And, artificially protected by the controls, banks would no doubt have carried on lending, including to the overbuilt property sector.

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There are several factors that will affect the labour market in 2013 and no doubt the employment sector will undergo various changes, including further redundancies, a softening mining sector, employee expectations shifting, the retirement of Boomers, Gen X moving into senior management roles and Gen Y influencing the workplace.

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No doubt they regularly turn to ancient codes for behavioral guidance, including the Golden Rule and the 8th and 9th Commandments.

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