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No mate pretty certain children and the elderly don't go out and buy iPads and foxtel subscriptions, seriously You are obviously talking about some minority or else you work in some office dealing in credit, probably in a radio rentals store and think that every application is some evil...

Well you said yourself now didn't you! 2.5 million Australians live in poverty, woman children and elderly people at the top if the list, I'd say food, warmth and medicine comes before anything else