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the BIG banks take big risks for big rewards (  so settlements for wrong-doing  barely  dent the management pay-packets )


 fines over 'helping'  a $10 billion startup might even make that exercise a loss-making effort


 i would expect less than 10% of breaches are detected/penalized ( at the big end of town  )


 the Hayne Royal Commission  gave great insight  to the local scene ( i would expect the international players to have a more refined game )


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