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Looks around to see if anyone is surprised the Commerce Commission pulled our their most potent weapon, the +1 wet bus ticket of justice for the precariat

No one is surprised

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In the later years I was working in a government department, Westpac was the service provider for financial transactions. Why not Kiwibank?

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On top of all this, the big banks have been party to the "housing market with bits tacked on" (as @bernardchickey has described it many times) over the past generation.

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