Appendix 1Submissions and additional information

1. Australian Banking Association (ABA)
2. Certified Public Accountants Australia (CPA Australia)
3. Australian Restructuring Insolvency & Turnaround Association
   1. Supplementary to Submission 3
4. Property Council of Australia
   1. Supplementary to Submission 4
5. Council of Australian life Insurers (CALI)
6. Australian Retail Credit Association (ARCA)
7. Dr Andy Schmulow and Dr Shoshana Dreyfus