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WA  continues  slide  down  economic  tree  

In  this  issue:   • • • • • • •

WA  -­‐  once  the  top  of  the  national  economic  tree  has   slipped  to  fift  and  is  now  battling  to  keep  ahead  of   financial  minnows  South  Austmlia  and  Tasmania.  

WA  continues  slide  down  economic  tree     Why  Australia  Day  is  a  favourite  for  pulling  sickies   Compo  for  cash  cow  tax   CLICK  ON  HELPING  HANDS   Deal  once  and  for  all  with  workplace  corruption   CEOs  are  the  next  IR  corruption  target     The  best  performing  super  funds  of  2015  revealed  

The  ConunSec  quarterly  comparison  of  the  economic   performance  of  the  States  and  Territories  shows  WA  at   its  lowest  ever  ranking.    WA  was  the  nation’s  best   performing  area  as  recently  as  October  2014.  

• International  Business  Council   Activities/Information  

But  the  collapse  'in  key  commodity  prices  coupled  with   the  winding  up  of  major  mhiing  construction  projects   has  hit  the  State's  economy  hard.  

Attachments:  

Over  the  past  three  months  it  slipped  one  spot  to  the   fifth  best  performed  economy.  

• SCC  Events  Newsletter.pdf     • Interested  In  Hosting  a  Sundowner?.pdf  

NSW  is  the  best  performed  State,  narrowly  ahead  of   Victoria.    Even  the  ACT,  which  has  faced  headwhids   caused  by  cuts  in  the  public  service,  is  doing  better  than   WA.  

 

CommSec  chief  equities  economist  Craig  James  said  the   drag  on  WA  by  the  end  of  the  mhiing  construction  boom   was  clear.   "Slower  population  growth  and  higher  unemployment   will  constrain  activity  in  the  housing  market,"  he  said.   WA’s  weakening  jobs  market,  slowing  population   growth  and  the  sharp  drop  in  investment  spending  are   all  dragging  on  the  State's  economic  standing.   Even  in  those  areas  doing  well,  particularly  overall   economic  growth  and  retail  spending,  there  are   substantial  risks  of  deterioration  over  the  coming   months.  (SOURCE:  The  West  Australian,  27.1.16)

NEXT  MEETING:  BOARD  MEETING   NECA  Board  Room,   Unit  18,  199  Balcatta  Road,  BALCATTA  

5.00pm  Monday  1  February  2016   Combined  Small  Business  Alliance  of  Western  Australia  Inc.  (CoSBA)   PO  Box  2237,  MIDLAND  DC.  WA  6936   President:  Les  Marshall,  Vice  President:  Stephen  Knight,  Secretary/Treasurer:  Terry  Bright   Chief  Executive  Officer:  Oliver  Moon.    Phone:  9250  3549/0408  957  381   CoSBA  website:  www.cosba.com.au  Email:  [email protected]  

  DISCLAIMER:    The  information  appearing  in  The  CoSBA  BROADCAST  is  for  affiliates  of  the  Combined  Small  Business  Alliance  of  WA  (CoSBA).    The  information  is  sourced  from   various  sources  including  public  records.    Whilst  every  effort  is  made  to  ensure  the  probity  of  the  information,  CoSBA  accepts  no  liability  for  accuracy,  errors  or  omissions,  or   for  any  injury  to  any  user  of  the  information.  

 

Why  Australia  Day  is  a  favourite  for  pulling   sickies    

Tumbull  Government  ministers  have  discussed  offering  s  .    tates  a  slice  of  taxes  raised  through  personal  taxes  if  over   a  period  of  time  they  reduce  or  dump  some  of  the  most    hated  and  producfivity-­‐sapping  taxes.  

A  s  urvey  of  2024  Australians  by  Clipp  found  16%  of  Aussies   have  chucked  a  sickie  after  Australia  Day  at  least  once,     which  makes  it  a  more  common  occurrence  than  workers   taking     a  day  off  after  Anzac  Day,  Melbourne  Cup  and  footy   grand  final  weekends.  

A     spokesman  for  Treasurer  Scott  Morrison  told  The   Sunday  Times  inefficient  state  taxes  were  on  the  agenda    and  "everything  was  on  the  table".  

Business  owners  might  be  at  risk  of  poor  staff  turnout  if     employees  celebrate  Australia  Day  a  little  too  hard.  

 

The  culprits  appear  to  be  younger  workers,  with  almost  a   quarter   of  those  surveyed  in  their  20s  and  22%  of  those     under  20  admitting  to  pulling  sickies.  

 

Faking  illness  appears  to  decrease  with  age,  with  16%  of  30-­‐ somethings,   12%  of  40-­‐somethings,  9%  of  50-­‐somethings     and  4%  of  those  aged  60  and  above  admitting  to  taking  a     the  next  day.   sickie  

  Watts,  director  at  human  resources  firm  wattsnext,   Ben   told  SmartCompany  managing  employees  that  take  sickies     be  tough  for  SMEs.   can      “There’s   a  couple  of  different  approaches;  you  could   potentially  give  them  that  day  off  if  you  think  it’s  not  going     e  a  productive  day…  but  that’s  a  big  cost  to  small  and   to  b medium   businesses,  especially  with  all  the  public  holidays     we’ve  been  having,”  he  says.    

Alternatively  Watts  says  business  owners  could  take  a   harder     line  on  sickies.    “Have  a  policy  that  after  a  weekend   or  public  holiday,  you  do  need  to  get  a  medical  certificate,”   he    says.   “There   definitely  is  a  risk  to  culture  [and]  a  lot  of  businesses     already  have  that  as  a  policy  built  into  their  enterprising     bargain   policy…  If  you’re  just  creating  the  rule  a  week   before  then  it  will  create  bad  culture.”  

 

 “Sick  days  are  there  for  the  wellbeing  of  the  individuals,  if     somebody   gets  ill,  or  their  children  get  ill,  or  they  break  a   leg  that’s  paid  time  there  for  them  to  use  when  needed,”     Watt  says.  

  says  Australia  Day  this  year  is  a  little  awkwardly   Watts   placed,   particularly  as  some  schools  are  going  back  Monday     and  some  are  back  on  Wednesday,  making  it  difficult  for   working   parents.     However,   he  says  the  best  thing  for  small  and  medium     business  owners  is  to  speak  to  their  teams  and  explain  the   potential   cost  of  sickies  to  the  business  and  ask  anyone     wanting  the  day  off  to  put  in  an  annual  leave  form.  

 

“Often  if  it’s  raised  then  it’s  difficult  for  people  to  turn     around   and  call  in  sick,”  he  says.   “It’s     very  hard  to  not  trade  for  that  day  and  for  small  and   medium  business  to  pay  out  sick  leave  if  they’re  paying  out   for     the  public  holiday  the  day  before  or  the  next  day.”   (SOURCE:   SmartCompany,  21.1.16)    

Compo  for  cash  cow  tax  

  could  be  offered  Federal  compensation  if  the  State   WA   Govemment  is  willing  to  sacrifi  ce  cash  cows"  such  as   payroll   tax.    

 And  highly  placed  sources  within  the  Turnbull   Government  have  conceded  they  may  have  to  act    unflaterafly  if  they  cannot  get  consensus  with  the  states   within,coming   months.    

Under  Section  51  (ii)  of  the  Constitution,  the    Commonwealth  cannot  discriminate  between  states  on   taxes   but  under  other  provisions  it  can  offer  a  uniform,     national'scheme  that  states  can  opt  into,  meaning    Premiers  wffling  to  undertake  reform  may  be  able  to  sign   on  even  if  others  refuse.  

 

One  highly  placed  source  said  states  had  been  given    options  on  how  to  reform  their  own  taxes.  

 Some  Turnbull  Government  Ministers  with  an  input  on   reform  believe  the  Federal  Govenment  should  take  a  hit    to  its  own  coffers  by  compensating  states.  They  believe   that  in  the  long  run,  reduced  or  dumped  stamp  duties  and    payroll  tax,  will  boost  productivity,  boost  jobs  and   increase   tax  receipts  for  federal  coffers.  They  believe  the     plan  could  work  if  there  was  a  gradual  reduction  in    stampduties  and  payroll  tax.   One   Federal  Government  source  doubted  the  states     would  ever  give  up  payroll  tax.  

 

Mr  Morrison's  spokesman  said  the  Government  was    "engaged  in  an  open  discussion  on  how  our  tax  system   can  better  boost  growth  and  jobs".    "We  are  not  ruling  anything  in  or  out.  We  are  focused  on   a     better  mix  of  taxes  that  can  ensure  we  better  assist   Australians  to  work,  save  and  invest."  ."  (SOURCE:  The    Sunday  Times  24.1.16)  

CLICK   ON  HELPING  HANDS    

TIME  is  money  according  to  Lauren  Trlin,  who  last  year    quit  her  commercial  litigation  career  to  launch  an  online   marketplace  for  odd  jobs  and  errands.  

 

The  27-­‐year-­‐old's  start-­‐up,  Buzzy  Tas~s  now  has  more    than  500  us  andisexpanding  to  the  eagem  states  as  the   popularity  of  outsourcing  grows.  

 

The  business,  describd  as  the  "premium"  alternative  to    the  Gumtree  website,  caters  to  time  poor  individuals  and   small  businesses  looking  to  outsource  their  to-­‐do  lists.  

 

Ifs  also  used  by  skilled  individuals  looking  to  find  eAm    work  -­‐  such  as  makeup,  photography,  deaning,  gardening   or     technical  jobs.   "We  have  to  move  to  out-­‐sourcing.  We're  getting  busier    and  we're  not  using  our  time  efficiently,"  Ms  Trlin,  said.   "I'm   a  big  believer  of  using  time  efficiently  so  you  can  do     other  fun  things  with  yoiir  life."  

Ms  Trlin  was  a  lawyer  at  DLA  Piper  but  quit  her  job  in  April  

Page  3  of  5     to  launch  Buzzy  Tasks.  "Perth  people  are  very  

  independent,  we're  still  learning  the  power  of  getting     someone  to  help  you  out  you  save  time  but  you  also   save  money,  especially  if  it's  not  your  skill  area,"  she     said.  

  Ms  Trlin  recently  moved  to  Sydney  and  said  the  

restidents  of  Australia's  biggest  city  "get  it".    "Perth  is  

  starting  to  understand  that,  although  launching  it  was    

difficult,"  she  said.  

"It's  great  there's  not  a  lot  of  outsourcing  competitors,  

  but  ifs  a  small  market  to  launch  a  start-­‐up."  (SOURCE:    

The  Sunday  Times  24.1.16)  

Deal  once  and  for  all  with  workplace  

the  leg.  This  is  a  bit  more  serious,  but  only  a  job  half   done  as  the  person  will  eventually  recover  and  seek     revenge.  It  is  extremely  foolish  to  antagonise  someone   by  only  kilim  ded.  

 

Kilim  ded  pinis  means  to  “kill  them  dead,  finish”.  The     person  is  “finished”,  meaning  the  body  disappears,   hacked  to  pieces,  fed  to  the  wild  dogs,  whatever,  but     the  person  that  once  was  simply  no  longer  exists,     there  is  no  evidence  they  ever  walked  the  earth.   When  dealing  with  an  enemy  that  seeks  to  kilim  ded  

  pinis  on  you,  kilim  ded  pinis  is  the  only  response.  Of     course,  there  is  always  the  risk  the  person’s  relatives   may  find  out  and  retaliate,  and  then  the  cycle  begins  

  afresh  with  kilim  ded  pinis  again  the  only  hope  of  a   permanent  solution.  

  corruption     S O U R C E :  T H E  A U S T R A L IA N ,  JA N U A R Y  2 3 ,  2 0 1 6  

 

  Kilim  ded  pinis.  This  phrase,  a  personal  favourite,  is  

 

 

  corporatised  corruption  in  our  biggest  industries  

G ra c e  C o llie r,  C o lu m n ist  M e lb o u rn e     pidgin  English  for  “kill  them  dead,  finish”.  

The  Papua  New  Guineans  are  fearless  warriors.  It  was  a  

  privilege  to  spend  the  first  decade  of  life  among  them  in  

corruption.  

There  is  serious,  ingrained,  anti-­‐competitive,  

between  some  of  the  major  businesses  in  our  country  

a  remote  village.  My  parents  were  missionaries  until  

  and  unions,  and  there  is  misconduct  within  unions     themselves.  

down  their  life  to  help  another.  However,  existence  in  a  

  and  wide-­‐reaching  than  the  latter.  After  all,  the     thuggish  conduct,  the  demands  for  bribes,  only  occur  

  1980.     Most  PNG  types  are  warm  and  generous,  and  might  lay  

  primitive  settlement  means  one  must  employ  explosive     violence  in  the  blink  of  an  eye.  One  minute  someone  

could  be  digging  up  sweet  potatoes,  the  next  they  could  

  be  hacking  someone  to  death  with  a  bush  knife  because    

Australia  now  needs  groundbreaking  reform  to  deal  

  with,  broadly  speaking,  two  types  of  workplace  

there  is  no  other  option.  

As  soon  as  the  body  is  disposed  of,  perhaps  tossed  in  the  

In  my  opinion,  the  former  is  far  more  serious,  harmful   because  at  the  top  of  the  food  chain  a  corporate  is  in  

  partnership  with  a  union  and  allowing  it  veto  over  

which  companies  it  will  employ.  Unfortunately,  this  is  

  long-­‐term  standard  business  practice  in  several  of  our     key  sectors.  If  every  single  corporate  doing  so   abandoned  its  collusive  deals  with  key  unions  

  river,  attention  would  turn  back  to  the  sweet  potatoes  

  tomorrow,  the  serious  problems  we  have  would  

  are  always  hungry  children  to  feed  and  no  time  for  self-­‐   indulgent  dramatics.  

 

with  a  focus  on  making  up  the  lost  time.  After  all,  there  

In  our  PNG  village,  survival  of  the  fittest  was  the  only  

  guiding  conviction,  or  core  belief,  worth  investing  in.     From  dawn  until  dusk,  necessity  is  the  driver  of  all    

activity.  

There  is  no  electricity,  no  communication,  no     healthcare,  no  concept  of  a  thing  called  government,  no   police  or  any  other  formal  authority.  

         

When  trouble  strikes,  there  is  nothing  but  your  own  will   to  survive,  to  run  or  fight,  and  if  there  is  to  be  a  fight   then  hopefully  there  is  a  weapon.  Sentimentality  is  non-­‐ existent  and  emotions  are  a  rare  luxury.  Violence  occurs   regularly,  has  layers  of  magnitude  and  kilim  ded  pinis  in   our  village  was  used  to  describe  the  three  categories  of   assault.  

  Kilim  means  to  “kill”,  but  in  reality  it  means  to  knock  

someone  to  the  ground,  clobber  them  over  the  head     with  a  hard  stick  or  something.  It  is  not  permanent,  it  is   more  for  show.  The  other  person  will  jump  up  and     retaliate,  so  it  is  foolish  to  only  kilim.   Kilim  ded  means  to  “kill  them  dead”,  meaning  to  really     incapacitate  for  a  while,  perhaps  with  a  spear  through  

mostly  melt  away  and  our  cost  of  living  would  fall.  

Our  government  has  some  industrial  relations  reforms     it  wants  passed  through  the  Senate.  As  far  as  these   proposals  go,  they  are  worthy,  but  hail  from  last  year     before  the  royal  commission  into  trade  union     governance  made  its  excellent  recommendations  for   policy  change.  

  The  language  that  has  been  used  by  the  Prime     Minister  and  others  in  cabinet  when  talking  about   these  proposals  has  focused  only  on  unions.  

  There  isn’t  candid  discussion  about  the  core  of  our     problems  and  it  has  put  key  senators  off-­‐side.    

Further,  to  categorise  the  proposals  using  the  PNG   measure,  the  reforms  are  of  the  kilim  variety.  

  Sure,  they  will  be  a  blow  but  the  bad  guys  will  bounce     back,  their  mutually  beneficial  partnerships  stronger  

than  ever.  We  need  to  get  serious.  In  terms  of  dealing  

  with  these  issues,  we  don’t  need  kilim,  or  even  kilim  

ded.  We  need  kilim  ded  pinis.  The  problems  we  have  

  affect  every  single  person  because  they  make  living  

here  far  more  expensive  and  restrictive  than  it  needs  

  to  be,  and  give  us  the  international  reputation  of  being   an  expensive,  corrupt  backwater.  Perhaps  the  reforms   should  be  withdrawn  and  redesigned  with  the  

Page  4  of  5     language  recalibrated  to  focus  on  both  parties  to     corruption   and  the  package  put  up  as  a  one-­‐off,  all   or     nothing,  do  or  die  measure.  

CEOs  are  the  next  IR  corruption  target  

S   O U R C E :  B U S IN E S S  S P E C T A T O R ,  JA N U A R Y   2   2 ,  2 0 1 6  R o b e rt  G o ttlie b se n ,  M e lb o u rn e   Australia  is  now  set  to  have  an  unprecedented   debate   about  industrial  relations  —  a  debate  based     on  ‘industrial  corruption’  rather  than  working     conditions.   For  the  first  time  in  the  nation’s  history,   the  front  line  of  the  attack  will  be  the  chief     executives  and  board  members  of  some  of   Australia’s   largest  companies  who,  unless  they     change  the  way  they  do  business,  will  face  criminal     prosecution.   There   will  be  limited  corporate  fines,  just  long  jail     sentences  for  those  directors  or  executives  who     continue   with  their  current  practice  of  paying  bribes   to  unions.  

Last  night,  the  news  swept  Canberra  that  the  Minister  for   Employment,  Senator  Michaelia  Cash,  would  prepare   legislation   to  adopt  the  Heydon  recommendations  on     employer  bribery  of  unions.  Directors  and  executives  of     companies   paying  money  to  unions  will  be  charged  with   criminal  offences  (except  in  rare  approved  circumstances).   No  m   ore  training  scheme  rackets  and  other  bribery   methods   that  transferred  tens  of  millions  to  building  and     other  unions.  

 

And  also  under  the  gun  will  be  commissions  and  the  side   benefits     unions  might  (and  currently  do)  receive  from   employers.  

 

If  the  government  does  this  properly,  then  the  thrust  of   the  l  egislation  will  be  corruption  in  industrial  relations   with  company  directors  and  executives  just  as  vulnerable     officials  —  and  possibly  more  so.   as  union   When     Malcolm  Turnbull  cherry  picked  Heydon’s   recommendations  and  attacked  unions,  the     crossbenchers,   quite  rightly,  told  him  to  jump  in  the  lake.  

 

That    mistake  by  the  Prime  Minister  will  require  the   government  to  go  out  of  its  way  to  make  sure  the     legislation   is  even  handed.  And  if  it  is  even  handed  —   perhaps   e ven   tougher  on  companies  than  unions  —  then     even  Opposition  Leader  Bill  Shorten  will  need  to  think  how   he  should   tackle  it.    

 

The  w   idespread  current  practice  of  companies  paying   bribes  to  unions  to  be  on  the  union-­‐approved  tender  list   for  large     projects  will  be  blackballed.  And  that  simple   process  —  nothing  to  do  with  conditions  —  will  slash     Australian   commercial  building  costs.  

While  the  Heydon  Royal  Commission  detailed  many     very   bad  union  practices,  most  were  known.  What   was  not  as  widely  known  were  the  appalling     practices  of  large  and  small  companies.  Heydon   proposed   that  both  company  and  union  officials     should  be  given  jail  sentences.   While  the  government  will  now  claim  that  they   always   intended  to  attack  rogue  members  of  the     Business  Council  of  Australia  and  the  Australian     Industry   Group,  in  fact,  when  the  Heydon  report   came  out,  hardly  a  word  was  mentioned  against     employers  —  the  government  attacks  were  on   unions.     Malcolm   Turnbull  said  he  would  take  the  fight     against  the  unions  to  the  next  election  and  he  did   not     rule  out  a  double  dissolution  on  the  issue.   No     mention  was  made  of  Heydon’s  revelations   about  companies  —  the  traditional  Coalition   supporter   base.  Many  coalition  members  are  mates     with  people  who  could  face  jail  under  the  Heydon     recommendations.  

  is  not  easy  for  a  Coalition  government  to  pass   It   legislation  that  may  jail  members  of  the  Business     Council   and  Australian  industry  Group.  Of  course,   Opposition   Leader  Bill  Shorten  has  the  same     problem  on  the  union  side.  

  a  series  of  events  have  changed  the  mind  of   But   many   in  the  Coalition  and,  I  suspect,  my  Business     Spectator  commentary  earlier  this  week  —  which   highlighted   that  the  top  management  and  boards  of     at  least  five  large  Australian  companies  face  long  jail     sentences   if  the  government  follows  the  Heydon   Royal  Commission  recommendations  to  stamp  out     corruption  in  the  building  industry  —  was  the   clincher   (Stamping  out  corruption  requires  a  firm  but     fair  hand,  Jan  20).    

  company  and  union  officials  regard  fines  as  part  of   Many   the  cost  of  doing  business.  Losing  their  liberty  is  a  very     different   matter.     I  emphasise   that  some  of  the  union  thuggery  we  have   seen  in  recent  years  is  among  the  worst  in  the  world.  And  I     no  way  suggesting  that  unions  should  be  allowed  to   am  in   continue   these  practices.     On  the  other  hand  union  thuggery  would  not  have  been     possible  but  for  employer  thuggery  and  both  the  Business   Council     of  Australia  and  the  Australian  Industry  Group   turned  a  blind  eye  to  it.   The  B   oral  and  Grocon  situations  showed  everyone  what   was    going  on.  Suddenly  the  debate  swings  from  shift   allowances  and  penalty  rates  to  some  of  the  worst   corruption   we  have  seen  in  Australia.     If  the  government  does  the  right  thing,  I  suspect  the     Senate  crossbenchers  will  back  them  and  we  will  be  able   to  build     a  lot  more  hospitals,  schools  and  roads  for  the   same  amount  of  money.  

The     best  performing  super  funds  of  2015   revealed    

Australians  with  superannuation  funds  investing  in     international   shares  and  Australian  listed  property  have   come   o ut   o n   t op  in  2015.     SuperRatings  has  released  its  annual  list  of  the  top  10  

Page  5  of  5     performing  super  funds,  with  major  super  funds  delivering   an     average  5.6%  calendar  year  return  in  2015.     Although  this  is  well  below  the  returns  of  2013  (16.3%)     2014  (  8.1%),  the  average  return  has  been  deemed   and   “solid”   given  the  volatile  market  conditions.    

Taking  out  top  spot  was  MTAA  Super  with  a  strong  9.5%     return,   1%  higher  than  second  placed  BUSSQ,  which   returned   8.6%  to  investors.     MTAA  super  chairman  John  Brumby  said  in  a  statement   while  the  outcome  is  excellent,  it  is  important  to   remember  superannuation  is  a  long-­‐term  investment.   “While  2015  was  an  outstanding  year  it  would  be   unrealistic  to  expect  a  repeat  of  these  results  every  year,   particularly  when  we  are  experiencing  very  challenging   market  conditions,’’  he  said.    “Perhaps  more  pleasing  is  that  the  My  AutoSuper  product   is  now  ranked  in  the  top  quartile  for  performance  over  a   three  year  period.”     Every  superannuation  fund  in  the  2015  top  10  is  a  not-­‐for-­‐ profit  fund.    “MTAA  has  had  a  fantastic  year  they  made  a  reasonable   profit…  I  think  the  thing  that  stands  out  is  the  NFP   industry  fund  sector  which  has  been  very  strong  in   comparison  to  the  retail  sector,”  Gee  says.   Gee  says  SMEs  should  take  the  long  view  on  super   returns.   “Our  view  is  very  much  we  don’t  pay  a  lot  of  attention  to   one-­‐year  returns,  the  preference  is  really  to  have  a  look  at   long  -­‐term  returns  –  the  seven,  10  year  options,”  he  says.   “Whilst  the  one-­‐year  numbers  are  interesting,  we   wouldn’t  suggest  members  use  those  numbers  to  change   the  fund.”  

 

Instead,  Gee  says  individuals  should  undertake  a   broader  assessment  that  incorporates  long-­‐term   investment  returns,  fees,  and  insurance.   Top  10  superannuation  funds  in  2015,  according  to   SuperRatings  are:   1.  MTAA  Super                                          9.5%   2.  BUSSQ                                                                    8.6%   3.  UniSuper                                                      7.7%   4.  AustralianSuper                      7.7%   5.  Cbus  MySuper                                7.5%   6.  Sunsuper                                                      7.3%   7.  CareSuper                                                7.1%   8.  AustSafe  Super                            7.0%   9.  HOSTPLUS                                                  7.0%   10.  Intrust  Super                              7.0%   (SOURCE/EXTRACT:  SmartCompany,  17.1.16)  

International  Business  Council   Activities/Information   For  IBC  activities/information  go  to  the  IBC  web  site  at:     http://www.ibcwa.org.au  or  contact  them  at:  E-­‐Mail:   [email protected]    Fax:  9356  9437  Tel:  9451  9449   Mob:  0413  437  708   PO  Box  691,  BENTLEY  WA  6982   To read more on the following recently added articles, go to http://www.ibcwa.org.au/

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