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.

The Productivity Commission is to investigate the long-run economic impacts of transport regulatory reforms agreed by COAG in 2008-09 relating to heavy vehicle safety and productivity, rail safety and maritime safety and to make recommendations for further reforms towards a more integrated national market for transport services.

"... The report has been prepared for the purpose of highlighting several areas of concern I have about governance arrangements in SA Health that contribute to risks of corruption, misconduct and maladministration...." -- page 4.

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 National Agreement for Skills and Workforce Development (NASWD) was agreed by the Australian, State and Territory governments in 2009 and updated in 2012. The NASWD sets out goals for skills attainment by Australians through the vocational education and training (VET) system and commitments to reforms to ensure that the system is accessible, produces high quality services and operates efficiently. This study will assess progress made by governments against the NASWD, and whether the agreement is still an effective long-term framework for government policy and cooperation.

"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.

From Trash to Treasure is an intensely honest account of a life powerfully redeemed and is a demonstration of the goodness of God. Lee Habbershaw's journey to recovery from sexual abuse moved me to tears - sometimes in compassion, but often in joy. The book is rich with the landmark of life events and Biblical truths which, layer by layer, led Lee into the powerful teaching and counselling ministry she operates in today. This book could change your life (page 7)

English language -- Textbooks for foreign speakers.

Gould, John, 1804-1881. Monograph of the Trochilidae, or family of humming-birds.

Fishery management -- United States -- History -- 20th century.

Bible. Galatians, III, 28 -- Criticism, interpretation, etc

Architects -- Australia -- 21st century.

Mental illness -- Genetic aspects.

Faith and reason.

Wild plants, Edible.

Virago Press -- History.

Guantánamo Bay Detention Camp.

Walking -- Social aspects.

Feminism and art.

Bible. Genesis -- Criticism, interpretation, etc

Climatic changes -- Effect of human beings on -- Religious aspects -- Christianity.

Families -- China -- Religious aspects.

Punk rock music -- History and criticism.

Architecture -- Australia -- History -- 20th century.

Detective and mystery stories.

Common good.

Secrecy -- Juvenile fiction.

Gun control -- Australia.

Self-perception -- Fiction.

Internet -- Social aspects.