This publication outlines the Commonwealth Child Safe Framework requirements and guidance for its implementation.The primary audience for this publication is Commonwealth entities. This publication has been developed to assist entities to understand and implement the requirements of the Commonwealth Child Safe Framework.

Consumers who only make the minimum repayment on their credit card could be paying hundreds of dollars a year in high interest payments. To help, BETA partnered with the Treasury and Westpac to see if reminders could encourage consumers to pay earlier and save money. We found any type of SMS reminder resulted in a $134 (28 per cent) increase in repayments in the following month, compared to those who received no message. However, different SMS messages all had a similar impact and we were unable to detect an effect from sending email reminders. Overall, the findings suggest that sending an SMS reminder to credit card consumers before their payment due date is a simple, cost-effective way to improve their financial wellbeing.

"It is timely that the higher education sector examines paths forward to address and indeed engage in the new environment in which it will work in the future. This fellowship explored two approaches to engage students more deeply in their education. The first approach is generally termed 'interdisciplinary studies' where students define their own program of study; the second approach focuses on topic structure where students are given a wide range of choice and in effect can build a topic that suits their interests."--Page iv.

Two Aboriginal Elders, one of whom had been removed from her family as a child, and the other who was affected by siblings and other family members being removed, provided consent to share their personal stories specifically for this resource, with the vision that people would be better informed and communication improved when delivering care. To respect their privacy, their stories have been de-identified.

Detective Inspector Carl West investigates the murder of the mayor of East Park - businessman and political insider - Doug Clarke.Carl struggles to find a motive for Clarke's murder until his detectives explore the activities of the poker playing East Park Syndicate. If you like a story with twists and surprises, you'll enjoy The East Park Syndicate, the sixth book in Peter Mulraney's Inspector West series.

Budget Initiatives and Explanations of Appropriations Specified by Outcomes and Programs by Entity: Prime Minister and Cabinet Portfolio.

In 2017 the Department of the Prime Minister and Cabinet and Australian Defence Force (Australian Army) undertook a joint review of the Army Aboriginal Community Assistance Programme (AACAP) to assess its efficiency and effectiveness. The review found AACAP is a highly regarded and effective means of achieving positive environmental and primary health outcomes for Aboriginal and Torres Strait Islander communities while providing valuable training outcomes for Army. AACAP's objectives align with the Council of Australian Governments (COAG) 'Closing the Gap' targets in Indigenous disadvantage and with the Australian Government's Indigenous Advancement Strategy (IAS). The report identified areas for potential improvement, recommending greater support for the sustainability of infrastructure and project investment, enhanced employment and training opportunities and strengthening of project governance.

The use of behavioural insights in public policy has traditionally focused on small, low cost 'nudges' to improve communications, increase compliance and enhance the way services are delivered. But BETA has begun to look beyond to identify a smaller set of 'richer veins' where BI can offer high financial and social impact. These areas includes consumer choice, financial decision-making and personal wellbeing.

This researchprojectimplemented a randomizedcontrolledtrial ofthe SEAM program in Terms 3 and 4 ofthe 2016 school year. The purpose of the study was to determine the effects of the SEAM program. The study enrolled 448 treatment group students who were referred to SATOs for potential SEAM intervention, and 448 matched control group students who were not referred to SATOs. Approximately one-third of treatment group students received a compulsory conference notice, approximately one-third of treatment students' families signed an attendance plan, about 20% had a compulsory conference take place, and payment was suspended for approximately 5% of treatment students. No significant differences following any of these interventions were observed between treatment and control students.

"The HIV resilience framework will be of relevance to a wide range of people involved at all levels of the HIV response. We hope it provides encouragement for government decision makers and policy developers to pursue consistent and enabling policy and legislative environments and work cooperatively between jurisdictions and across departments to achieve best practice. Our consultation suggests that consistent legislation with the goal of supporting strong health outcomes, making disclosure safe, and eliminating stigmatising laws is crucial to creating environments in which people with HIV feel safe to access testing, treatment, and care. The HIV resilience framework also contains valuable insights for those who have responsibility for HIV health program management and service delivery, providing guidance to help ensure that programs, services, interventions or strategies supporting people living with HIV are developed and delivered in a way that is mindful of the interlinked twin goals of building personal resilience and eliminating stigma and discrimination." --President's message (page 6).

The purpose of these guidelines is to provide advice to departments and entities on the procedures to be followed when presenting documents to the Parliament.

"We investigate the potential of using high-resolution seismic methods for rock characterization and for targeting of gold deposits at the St. Ives gold camp. The application of seismic methods in hard-rock environments is challenged by complex structures, intrinsically low signal-to-noise ratio, regolith distortions, and access restrictions. If these issues can be addressed, then the unparalleled resolving power of reflection seismic can be used for mineral exploration. Appropriate spatial sampling of the wavefield combined with a survey geometry design and rigorous data processing to incorporate high fold and long offsets are necessary for creation of high-quality seismic images. In the hard-rock environment of Western Australia, accurate static corrections and multiphase velocity analysis are essential processing steps. This is followed by a rigorous quality control following each processing step. In such a case, we show that the role of reflection seismic could be lifted from mere identification of first-order structures to refined lithological analyses. Five deep boreholes with sonic logs and core sample test data wer eused to calibrate 2D seismic images. Despite seismic images were produced with relatively robust scaling it was possible to achieve reasonably high seismic-log correlation across three of the tightly spaced boreholes using a single composite wavelet. Amplitude-versus-offset (AVO) analysis indicated that gold-bearing structures may be related to elevated AVO effect and increased reflectivity. Consequently, partial stack analysis and acoustic and elastic inversions were conducted. These results and impedance crossplots were then evaluated against known gold occurrences. While still in the preliminary stages, hard-rock seismic imaging, inversion, and the application of AVO techniques indicated significant potential for targeting mineral reserves" -- Summary.

"A special challenge of hard rock exploration is to identify targets of interest within complex geological settings. Interpretation of the geology can be made from direct geological observations and knowledge of the area, and from 2D or 3D seismic surveys. These interpretations can be developed into 3D geological models that provide the basis for predictions as to likely targets for drilling and/or mining. To verify these predictions we need to simulate 3D seismic wave propagation in the proposed geological models and compare the simulation results to seismic survey data. To achieve this we convert geological surfaces created in an interpretation software package into discretised block models representing the different lithostratigraphic units, and segment these into discrete volumes to which appropriate density and seismic velocity values are assigned. This approach allows us to scale models appropriately for desired wave propagation parameters and to go from local to global geological models and vice versa. Then we use these digital models with forward modelling codes to undertake numerous 3D acoustic wave simulations. Simulations are performed with single shot and with exploding reflector (located on extracted geological surface) configurations" -- Summary.