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We know the CSHC is valued by cardholders as it provides eligibility for pensioner level PBS concessions and in principle for bulk billing of GP, other health service charges, as well as various concessions in different jurisdictions, sometimes at lower rates than for a pensioner.

We now believe that it is time for a new iteration of the Financial System Inquiry to ensure that the regulatory structure of financial services is fit for purpose in the rapidly evolving circumstances that Australia faces.

Our submission has focused on the importance of any future employment models in aged care to focus on consumer choice, the value placed by older people on the relationship with aged care workers and quality consumer outcomes.

We welcomed the proposed Consumer Vulnerability Strategy as a genuine attempt by the AER to improve energy affordability and reduce the barriers that restrict energy customers’ engagement in the market, especially those facing payment hardship.

The Guideline’s purpose is to facilitate retailers to prepare and issue bills that will make it easy for customers to understand and engage with billing information.

We welcome the opportunity to submit this submission in advance of the 2022/23 Federal Budget.