(a)/1

1.

Mr Peter Williams, WA (PDF format)

(c)

2.

Mrs Patricia A. King, NSW (PDF format)

(a)/1 & (c)

3.

Mr Dan Scheiwe, Queensland University of Technology, Qld (PDF format)

(c)

4.

Mr Peter Armstrong, Vic (PDF format)

(c)

5.

Industry Funds Forum (IFF) (PDF format)

(a)/1

6.

Australian Consumers Association (ACA) (PDF format)

(c)

7.

Australian Taxation Office (ATO)(PDF format)

(a)/1 & (c)

8.

The Institute of Chartered Accountants in Australia (PDF format)

(a)/1 & (c)

9.

Mr Jeremy Porteus, WA (PDF format)

(a)/1

10.

Care Incorporated, Financial Counselling and Consumer Credit Legal Service (PDF format)

(a)/1

11.

Australian Securities and Investments Commission (ASIC) (PDF format)

(a)/1

12.

Consumer Credit Legal Service Inc (PDF format)

(a)/1 & (c)

13.

National Farmers Federation (NFF) (PDF format)

(c)

14.

WA Shearing Contractors Association (Inc)(PDF format)

(c)

15.

NFF (Supplementary Submission)(PDF format)

(a)/1

16.

Australian Association of Permanent Building Societies (PDF format)

(c)

17.

Association of Superannuation Funds of Australia (ASFA)(PDF format)

(a)/1 & (c)

18.

NRMA (PDF format)

(a)/1 & (c)

19.

William M. Mercer Pty Ltd (PDF format)

(a)/1 & (c)

20.

Australian Society of Certified Practising Accountants (Now CPA Australia) (PDF format)

(a)/1

21.

Ms Fiona Ogilvy-O'Donnell, VIC (PDF format)

(a)/1 & (c)

22.

Automotive, Food, Metals, Engineering, Printing and Kindred Industries Union (AMWU)(PDF format)

(a)/1

23.

Australian Prudential Regulation Authority (PDF format)

(a)/1

24.

Mr John Teasdale, SA (PDF format)

(a)/1 & (c)

25.

Council of Small Business Organisations of Australia Ltd (COSBOA)(PDF format)

(a)/1 & (c)

26.

Financial Services Consumer Policy Centre (FSCPC)(PDF format)

(a)/1 & (c)

27.

Investment & Financial Services Association (IFSA)(PDF format)

(c)

28.

Phillips Fox Actuaries and Consultants (PDF format)

(a)/1 & (c)

29.

Australian Council of Trade Unions (ACTU)(PDF format)

(a)/1

30.

Institutional Analysis Pty Ltd (PDF format)

(a)/1 & (c)

31.

AMP (PDF format)

(a)/1 & (c)

32.

Corporate Super Association (PDF format)

(c)

33.

Process Pack Pty Ltd (PDF format)

(a)/1

35.

Mr Shawn Fracchia, ACT (PDF format)

(a)/1

36.

Westpac Banking Corporation (PDF format)

(a)/1

37.

Puzzle Financial Advice P/L (PDF format)

(a)/1

38.

Towers Perrin (PDF format)

(a)/1

39.

AMWU (Supplementary Submission)(PDF format)

(a)/1

40.

ASFA (Supplementary Submission)(PDF format)

(a)/1

41.

Mr Shawn Fracchia, ACT (Supplementary Submission)(PDF format)

(c)

42.

Queensland Furnishing Industry Superannuation Trust (QFIST) (PDF format)

(a)/1&2

43.

Mr Geoffrey Heaton, QLD (EPAS)(PDF format)

(a)/1

44.

Association of Independent Retirees Inc, SA (PDF format)

(a)/1

45.

Industry Fund Services Pty Ltd (PDF format)

(a)/1

46.

Puzzle Finance Advice P/L (Supplementary Submission)(PDF format)

(a)/1

47.

Mr Gary Lanham, Minter Ellison, QLD (PDF format)

(a)/2

48.

Ms Carmel Reading, QLD (LESF)(PDF format)

(a)/1

49.

Institute of Actuaries of Australia (PDF format)

(a)/1

50.

Tasplan Super (PDF Format)

(a)/1

51.

The Institute of Chartered Accountants in Australia (Supplementary Submission)(PDF format)

(a)/2 & (c)

52.

ACTU (Supplementary Submission) (EPAS)(PDF format)

(a)/1

53.

De Santis Management Agency (PDF format)

(a)/1

54.

Australian Conservation Foundation (PDF format)

(a)/1

55.

Puzzle Finance Advice P/L (Supplementary Submission)(PDF format)

(a)/2

56.

Ms Carmel Reading, QLD (Supplementary Submission)(LESF, EPAS)(PDF format)(PDF format)

(a)1 & 2

57.

Mr Pat Hannan, QLD (PDF format)

(c)

58.

IFF (Supplementary Submission)(PDF format)

(a)/1

59.

Towers Perrin (Supplementary Submission)(PDF format)

(c)

60.

REST Superannuation (PDF format)

(a)/1

61.

Tasplan Super (Supplementary Submission)(PDF format)

(a)/1 & (c)

62.

Mr Greg Lisk, NSW (PDF format)

(a)/1

63.

Deloitte Touche Tohmatsu (PDF format)

(a)/1

64.

ASFA (Supplementary Submission) (PDF format)

(a)/1 & (c)

65.

Phillips Fox, Actuaries and Consultants (Supplementary Submission)(PDF format)

(a)/1

66.

Insurance Council of Australia Ltd (ICA)(PDF format)

(a)/2

67.

Hotel Motel & Accommodation Association of Queensland (HMAA Queensland) (EPAS)(PDF format)

68.

Confidential

69.

Confidential

(c)

70.

Australian Chamber of Commerce and Industry (PDF format)

71.

Confidential

(a)/1

72.

Financial Planning Association of Australia Ltd (FPA)(PDF format)

(a)/1

73.

APRA (Supplementary Submission)(PDF format)

(a)/1

74.

First Samuel Limited (PDF format)

(c)

75.

ATO (Supplementary Submission)(PDF format)

(c)

76.

Department of the Treasury (PDF format)

(a)/1 & (c)

77.

The Institute of Chartered Accountants in Australia (Supplementary Submission)(PDF format)

(a)/1

78.

Investment Initiative (PDF format)

(c)

79.

Institute of Actuaries (Supplementary Submission)(PDF format)

(c)

80.

Australian National Audit Office (ANAO)(PDF format)

(a)/1

81.

Superannuation Complaints Tribunal (PDF format)

(a)/1

82.

ACA (Supplementary Submission)(PDF format)

83.

Confidential

84.

Confidential

(a)/1

85.

Mr Daryl Dixon, Writer and Consultant, ACT (PDF format)

(a)/1

86.

Association of Financial Advisers (PDF format)

(a)/1 & (c)

87.

Department of the Treasury (Supplementary Submission)(PDF format)

(a)/1

88.

APRA (Supplementary Submission)(PDF format)

(a)/2

89.

Law Employees Superannuation Fund (LESF)(PDF format)

(a)/1

90.

APRA (Supplementary Submission)(PDF format)

(a)/1

91.

ASIC (Supplementary Submission)(PDF format)

(a)/1

92.

Australian Competition & Consumer Commission (PDF format)

(a)/1 & (c)

93.

ATO (Supplementary Submission)(PDF format)

94.

Confidential

95.

Confidential

(a)/2

96.

Mr John Crosby (CNAL)(PDF format)

(a)/2

97.

Mr & Mrs R D & M I Gregg (CNAL)(PDF format)

(a)/2

98.

Morton Family Superannuation Fund (CNAL)(PDF format)

(a)/2

99.

Mr Spencer Bell (CNAL)(PDF format)

(a)/2

100.

Name withheld (CNAL)(PDF format)

(a)/2

101.

Mr John Crosby (Supplementary Submission)(CNAL)(PDF format)

(a)/2

102.

Mr & Mrs Richard & Jennifer Kaan (CNAL)(PDF format)

(a)/2

103.

Mr & Mrs P R & V T Marshall (CNAL)(PDF format)

(a)/2

104.

Mr Dominic Galati (CNAL)(PDF format)

(a)/2

105.

Name withheld (CNAL)(PDF format)

(a)/2

106.

Watts Family Superannuation Fund (CNAL)(PDF format)

(a)/2

107.

Saxby Bridge Financial Planning Pty Ltd (CNAL)(PDF format)

(a)/2

108.

Price Waterhouse Coopers (CNAL)(PDF format)

(a)/2

109.

APRA (Supplementary Submission)(EPAS)(PDF format)

110.

Confidential

(a)/2

111.

Mr & Mrs R D & M I Gregg (Supplementary Submission)(CNAL) (PDF format)

(a)/2

112.

Mr & Mrs P R & V T Marshall (Supplementary Submission ) (CNAL)(PDF format)

(a)/2

113.

The McKellar Family Superannuation Fund (CNAL)(PDF format)

(a)/2

114.

Name withheld (SMS)(PDF format)

(a)/2

115.

Mr John Crosby (Supplementary Submission) (CNAL)(PDF format)

(a)/2

116.

Australian Securities & Investments Commission (ASIC) (CNAL)(PDF format)

(a)/2

117.

Mr & Mrs P Sautelle (CNAL)(PDF format)

(a)/2

118.

Mr Phil Dally (CNAL)(PDF format)

(a)/2

119.

Mrs Helen Hills (SMS)(PDF format)

(a)/2

120.

Name withheld (SMS)(PDF format)

(a)/2

121.

APRA (Supplementary Submission)(CNAL)(PDF format)

122.

Confidential

(a)/2

123.

Ms J M Schott (SMS)(PDF format)

(a)/2

124.

Mr & Mrs L & S Morrell (SMS)(PDF format)

(a)/2

125.

Mr Michael Spaulding (SMS)(PDF format)

(a)/1&2

126.

Mr Ian Young (PDF format)

(a)/1&2

127.

Mr Gordon Dilger (PDF format)

(a)/2

128.

Name withheld (SMS)(PDF format)

(a)/2

129.

Ms Cherylyn Harris (SMS)(PDF format)

(a)/2

130.

The Hon Ray Groom MHA (SMS)(PDF format)

(a)/2

131.

Mr & Mrs Arnold & Maureen Sierink (SMS)(PDF format)

(a)/2

132.

Ms Jocelyn Walsh (SMS)(PDF format)

(a)/2

133.

Name withheld (SMS)(PDF format)

(a)/2

134.

Mr & Mrs Neville & Margaret Newman (SMS)(PDF format)

(a)/2

135.

Mr Alastair Shepherd (SMS)(PDF format)

(a)/2

136.

Mr John Woods (SMS)(PDF format)

(a)/2

137.

Mr P C Toomey (SMS)(PDF format)

(a)/2

138.

Mr Jeff Trimmer (CNAL)(PDF format)

(a)/2

139.

Mrs Janice Holland (SMS)(PDF format)

(a)/2

140.

Mr & Mrs Colin & Laurel Trevena (SMS)(PDF format)

(a)/2

141.

Tasmanian Ombudsman (SMS)(PDF format)

(a)/2

142.

Mr John Meyer & Ms Jill Dalrymple (SMS)(PDF format)

(a)/2

143.

Mr & Mrs David & Marie Hudson (CNAL)(PDF format)

(a)/2

144.

Ms Gillian Maguire (SMS)(PDF format)

145.

Confidential

(a)/2

146.

Mr & Mrs G R & M J Shuptrine (Supplementary submission) (CNAL)(PDF format)

(a)/2

147.

John, the Duke of Avram (SMS)(PDF format)

(a)/2

148.

Ms Margaret Mitchell (SMS)(PDF format)

(a)/2

149.

Department of Justice and Industrial Relations (SMS)(PDF format)

(a)/2

150.

The Law Society of Tasmania (SMS)(PDF format)

(a)/2

151.

The Law Society of Tasmania (Supplementary submission) (SMS)(PDF format)

(a)/2

152.

Garrisons Financial Advisers (SMS)(PDF format)

(a)/2

153.

Tasmania Police (SMS)(PDF format)

(a)/2

154.

Mr Arnold Sierink (Supplementary submission)(SMS)(PDF format)

(a)/2

155.

Mr Peter Worrall (SMS)(PDF format)

156.

Confidential

(a)/2

157.

Mr & Mrs Pidd (SMS)(PDF format)

(a)/2

158.

Ms Pev McIntyre (SMS)(PDF format)

(a)/2

159.

Mr N W Tesdorf (SMS)(PDF format)

(a)/2

160.

McCulloch & McCulloch Mortgage Fund (SMS)(PDF format)

(a)/2

161.

Mr Anthony Clennett (SMS)(PDF format)

(a)/2

162.

D W & I M Tapping (SMS)(PDF format)

(a)/2

163.

Piggott Wood & Baker (SMS)(PDF format)

(a)/2

164.

Mr Peter Kang-Scheit (SMS)(PDF format)

(a)/2

165.

Mr Jon Jovanovic (SMS)(PDF format)

(a)/2

166.

Rae & Partners, Lawyers (SMS)(PDF format)

(a)/2

167.

Mr N W Tesdorf (CNAL)(PDF format)

(a)/2

168.

Ms Anne Moutafis OAM (SMS)(PDF format)

(a)/2

169.

Mr Charles Phillips (SMS)(PDF format)

170.

Confidential

(a)/2

171.

Department of Justice & Industrial Relations (Supplementary submission) (SMS)(PDF format)

(a)/2

172.

Mr James G Turner(SMS)(PDF format)

(a)/2

173.

E R Henry Wherrett & Benjamin (SMS)(PDF format)

174.

Confidential

(a)/2

175.

Mr David Newitt (SMS)(PDF format)

(a)/2

176.

Piggott Wood & Baker (SMS)(PDF format)

(a)/2

177.

Tasmanian Trustees Limited (SMS)(PDF format)

(a)/2

178.

Paul Cook & Associates (SMS)(PDF format)

(a)/2

179.

Eastside Financial Services (SMS)(PDF format)

(a)/2

180.

Resource Management & Planing Appeal Tribunal (SMS)(PDF format)

(a)/2

181.

Mr & Mrs A D & M Oldham (Supplementary Submission)(SMS) (PDF format)

(a)/2

182.

Kingborough Council (SMS)(PDF format)

(a)/2

183.

Dobson, Mitchell & Allport (SMS)(PDF format)

(a)/2

184.

Mr & Mrs Arnold & Maureen Sierink (Supplementary Submission)(SMS)(PDF format)

(a)/2

185.

Garrisons Pty Ltd (Supplementary Submission)(SMS)(PDF format)

(a)/2

186.

Mr D Gillie, Mrs S Sutcliffe & Mr B Griffin (SMS)(PDF format)

(a)/2

187.

Barringtons (SMS)(PDF format)

(a)/2

188.

Mr Mark Johnson (SMS)(PDF format)

(a)/2

189.

Mr Donald Hurburgh (SMS)(PDF format)

(a)/2

190.

Legal Ombudsman, Tasmania (SMS)(PDF format)

(a)/2

191.

Murdoch Clarke (SMS)(PDF format)

(a)/2

192.

Official Liquidator of D W & I M Tapping Pty Ltd (SMS)(PDF format)

(a)/1

193.

Australian Stock Exchange Limited (ASX)(PDF format)

(a)/2

194.

Mr J Meyer (Supplementary Submission)(SMS)(PDF format)

(a)/2

195.

Mr Sydney Dwyer (SMS)(PDF format)

(a)/2

196.

The Solicitors' Trust (SMS)(PDF format)

(a)/1&2

197.

APRA (Supplementary Submission)(CNAL)(PDF format)

(a)/2

198.

Australian Securities and Investments Commission (ASIC) (Supplementary Submission)(SMS)(PDF format)

(a)/2

199.

Australian Property Institute (Tasmanian Division (SMS)(PDF format)

(a)/2

200.

Valuers Registration Board (SMS)(PDF format)

(a)/2

201.

The Law Society of Tasmania (Supplementary Submission) (SMS)(PDF format)

(a)/2

202.

Garrisons Pty Limited (Supplementary Submission)(SMS)(PDF format)

203.

Confidential

204.

Confidential

(a)/2

205.

Sorell Council (SMS)(PDF format)

(a)/2

206.

Garrisons Corporate Services (Supplementary Submission) (SMS)(PDF format)

(a)/2

207.

Mr Peter Worrall (Supplementary Submission)(SMS)(PDF format)

(a)/2

208.

The Law Society of Tasmania (Supplementary Submission) (SMS)(PDF format)

(a)/1

209.

Australian Stock Exchange Limited (Supplementary Submission)(PDF format)

(a)/2

210.

Department of Police and Public Safety, Tasmania (Supplementary Submission)(SMS)(PDF format)

(a)/2

211.

P G Brownrigg & Associates (SMS)(PDF format)

(a)/2

212.

Mr Jeff Trimmer (Supplementary Submission)(CNAL)(PDF format)

(a)/2

213.

Department of Justice & Industrial Relations, Tasmania (Supplementary Submission)(SMS)(PDF format)

(a)/2

214.

Name withheld (SMS)(PDF format)

(a)/1

215.

Australian Securities & Investments Commission (Supplementary Submission)(PDF format)

(a)/1

216.

APRA (Supplementary Submission)(PDF format)

(a)/2

217.

Mrs Janice Holland (Supplementary Submission)(SMS)(PDF format)

218.

Confidential

219.

Confidential

(a)/2

220.

Official Liquidator of Commercial Nominees of Australia Limited (CNAL)(PDF format)

(a)/2

221.

Australian Securities & Investments Commission (Supplementary Submission)(SMS)(PDF format)

(a)/2

222.

Arthur Andersen (CNAL)(PDF format)

223.

Confidential

(a)/3

224.

National Institute of Accountants (Auditing)(PDF format)

(a)/1&2

225.

APRA (Supplementary Submission)(CNAL)(PDF format)

(a)/2

226.

Ferrier Hodgson Management (CNAL)(PDF format)

(a)/2

227.

Mr S P Dwyer (Supplementary Submission)(SMS)(PDF format)

(a)/2

228.

Murdoch Clarke (Supplementary Submission)(SMS)(PDF format)

(a)/2

229.

Mr C E Clark (SMS)(PDF format)

(a)/2

230.

Clerk Walker & Stops (SMS)(PDF format)

(a)/2

231.

Garrisons Corporate Services (Supplementary Submission) (SMS)(PDF format)

(a)/1

232.

APRA (Supplementary Submission) PDF format)

(a)/2

233.

APRA (Supplementary Submission)(CNAL)(PDF format)

(a)/2

234.

Legal Ombudsman (Tasmania)(Supplementary Submission) (SMS)(PDF format)

(a)/2

235.

Australian Property Institute, Tasmanian Division (SMS)(PDF format)

(a)/3

236.

The Institute of Chartered Accountants in Australia (Auditing) (PDF format)

(a)/3

237.

APRA (Supplementary Submission)(Auditing)(PDF format)