7:33, 8:25,
8:30, 9:31, 14:18,
14:22, 14:24, 14:40,
15:1, 15:11, 16:10,
16:21, 16:28, 16:29,
16:35, 17:16, 18:6,
18:19, 29:35, 29:43,
30:5, 30:7, 30:31,
30:47, 31:9, 36:23,
36:26, 36:32, 36:34,
.05/09/2017 (1)
Transcript produced by DTI
9
41:5
organisations' [1] -
16:32
organised [1] - 40:28
original [1] - 6:13
otherwise [4] - 3:26,
8:10, 11:15, 34:37
ought [1] - 17:9
outcomes [1] - 19:38
outgrown [1] - 22:23
outlined [1] - 28:16
outright [1] - 8:46
outside [2] - 6:38,
34:36
overall [2] - 7:13,
25:30
oversight [1] - 31:41
overview [1] - 3:24
Owen [1] - 36:3
own [6] - 5:39, 26:20,
26:25, 29:28, 37:43,
38:30
P
paid [22] - 10:30,
26:45, 28:23, 31:17,
32:3, 32:46, 34:35,
35:24, 35:28, 35:29,
35:42, 35:47, 36:9,
36:29, 36:46, 37:11,
37:39, 39:19, 39:34,
39:47, 40:31
paper [1] - 38:24
Parliament [2] - 9:24,
40:29
part [8] - 3:25, 4:32,
6:26, 9:39, 13:45,
18:5, 38:22, 40:39
partial [1] - 23:46
participants [1] -
27:36
participation [1] -
27:32
particular [12] - 5:25,
8:18, 10:12, 10:24,
12:35, 17:18, 19:10,
19:26, 20:33, 21:10,
27:7, 31:26
particularly [1] - 14:16
particulars [1] - 10:38
parties [1] - 33:2
partners [1] - 17:25
Party [2] - 40:30,
40:32
passed [1] - 21:43
past [1] - 29:8
patient [1] - 23:34
patriotic [1] - 9:41
pay [5] - 28:26, 28:37,
34:20, 36:23, 40:35
payer [1] - 38:38
paying [2] - 33:1,
36:10
payment [8] - 15:37,
31:25, 35:15, 38:23,
38:39, 40:11, 40:41,
40:46
payments [7] - 15:23,
37:19, 39:26, 39:32,
39:33, 39:45, 40:43
payroll [1] - 19:34
pays [1] - 28:43
peculiarity [1] - 5:12
pecuniary [4] - 11:8,
16:23, 26:5, 29:24
pension [1] - 5:10
people [2] - 6:42,
35:37
per [7] - 7:2, 7:18,
7:20, 7:21, 36:42,
39:22, 39:24
percentage [1] - 7:17
performance [1] -
10:37
performed [1] - 34:3
perhaps [2] - 31:42,
37:35
period [17] - 4:4,
14:32, 14:34, 15:2,
16:14, 16:17, 16:44,
17:23, 18:2, 19:9,
24:13, 24:38, 32:6,
32:36, 33:15, 40:29,
41:7
periods [1] - 27:29
permanent [1] - 7:28
permission [1] - 25:39
permit [2] - 6:21,
37:16
permits [1] - 35:17
permitted [3] - 6:31,
28:36, 31:18
Perouse [1] - 6:8
Perrin [5] - 15:6,
32:12, 33:3, 33:32,
33:42
person [3] - 9:35,
9:37, 11:14
personal [1] - 34:20
personnel [2] - 4:45,
5:11
persons [10] - 6:22,
6:32, 6:33, 10:13,
11:2, 16:27, 35:18,
35:33, 37:27, 37:31
persons" [2] - 6:24,
6:40
pertain [1] - 28:38
Peter [2] - 2:26, 33:38
philanthropic [1] -
9:41
PHILLIPS [1] - 2:31
Phillips [1] - 2:32
pivotal [2] - 4:32,
12:37
place [13] - 12:22,
26:3, 27:26, 29:23,
30:8, 30:12, 31:25,
31:30, 31:42, 34:43,
35:6, 39:38, 41:12
planned [1] - 19:34
pocket [1] - 32:2
Police [1] - 13:30
policies [1] - 32:30
policy [2] - 31:39,
32:18
political [2] - 4:40,
40:22
Poppy [4] - 5:26, 14:3,
14:5, 20:2
popularity [1] - 8:28
portrayed [1] - 15:15
position [12] - 10:36,
13:37, 13:39, 26:37,
28:36, 29:15, 29:33,
30:40, 33:23, 33:36,
35:22, 40:23
positions [2] - 15:1,
15:10
positive [1] - 20:34
possible [7] - 19:25,
20:36, 21:5, 21:38,
23:31, 27:5, 28:33
Postwar [1] - 14:10
potential [1] - 31:19
potentially [1] - 19:5
power [1] - 12:46
powers [5] - 12:47,
13:26, 16:4, 16:5,
28:6
practically [1] - 8:44
practice [1] - 38:19
practices [1] - 22:44
precautionary [1] -
39:27
preeminent [1] - 5:1
premises [1] - 7:46
prepare [1] - 25:23
prepared [1] - 24:5
present [3] - 12:46,
30:17, 37:38
presented [2] - 33:31,
34:4
president [1] - 11:34
President [25] - 3:34,
3:36, 4:9, 4:14, 5:5,
6:1, 15:2, 15:9,
21:20, 22:21, 23:1,
23:2, 31:13, 31:26,
31:29, 31:32, 31:39,
32:11, 32:29, 32:34,
33:37, 33:38, 33:42,
35:33
President's [3] -
23:14, 32:18, 34:37
Presidents [3] - 3:36,
4:15, 31:44
prevent [2] - 28:10,
34:43
prevents [1] - 9:22
previous [4] - 23:7,
26:32, 31:43, 32:43
previously [3] - 7:45,
18:34, 26:30
PricewaterhouseCo
opers [4] - 8:13,
23:46, 33:34, 37:2
primary [1] - 11:39
prime [1] - 10:39
Prince [1] - 1:22
Principal [1] - 16:47
principal [2] - 11:34,
25:8
print [1] - 15:36
printing [1] - 38:24
priority [1] - 6:35
private [1] - 38:42
privilege [2] - 9:14,
29:44
problem [3] - 12:25,
33:22, 38:32
problems [7] - 20:47,
22:9, 22:22, 22:29,
31:3, 34:43, 34:45
procedures [2] -
21:30, 22:15
proceedings [4] - 1:7,
6:45, 7:19, 28:6
proceeds [7] - 10:30,
10:43, 19:4, 19:25,
26:44, 27:6, 30:21
process [10] - 9:22,
10:5, 19:31, 23:24,
25:31, 30:47, 37:43,
39:7, 39:16, 41:27
processes [1] - 22:45
produce [1] - 14:29
production [1] - 18:15
profit [11] - 5:4, 5:46,
7:4, 7:8, 13:17,
13:18, 17:19, 35:22,
36:23, 36:32, 38:44
Profits [2] - 13:12,
13:14
program [5] - 7:24,
7:27, 7:30, 25:38,
41:42
programs [2] - 14:9,
14:11
progressive [1] - 4:47
prohibited [3] - 1:7,
11:15, 36:11
prohibition [1] - 35:20
prohibits [2] - 31:15,
35:24
project [2] - 7:36, 7:38
promote [3] - 4:41,
4:46, 14:23
promoters' [1] - 8:42
promotes [1] - 13:15
proper [13] - 9:20,
10:13, 10:27, 10:32,
10:34, 25:18, 28:7,
30:13, 30:20, 30:22,
30:23, 33:15, 35:18
properly [9] - 9:27,
10:34, 12:3, 12:5,
17:37, 17:42, 24:17,
35:4, 35:6
property [6] - 9:35,
9:44, 28:8, 28:11,
35:17, 35:39
proposals [1] - 41:23
proposed [1] - 40:39
propriety [1] - 9:31
protect [3] - 13:17,
28:7, 28:17
provide [12] - 3:24,
4:43, 5:10, 5:17,
6:40, 7:25, 7:27,
10:4, 20:35, 24:7,
37:12, 38:34
provided [18] - 6:7,
6:32, 6:42, 17:29,
24:30, 25:26, 26:30,
27:17, 30:41, 32:2,
32:42, 35:19, 35:28,
36:21, 37:15, 38:14,
38:36, 40:12
provides [1] - 11:14
providing [6] - 3:43,
6:14, 13:14, 21:1,
22:10, 30:23
provision [2] - 18:15,
35:26
provisions [12] -
10:22, 11:4, 11:35,
12:22, 12:45, 13:40,
17:4, 23:40, 24:25,
27:42, 41:3, 41:6
Pty [2] - 17:24, 36:20
public [37] - 1:16, 3:8,
7:33, 8:26, 8:31, 9:7,
9:26, 9:27, 9:30,
10:20, 12:19, 12:20,
13:2, 13:18, 14:27,
14:35, 15:35, 15:40,
16:12, 23:35, 25:40,
.05/09/2017 (1)
Transcript produced by DTI
10
28:44, 29:45, 30:9,
31:7, 31:33, 33:27,
34:29, 34:32, 35:1,
35:2, 35:8, 40:39,
41:14, 41:33, 41:46
Public [1] - 1:30
PUBLIC [14] - 2:1,
2:41, 12:28, 12:34,
12:43, 28:20, 28:36,
28:42, 29:2, 29:12,
42:4, 42:9, 42:13,
42:17
published [4] - 23:2,
33:43, 41:30, 41:41
purchase [1] - 8:2
purely [1] - 8:42
purpose [12] - 1:6,
9:19, 9:38, 9:40,
9:41, 12:21, 13:46,
16:26, 18:36, 30:22,
41:16
Purpose [3] - 25:23,
25:25, 26:31
purposes [5] - 2:47,
8:9, 10:26, 24:21,
35:5
pursuant [1] - 41:31
pursuit [1] - 38:42
put [4] - 22:35, 30:7,
41:12, 41:16
Q
Queens [1] - 1:21
questioned [1] - 32:36
questions [8] - 15:18,
15:21, 15:33, 18:16,
30:40, 33:9, 35:10,
40:10
Questions [1] - 22:10
quorum [2] - 26:19,
29:27
R
radio [1] - 22:19
raffles [1] - 14:29
raise [6] - 8:25, 9:12,
9:13, 10:19, 28:20,
29:45
raised [15] - 7:32,
8:15, 8:31, 12:20,
12:21, 15:18, 15:21,
15:34, 19:10, 20:10,
20:28, 28:43, 32:11,
33:2, 39:42
raising [2] - 10:47,
18:46
ranges [1] - 36:33
RANKEN [1] - 2:34
ranken [1] - 2:35
ranks [1] - 35:35
rapidly [1] - 22:23
rates [1] - 31:30
rather [6] - 19:6,
31:41, 31:43, 34:13,
34:14, 41:34
ratification [2] - 26:8,
29:29
ratified [2] - 11:13,
32:8
re [1] - 4:13
re-elected [1] - 4:13
real [3] - 34:26, 34:30,
35:10
reason [5] - 15:14,
30:29, 34:26, 34:30,
38:35
reasonable [2] -
35:18, 38:44
reasons [5] - 30:5,
31:13, 34:26, 37:17,
38:37
reassure [1] - 41:13
receipt [4] - 15:29,
18:40, 26:15, 28:31
receipts [3] - 10:28,
11:42, 11:44
receive [6] - 23:27,
37:28, 38:4, 38:10,
38:17, 38:22
received [16] - 9:47,
11:25, 12:5, 17:41,
18:29, 20:25, 23:28,
24:15, 27:2, 28:13,
36:19, 38:5, 38:12,
38:15, 40:13, 40:43
receives [1] - 22:20
receiving [13] - 9:35,
11:16, 13:44, 25:40,
26:23, 30:20, 37:27,
37:32, 37:37, 38:29,
39:22, 39:24, 39:41
recent [2] - 7:26,
39:38
recently [3] - 23:3,
27:28, 29:25
recognised [3] - 5:1,
9:24, 37:42
recognition [1] - 3:29
recommendations [2]
- 16:39, 41:22
record [5] - 10:35,
19:41, 20:12, 31:4,
36:37
record-keeping [1] -
31:4
recorded [7] - 18:28,
21:24, 22:6, 22:13,
24:17, 38:6, 38:19
records [14] - 9:20,
10:35, 10:39, 10:44,
12:3, 13:24, 17:36,
18:35, 19:2, 20:47,
24:17, 25:9, 25:17,
30:22
recreational [1] -
38:42
recruiting [1] - 25:31
rectify [3] - 22:8, 30:7,
34:44
rectifying [1] - 30:46
recurring [1] - 14:2
refer [3] - 3:16, 3:18,
3:19
references [1] - 22:42
referred [6] - 5:21,
15:23, 21:22, 24:24,
28:16, 34:29
refining [1] - 38:1
refuse [2] - 10:11,
16:34
refused [1] - 32:38
regain [1] - 41:14
regard [2] - 12:30,
38:14
regarding [2] - 21:9,
21:14
regime [27] - 8:34, 9:9,
9:17, 9:24, 9:30,
10:22, 10:45, 12:16,
18:7, 24:32, 24:38,
25:47, 26:27, 26:34,
26:38, 27:37, 29:15,
30:5, 31:42, 31:43,
32:16, 38:2, 38:32,
41:4, 41:20, 41:24,
41:26
register [4] - 11:8,
16:22, 26:5, 29:24
Registered [1] - 8:2
registered [3] - 5:43,
13:23, 13:27
registration [2] - 9:10,
13:8
regularly [2] - 13:26,
13:37
regulated [1] - 8:1
regulates [1] - 7:42
Regulation [2] - 2:46,
12:6
regulation [3] - 8:38,
8:45, 9:2
regulations [5] -
12:10, 17:5, 20:19,
25:11, 30:36
Regulations [8] -
10:23, 11:35, 12:4,
17:39, 17:44, 24:25,
27:43, 41:25
regulators [1] - 23:22
regulatory [2] - 13:15,
22:46
rehabilitation [1] -
7:28
reimbursed [3] -
31:19, 31:47, 34:21
reimbursement [3] -
31:25, 32:1, 38:26
reintroduced [1] -
13:11
reiterate [1] - 41:43
rejected [1] - 37:18
related [3] - 14:19,
23:41, 29:36
relates [1] - 37:45
relating [2] - 3:13,
34:34
relation [23] - 10:7,
10:8, 11:41, 12:1,
13:4, 13:39, 15:33,
18:7, 19:30, 19:47,
24:32, 25:16, 27:13,
27:32, 28:33, 29:14,
29:17, 30:16, 35:11,
35:14, 35:38, 37:38,
41:32
relationship [1] -
14:41
relevance [1] - 10:24
relevant [16] - 10:46,
11:44, 12:13, 13:7,
17:25, 22:8, 22:45,
24:25, 24:38, 25:24,
30:3, 31:6, 32:6,
35:37, 35:45, 40:37
relevantly [3] - 20:18,
29:5, 40:29
remain [1] - 16:13
remainder [1] - 6:35
remained [1] - 17:25
remaining [2] - 37:35,
39:36
remedy [1] - 31:3
remedying [2] - 25:24,
26:31
reminder [1] - 23:7
remove [1] - 6:3
removed [2] - 7:42,
22:41
remunerated [1] -
11:6
remuneration [9] -
11:12, 11:13, 11:16,
35:18, 36:16, 36:23,
36:30, 36:33, 36:41
rendered [1] - 38:11
renewal [2] - 30:33,
41:27
renewed [1] - 9:12
repaid [1] - 34:22
replaced [2] - 9:4,
13:10
replacement [1] - 9:11
Report [2] - 23:1,
26:33
report [16] - 4:35,
6:41, 11:47, 12:14,
16:19, 16:37, 19:13,
23:14, 23:29, 25:15,
27:20, 29:19, 31:7,
33:43, 34:4, 36:38
reported [2] - 15:40,
23:2
reporting [6] - 11:22,
18:7, 18:9, 26:32,
30:23, 31:4
Reports [3] - 25:24,
25:25, 26:31
reports [17] - 4:35,
8:41, 10:44, 13:24,
17:29, 17:46, 20:5,
24:5, 24:7, 24:11,
24:23, 25:27, 27:13,
29:10, 29:17, 30:26,
36:33
representation [2] -
3:39, 13:45
representative [1] -
40:5
representatives [1] -
4:9
represented [2] -
10:26, 33:27
represents [2] - 9:37,
41:33
reproduction [1] - 1:4
request [2] - 34:22,
36:15
requested [2] - 36:43,
37:7
requests [3] - 9:44,
14:15
require [2] - 3:10,
16:19
required [9] - 10:20,
13:23, 16:37, 16:46,
17:13, 17:18, 22:15,
32:29, 32:30
requirement [7] -
11:10, 11:40, 12:17,
12:35, 28:24, 28:26,
30:37
requirements [8] -
11:22, 13:40, 18:7,
18:9, 19:19, 19:21,
21:33, 41:21
requirements" [1] -
22:46
.05/09/2017 (1)
Transcript produced by DTI
11
requires [3] - 9:19,
16:22, 37:41
requiring [1] - 18:15
requisite [5] - 27:20,
27:22, 27:29, 29:18,
29:19
RESERVED [1] - 1:1
reserved [1] - 1:2
residential [1] - 5:44
residents [6] - 6:46,
6:47, 7:1, 7:2, 7:12,
7:17
resign [3] - 33:10,
33:12, 34:8
resignation [12] -
15:12, 15:14, 15:17,
15:33, 31:12, 32:37,
33:16, 33:18, 33:21,
34:27, 34:28, 41:1
resigned [6] - 15:9,
15:21, 33:7, 33:13,
33:28, 34:7
resolution [2] - 21:44,
26:25
resolutions [3] -
26:20, 29:28, 37:39
resolved [5] - 22:7,
36:38, 37:25, 39:32,
39:36
Resource [1] - 36:20
respect [21] - 3:12,
8:27, 10:37, 11:26,
15:37, 16:15, 17:4,
17:17, 17:20, 18:27,
19:3, 20:28, 22:11,
24:35, 24:45, 31:20,
34:32, 37:3, 40:10,
40:11, 41:23
respected [1] - 5:1
respond [1] - 18:17
responded [1] - 19:28
response [5] - 19:17,
21:18, 23:46, 24:1,
24:30
result [3] - 8:5, 9:27,
19:37
resulted [1] - 7:47
resulting [2] - 11:30,
29:46
results [1] - 17:33
retain [1] - 8:7
retained [3] - 15:46,
18:19, 18:23
retainer [1] - 39:15
retirement [8] - 5:43,
7:2, 7:11, 8:28,
35:30, 35:37, 35:39,
35:45
return [1] - 3:32
Returned [5] - 3:15,
3:25, 3:28, 5:30,
5:32
returned [1] - 4:40
returning [1] - 3:30
returns [3] - 11:24,
17:12, 27:16
revealed [1] - 40:26
Reveille [1] - 33:40
revenue [1] - 26:47
review [5] - 8:14,
25:31, 36:43, 37:20,
39:10
reviewed [2] - 20:21,
22:44
reviewing [2] - 21:26,
34:14
revised [1] - 37:29
revisited [1] - 13:38
revoke [2] - 10:12,
16:34
Riddington [4] - 2:24,
35:40, 35:46, 38:3
rigorous [1] - 32:15
risk [1] - 25:30
Risk [1] - 25:32
Road [1] - 1:22
Rod [2] - 15:4, 17:2
role [5] - 12:29, 12:38,
31:33, 35:41, 38:22
Ron [3] - 2:21, 36:14,
42:7
Rowe [23] - 2:15, 15:2,
15:9, 15:17, 15:21,
17:1, 31:13, 31:29,
31:46, 32:10, 32:21,
32:28, 32:31, 33:6,
33:10, 33:28, 33:46,
34:7, 34:12, 34:15,
34:19, 34:22
Rowe's [18] - 15:14,
15:19, 15:33, 15:37,
32:13, 32:24, 32:33,
32:42, 32:45, 32:47,
34:2, 34:25, 34:27,
34:28, 34:34, 34:45,
35:11, 40:47
RSL [121] - 2:7, 2:10,
2:13, 3:17, 3:18,
3:19, 3:34, 3:41,
3:42, 3:43, 4:2, 4:7,
4:18, 4:23, 4:27,
4:30, 4:33, 4:37,
4:39, 4:43, 5:5, 5:13,
5:22, 5:23, 5:24,
5:29, 5:30, 5:38,
5:41, 6:1, 6:2, 6:5,
7:15, 7:33, 7:34,
7:41, 7:42, 7:45, 8:5,
8:6, 8:7, 8:20, 8:23,
10:18, 13:35, 14:6,
14:13, 14:31, 14:36,
14:42, 14:44, 14:45,
15:3, 15:4, 15:7,
15:10, 15:19, 15:41,
15:44, 15:46, 16:1,
16:15, 16:42, 17:8,
18:1, 18:16, 18:21,
18:28, 18:35, 19:18,
20:1, 21:18, 21:20,
21:21, 21:25, 21:31,
21:35, 21:36, 21:43,
22:14, 22:27, 22:33,
23:1, 24:34, 24:35,
25:42, 26:37, 27:19,
27:41, 28:34, 29:5,
31:15, 31:29, 31:33,
31:34, 32:3, 32:25,
32:41, 33:1, 33:26,
33:33, 33:35, 33:42,
34:35, 34:42, 35:16,
35:23, 35:34, 36:44,
37:3, 39:42, 40:5,
40:16, 40:22, 41:5
Rules [1] - 5:8
running [1] - 7:38
S
safeguarded [1] -
10:29
Sailors [1] - 3:28
Sailors' [1] - 5:34
sale [2] - 8:8, 14:18
satisfied [5] - 10:12,
10:16, 12:9, 12:19,
28:4
save [2] - 19:5, 25:38
SC [5] - 1:31, 1:35,
2:3, 2:6, 2:31
scale [2] - 22:22, 23:5
scheme [1] - 29:35
scope [3] - 8:41,
11:19, 18:22
secondly [8] - 12:2,
14:9, 16:24, 24:19,
24:45, 27:2, 32:2,
33:33
Secretary [2] - 5:6,
15:6
sectarian [1] - 4:40
section [6] - 3:1,
11:14, 11:19, 18:14,
18:44, 41:31
sector" [1] - 13:19
secure [1] - 28:7
see [1] - 29:2
seek [5] - 6:29, 11:6,
20:22, 37:8, 40:16
seeking [5] - 6:37,
16:4, 19:9, 30:20,
33:33
segregate [1] - 20:10
self [2] - 14:2, 26:24
self-contained [1] -
14:2
self-evidently [1] -
26:24
sell [1] - 29:33
senior [1] - 14:42
Senior [2] - 33:35,
37:3
separate [11] - 5:31,
7:40, 8:1, 14:40,
18:36, 24:1, 26:45,
28:22, 28:25, 28:44,
35:27
separately [1] - 4:20
separating [1] - 20:42
SEPTEMBER [1] -
42:20
September [12] - 1:27,
11:43, 15:32, 19:35,
25:45, 26:29, 37:1,
40:40, 41:34, 41:35,
41:44, 42:5
serious [5] - 12:25,
15:36, 20:30, 25:22,
29:47
seriously [1] - 21:36
serve [1] - 4:12
served [3] - 4:3, 6:15,
18:13
serves [1] - 9:19
service [2] - 5:10
servicemen [5] - 4:41,
4:42, 5:14, 5:15,
5:17
Services [8] - 1:3, 1:5,
3:15, 3:25, 5:30,
7:34, 37:37, 41:38
services [18] - 5:22,
5:44, 5:45, 6:7, 7:28,
11:6, 31:17, 35:19,
35:25, 35:27, 35:28,
36:5, 37:11, 37:19,
38:11, 38:14, 40:12,
40:14
services" [2] - 38:4,
38:7
serving [5] - 3:44,
4:44, 4:45, 22:27,
40:18
set [2] - 8:2, 22:24
setting [3] - 6:41,
10:41, 24:33
seven [1] - 39:22
several [4] - 14:1,
14:34, 25:14, 33:9
sharp [1] - 13:38
sheet [3] - 11:30,
17:19, 24:45
Sheridan [3] - 17:26,
17:28, 17:47
short [1] - 7:27
short-stay [1] - 7:27
shortly [1] - 15:16
show [1] - 12:1
showed [1] - 17:32
showing [1] - 11:25
shows [1] - 19:7
sides [1] - 18:40
sign [1] - 32:29
signed [1] - 26:35
significant [9] - 7:46,
8:7, 8:18, 8:19, 8:25,
11:22, 12:18, 18:26,
20:1
significantly [2] -
19:37, 31:35
similar [3] - 11:6,
11:10, 25:27
simply [2] - 30:37,
31:42
single [2] - 2:4, 38:18
Single [1] - 1:36
site [2] - 6:9, 41:40
situation [2] - 30:7,
41:12
skill [1] - 22:24
skills [2] - 35:37,
35:44
small [1] - 9:46
smaller [1] - 23:10
so" [1] - 39:36
software [1] - 19:32
Soldiers [3] - 3:28,
5:32, 5:33
Soldiers' [1] - 5:34
solicitation [1] - 22:42
soliciting [2] - 9:34,
13:44
solicitors [3] - 25:45,
26:18, 26:29
solvency [1] - 12:7
someone [1] - 12:37
soon [2] - 15:11, 22:4
sorry [1] - 29:12
sought [2] - 18:16,
33:24
sourced [1] - 36:32
South [41] - 1:23,
3:16, 3:41, 4:10,
4:20, 5:2, 5:5, 5:9,
5:24, 5:44, 6:28,
8:40, 10:6, 13:9,
14:43, 14:45, 15:4,
15:10, 15:19, 27:41,
28:34, 29:5, 31:15,
31:29, 31:33, 32:3,
.05/09/2017 (1)
Transcript produced by DTI
12
32:25, 32:41, 33:1,
33:26, 33:35, 33:42,
34:35, 34:42, 35:16,
35:23, 35:34, 39:42,
40:5, 40:17, 41:37
Special [3] - 25:23,
25:25, 26:30
Specialist [2] - 36:41,
37:36
specialist [6] - 36:5,
36:8, 37:19, 37:28,
37:32, 40:17
specific [8] - 11:28,
11:29, 14:9, 19:9,
19:11, 19:12, 20:23,
31:11
specifically [5] - 11:4,
12:1, 27:13, 29:18,
30:24
specified [2] - 38:13,
38:16
spent [2] - 23:29,
39:12
spouses [1] - 7:21
spread [1] - 4:37
Square [1] - 1:21
stable [1] - 4:47
staff [7] - 7:12, 20:39,
22:43, 32:43, 33:16,
34:41, 40:27
stage [1] - 26:32
stalls [1] - 14:29
standard [1] - 39:16
standards" [1] - 22:16
start [1] - 23:32
started [1] - 37:37
State [72] - 3:35, 3:36,
3:42, 4:7, 4:8, 4:9,
4:11, 4:13, 4:16,
4:29, 4:30, 4:31,
4:35, 5:5, 5:6, 14:42,
14:44, 15:6, 15:22,
15:28, 15:41, 15:42,
21:25, 21:43, 22:6,
22:28, 23:3, 23:7,
31:13, 31:16, 31:17,
31:26, 31:29, 31:31,
31:32, 31:34, 31:35,
31:39, 31:43, 32:6,
32:8, 32:10, 32:18,
32:19, 32:28, 32:34,
33:37, 33:38, 33:41,
33:46, 34:3, 34:5,
34:6, 34:10, 34:12,
34:27, 34:36, 34:38,
34:42, 35:20, 35:33,
35:35, 36:3, 39:42,
39:44, 40:4, 40:28
statement [9] - 4:43,
11:28, 17:19, 24:42,
25:1, 27:22, 29:20,
33:39, 38:34
statements [20] -
13:25, 17:8, 17:15,
17:17, 17:32, 18:5,
23:42, 24:39, 27:12,
27:19, 29:17, 33:41,
34:29, 34:32, 38:9,
38:36, 39:1, 39:21,
40:2
Statements [2] -
16:47, 17:29
status [3] - 8:10, 8:18,
15:27
statute [1] - 3:47
statutory [18] - 8:38,
9:17, 9:30, 10:22,
10:45, 18:7, 24:32,
24:38, 25:47, 26:27,
26:34, 26:38, 27:37,
29:15, 30:4, 41:4,
41:19, 41:24
stay [1] - 7:27
step [1] - 15:41
Stephenson [5] -
2:27, 33:39, 33:41,
34:1, 34:23
Stephenson's [1] -
33:39
steps [11] - 16:6,
19:30, 22:8, 22:33,
27:35, 28:10, 28:15,
30:6, 30:47, 31:6,
34:44
still [1] - 28:37
stood [1] - 15:42
streaming [1] - 41:46
strengthen [1] - 24:34
stresses [1] - 7:15
strong [1] - 7:15
structure [1] - 36:7
sub [23] - 4:19, 4:20,
4:25, 4:30, 4:33,
4:37, 7:40, 7:43,
7:45, 8:6, 8:7, 8:14,
8:16, 14:36, 21:31,
21:37, 21:47, 22:11,
23:10, 23:25, 27:33,
27:41, 31:34
sub-branch [3] - 4:33,
8:14, 23:25
sub-branches [19] -
4:19, 4:20, 4:30,
4:37, 7:40, 7:43,
7:45, 8:6, 8:7, 8:16,
14:36, 21:31, 21:37,
21:47, 22:11, 23:10,
27:33, 27:41, 31:34
sub-branches's [1] -
4:25
subject [14] - 4:23,
9:21, 11:18, 11:20,
13:22, 13:32, 15:13,
16:10, 30:44, 35:29,
37:4, 37:20, 39:35,
40:6
submission [1] -
26:23
submissions [1] -
41:22
subsequently [2] -
34:22, 38:3
successively [1] -
17:23
sufficient [1] - 41:13
suggest [3] - 19:20,
31:40, 36:45
suggested [2] - 22:19,
32:47
suggestion [1] - 24:7
suggestions [1] -
37:13
SULAN [1] - 2:13
Sulvan [1] - 2:13
sum [1] - 38:18
summarising [1] -
11:30
summary [1] - 26:37
sums [5] - 11:25,
19:10, 32:46, 34:40
supervision [2] - 4:23,
41:26
supplier [2] - 38:35,
38:45
supply [2] - 38:40,
38:42
support [1] - 3:29
supported [1] - 18:17
supporting [3] -
10:39, 32:4, 32:13
Supreme [2] - 5:9,
6:28
surplus [1] - 25:1
surrounding [1] -
40:47
survive [1] - 6:18
Survive [1] - 14:10
Susanne [1] - 35:40
suspend [2] - 23:8,
29:47
suspended [5] -
22:39, 25:37, 25:40,
29:6, 39:26
suspending [1] -
28:12
Suspension [1] -
21:21
suspension [7] -
22:12, 22:13, 22:28,
22:34, 23:11, 29:8,
39:32
Sydney [1] - 1:23
system [10] - 13:15,
19:34, 19:36, 20:9,
20:16, 20:24, 21:12,
34:13, 34:15, 34:16
systemic [3] - 22:22,
23:25, 41:7
systems [3] - 22:24,
30:12, 34:43
T
targeted [1] - 14:36
task [1] - 18:22
tasks [1] - 39:13
Tax [1] - 8:15
technical [2] - 21:30,
22:14
telephone [2] - 32:47,
33:1
telephones [1] - 32:47
tendered [1] - 10:9
tense [1] - 15:25
tenure [1] - 32:34
term [3] - 4:12, 6:13,
18:2
termed [2] - 35:15,
39:14
terminated [2] - 39:30,
39:37
terms [11] - 3:10, 6:29,
6:34, 13:38, 16:12,
16:25, 17:22, 18:30,
37:5, 39:16, 41:39
Terms [2] - 16:10,
16:19
testing [1] - 24:12
THE [2] - 1:12, 42:19
themselves [4] -
26:11, 29:31, 34:35,
37:39
thereafter [2] - 15:12,
17:2
therefore [2] - 19:13,
31:20
thinks [1] - 13:1
third [2] - 20:39, 33:2
thirdly [7] - 12:4,
14:15, 16:27, 25:1,
27:5, 33:16, 33:37
Thompson [8] - 2:21,
36:14, 36:19, 37:1,
37:33, 39:5, 39:26,
42:7
Thornton [6] - 17:24,
24:6, 24:11, 24:23,
25:23, 34:3
three [20] - 3:11, 3:22,
3:37, 4:10, 4:12,
4:14, 8:25, 11:1,
13:22, 14:17, 15:11,
16:9, 16:20, 17:16,
17:22, 27:30, 29:35,
38:23, 38:42, 41:5
three-year [1] - 4:12
Thrive [1] - 14:10
throughout [8] - 3:46,
4:19, 5:39, 5:44,
14:32, 15:2, 16:17,
16:43
Thursday [1] - 42:4
THURSDAY [1] -
42:19
tiered [1] - 36:7
tight [1] - 31:21
timeframe [1] - 18:23
titled [1] - 39:30
TO [1] - 42:19
today [2] - 3:24, 41:33
together [4] - 12:16,
27:39, 31:16, 41:20
took [2] - 15:26, 35:36
Tools [1] - 38:24
topic [1] - 40:36
total [3] - 9:46, 38:18,
39:19
totality [1] - 32:35
touched [1] - 26:18
towards [1] - 35:4
traced [2] - 12:22,
28:31
track [1] - 22:20
Trade [1] - 38:24
trader [1] - 10:41
trader's [1] - 10:45
traders [1] - 27:34
Trading [1] - 10:6
transactions [2] -
10:36, 19:42
transcript [2] - 1:2,
1:6
transferred [2] - 5:36,
6:10
transparency [2] -
13:16, 35:7
travel [1] - 31:31
Treasurer [6] - 4:9,
4:14, 5:6, 15:4,
15:18, 32:6
treating [1] - 21:35
treatment [1] - 24:8
true [4] - 12:1, 17:3,
17:32, 40:19
trust [13] - 5:4, 6:27,
6:29, 9:31, 12:23,
13:18, 27:46, 28:2,
28:5, 28:8, 28:11,
28:17, 41:14
.05/09/2017 (1)
Transcript produced by DTI
13
Trust [1] - 28:11
trustee [2] - 15:5, 15:7
trustees [5] - 5:4,
14:43, 27:46, 28:10,
28:15
Trustees [5] - 2:10,
19:28, 20:17, 20:35,
20:40
Trusts [1] - 28:6
Tuberculosis [1] -
5:33
Tuesday [1] - 1:27
turn [4] - 4:35, 8:34,
18:9, 31:11
two [9] - 4:8, 20:1,
20:39, 24:5, 25:38,
31:47, 32:43, 36:7,
38:40
two-tiered [1] - 36:7
U
ultimatum [1] - 33:12
unacceptable [1] -
23:13
uncertainty [1] - 32:20
unchecked [2] - 8:47,
41:8
uncovered [1] - 22:9
under [19] - 1:4, 3:1,
3:12, 4:18, 5:23,
8:34, 9:5, 9:17,
13:43, 14:32, 16:5,
16:26, 16:43, 18:14,
20:18, 28:6, 30:1,
30:43, 39:32
UNDER [1] - 1:12
underlying [1] - 21:12
undertake [1] - 25:30
undertaking [1] -
24:34
unfolded [1] - 18:11
unincorporated [3] -
4:21, 4:22, 11:23
United [1] - 5:29
unlawful [1] - 41:17
unremarked [1] -
30:40
unsupported [1] -
34:41
unsurprisingly [1] -
37:35
up [10] - 3:35, 3:37,
4:14, 5:28, 5:35,
6:47, 8:2, 8:44, 14:4,
31:16
URSF [4] - 5:30, 5:31,
5:35, 14:4
uses [1] - 41:17
utilises [1] - 14:45
V
vacancy [2] - 6:38,
33:36
vacated [1] - 35:22
vacation [1] - 33:14
validity [1] - 15:23
variation [3] - 6:29,
6:31, 31:22
various [5] - 10:42,
18:29, 30:30, 30:47,
39:13
verifiable [1] - 10:33
verifying [4] - 11:34,
17:30, 25:9, 25:15
Veteran [1] - 7:16
Veterans [1] - 7:35
veterans [17] - 6:17,
6:18, 6:22, 6:32,
6:34, 6:36, 6:37,
6:39, 7:3, 7:17, 7:21,
7:22, 7:26, 7:29,
7:30, 8:24, 8:26
Veterans' [1] - 39:9
veterans' [1] - 6:27
viability [1] - 8:30
Vic [1] - 17:24
Vice [1] - 4:15
view [6] - 12:1, 17:3,
17:33, 20:29, 24:11,
35:36
views [1] - 40:34
village [5] - 6:8, 7:2,
7:11, 35:30, 35:38
villages [1] - 8:28
virtue [1] - 11:15
vision [1] - 4:47
visiting [1] - 31:34
vital [1] - 21:36
voluntarily [2] - 22:44,
33:10
vote [1] - 11:12
voted [3] - 29:28,
37:38, 38:30
voting [2] - 26:20,
26:22
W
Wales [41] - 1:23,
3:16, 3:41, 4:10,
4:20, 5:2, 5:5, 5:9,
5:24, 5:44, 6:28,
8:40, 10:6, 13:9,
14:43, 14:45, 15:5,
15:10, 15:19, 27:42,
28:34, 29:5, 31:15,
31:29, 31:33, 32:4,
32:25, 32:41, 33:1,
33:26, 33:35, 33:42,
34:35, 34:42, 35:17,
35:23, 35:34, 39:42,
40:5, 40:17, 41:38
war [8] - 6:22, 6:27,
6:32, 6:34, 6:36, 7:3,
7:26, 8:24
War [1] - 3:31
warning [1] - 33:15
WAS [1] - 42:19
ways [2] - 14:1, 31:47
WBI [52] - 2:11, 3:19,
5:4, 5:14, 5:16, 5:21,
5:36, 11:23, 13:35,
14:4, 14:11, 14:31,
14:43, 15:3, 15:5,
15:7, 16:15, 16:42,
16:46, 17:2, 17:12,
17:30, 18:16, 18:22,
18:28, 19:18, 19:28,
19:31, 20:9, 20:15,
20:17, 20:22, 20:24,
20:38, 20:46, 21:16,
22:38, 22:40, 22:44,
25:42, 26:37, 27:17,
27:28, 27:35, 27:46,
28:10, 28:21, 28:34,
29:5, 30:41, 41:6
WBI's [6] - 18:35,
19:30, 20:1, 20:20,
20:29, 21:1
Webb [1] - 25:29
webpage [1] - 41:37
website [4] - 10:9,
22:41, 22:42, 41:39
websites [1] - 14:16
week [1] - 23:7
welfare [2] - 3:44, 5:10
Welfare [2] - 2:10,
3:17
wellbeing [1] - 4:44
Western [1] - 3:30
whereby [1] - 36:8
whilst [1] - 40:18
White [10] - 15:4,
15:18, 17:2, 32:6,
32:12, 32:29, 33:6,
33:12, 34:6, 38:5
white [1] - 33:3
whole [1] - 13:45
wholescale [1] - 41:8
wholly [1] - 16:9
wider [1] - 23:21
willingness [1] - 9:15
Winter [3] - 17:26,
17:29, 24:6
winters [1] - 17:47
.05/09/2017 (1)
Transcript produced by DTI
14
wish [1] - 42:1
withdraw [1] - 4:24
withdrawals [2] -
32:25, 34:39
witness [1] - 42:5
women [2] - 4:41, 4:42
women's [1] - 27:33
Women's [3] - 4:32,
4:34, 14:36
words [1] - 8:45
worst [1] - 34:12
wound [1] - 5:35
written [1] - 10:41
wrote [6] - 16:2,
19:17, 20:46, 21:1,
23:38, 37:1
Y
year [18] - 4:12, 5:25,
6:43, 10:1, 11:32,
11:44, 13:31, 16:46,
17:34, 17:37, 17:42,
19:14, 24:43, 24:46,
25:6, 38:9, 38:16
years [11] - 7:47, 9:13,
14:47, 17:10, 17:30,
25:15, 25:25, 25:27,
30:34, 31:24, 38:23
Young [9] - 18:18,
18:21, 20:15, 20:23,
20:46, 26:41, 28:21,
28:32, 29:10
young [3] - 7:26, 7:29
Young's [3] - 19:20,
20:31, 21:2
youth [1] - 23:26