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[null,"Proposed security details"]
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[null,"Proposed loan details",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Proposed loan details"]
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[null,"Total Existing Commitments (monthly)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Existing Commitments (monthly)",{"$f":"SUM(BD38:BG47)","v":0}]
[]
[null,"Living expenses (not including loan repayments declared above)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Living expenses (not including loan repayments declared above)"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly amount",null,null,null,"Comments if not applicable",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly amount",null,null,null,"Comments if not applicable"]
[]
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[null,"Phone / Mobile / Internet / Pay TV (Communications & Media)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"B56","v":"Phone / Mobile / Internet / Pay TV (Communications & Media)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(FORM!AH56=\"\",1,0)","v":1},null,null,null,{"$f":"IF(AND(FORM!AH56=0,FORM!AL56=\"\",CP56=0),1,0)","v":0}]
[null,"Food & Groceries (including take away & dining out)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"B57","v":"Food & Groceries (including take away & dining out)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(FORM!AH57=\"\",1,0)","v":1},null,null,null,{"$f":"IF(AND(FORM!AH57=0,FORM!AL57=\"\",CP57=0),1,0)","v":0}]
[null,"Recreation & Entertainment (including holiday, reading/newspaper, movies & hobbies)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"B58","v":"Recreation & Entertainment (including holiday, reading/newspaper, movies & hobbies)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(FORM!AH58=\"\",1,0)","v":1},null,null,null,{"$f":"IF(AND(FORM!AH58=0,FORM!AL58=\"\",CP58=0),1,0)","v":0}]
[null,"Clothing & Personal Care (including all grooming & personal care costs)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"B59","v":"Clothing & Personal Care (including all grooming & personal care costs)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(FORM!AH59=\"\",1,0)","v":1},null,null,null,{"$f":"IF(AND(FORM!AH59=0,FORM!AL59=\"\",CP59=0),1,0)","v":0}]
[null,"Medical & Health (including doctor visits, prescriptions, chemist & other medical costs)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"B60","v":"Medical & Health (including doctor visits, prescriptions, chemist & other medical costs)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(FORM!AH60=\"\",1,0)","v":1},null,null,null,{"$f":"IF(AND(FORM!AH60=0,FORM!AL60=\"\",CP60=0),1,0)","v":0}]
[null,"Transport (fuel, maintenance, registration and all public transport or ride sharing costs)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"B61","v":"Transport (fuel, maintenance, registration and all public transport or ride sharing costs)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(FORM!AH61=\"\",1,0)","v":1},null,null,null,{"$f":"IF(AND(FORM!AH61=0,FORM!AL61=\"\",CP61=0),1,0)","v":0}]
[null,"Education/childcare expenses (including school fees, books, uniforms, sports, after school care & childcare)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Education/childcare expenses (including school fees, books, uniforms, sports, after school care & childcare)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(FORM!AH62=\"\",IF(SUM(FORM!$BF$4:$BG$7)>0,1,0),0)","v":0},null,null,null,{"$f":"IF(AND(SUM(FORM!$BF$4:$BG$7)>0,FORM!AH62=0,FORM!AL62=\"\",CP62=0),1,0)","v":0}]
[null,"Insurance (includes home, contents, motor vehicle, health, life, trauma & income protection)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Insurance (includes home, contents, motor vehicle, health, life, trauma & income protection)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(FORM!AH63=\"\",1,0)","v":1},null,null,null,{"$f":"IF(AND(FORM!AH63=0,FORM!AL63=\"\",CP63=0),1,0)","v":0}]
[null,"Other (eg cleaning services and all other expenses not mentioned above)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other (eg cleaning services and all other expenses not mentioned above)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(FORM!AH64=\"\",1,0)","v":1},null,null,null,{"$f":"IF(AND(FORM!AH64=0,FORM!AL64=\"\",CP64=0),1,0)","v":0}]
[null,"Total monthly expenses after loan",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AH54:AK64)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total monthly expenses after loan"]
[]
[null,"Annual income details"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!F119","v":0},{"$f":"R68","v":0},{"$f":"S68","v":0},{"$f":"T68","v":0},{"$f":"CALCULATIONS!G119","v":0},{"$f":"V68","v":0},{"$f":"W68","v":0},{"$f":"X68","v":0},{"$f":"CALCULATIONS!H119","v":0},{"$f":"Z68","v":0},{"$f":"AA68","v":0},{"$f":"AB68","v":0},{"$f":"CALCULATIONS!I119","v":0},{"$f":"AD68","v":0},{"$f":"AE68","v":0},{"$f":"AF68","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!$F$121","v":"Applicant 1\n"},null,null,null,{"$f":"CALCULATIONS!$G$121","v":"Applicant 2\n"},null,null,null,{"$f":"CALCULATIONS!$H$121","v":"Applicant 3\n"},null,null,null,{"$f":"CALCULATIONS!$I$121","v":"Applicant 4\n"},null,null,null,"Eligible income"]
[]
[null,"Gross Annual Salary or Wages",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!J123","v":0}]
[null,"Gross Overtime",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!J124","v":0}]
[null,"Gross Bonuses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!J125","v":0}]
[null,"Existing Rental Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!J126","v":0}]
[null,"Proposed Rental Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!J127","v":0}]
[null,"Investment Income ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!J128","v":0}]
[null,"Other Income (e.g. Allowances)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!J129","v":0}]
[null,"Self Employed Income (incl add back)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!J130","v":0}]
[null,"Gross Annual Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(R71:U78)","v":0},null,null,null,{"$f":"SUM(V71:Y78)","v":0},null,null,null,{"$f":"SUM(Z71:AC78)","v":0},null,null,null,{"$f":"SUM(AD71:AG78)","v":0},null,null,null,{"$f":"SUM(AH71:AK78)","v":0}]
[null,"Income Tax",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!C104","v":0},null,null,null,{"$f":"CALCULATIONS!D104","v":0},null,null,null,{"$f":"CALCULATIONS!E104","v":0},null,null,null,{"$f":"CALCULATIONS!F104","v":0},null,null,null,{"$f":"CALCULATIONS!J132","v":0}]
[null,"Medicare Levy",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!C105","v":0},null,null,null,{"$f":"CALCULATIONS!D105","v":0},null,null,null,{"$f":"CALCULATIONS!E105","v":0},null,null,null,{"$f":"CALCULATIONS!F105","v":0},null,null,null,{"$f":"CALCULATIONS!J133","v":0}]
[null,"Negative Gearing Tax Effect",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!C115","v":0},null,null,null,{"$f":"CALCULATIONS!D115","v":0},null,null,null,{"$f":"CALCULATIONS!E115","v":0},null,null,null,{"$f":"CALCULATIONS!F115","v":0},null,null,null,{"$f":"CALCULATIONS!J134","v":0}]
[null,"Tax Free Income (e.g. Family Allowance)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!J135","v":0}]
[null,"Net Annual Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AH79+AH82+AH83-AH80-AH81","v":0}]
[null,"Net Monthly Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AH84/12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"R83+R79","v":0},null,null,null,{"$f":"V83+V79","v":0},null,null,null,{"$f":"Z83+Z79","v":0},null,null,null,{"$f":"AD83+AD79","v":0}]
[null,"Please refer to the lending guidelines for allowable income types and sources"]
[null,"Calculation result"]
[]
[null,"Serviceability results",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Summary"]
[null,"Debt to Income Ratio",null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!$E$152","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net income",null,null,null,null,null,null,null,null,null,null,null,{"$f":"AH85","v":0}]
[null,"Capacity service ratio",null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!$E$153","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Living expenses",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(-CALCULATIONS!E146,0)","v":0}]
[null,"Required threshold",null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!$E$154","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Net disposable income",null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AT91:AW92)","v":0},null,null,null,{"$f":"IF(-AT92=(AH65-AH54),\"\",\"Calculated using HEM Floor\")","v":""}]
[null,"Result",null,null,null,null,null,null,null,null,null,null,null,{"$f":"CALCULATIONS!$E$155","v":"Input incomplete"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Continuing rent/board",null,null,null,null,null,null,null,null,null,null,null,{"$f":"-AH54","v":0}]
[null,"Maximum home loan borrowing capacity*",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(COUNTIFS($X$26:$X$31,\"Investor\",$AF$26:$AF$31,\"Yes\")>0,CALCULATIONS!$E$161,CALCULATIONS!$E$160),0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Continuing commitments",null,null,null,null,null,null,null,null,null,null,null,{"$f":"-BD48","v":0}]
[null,{"$f":"\"*Based on full loan term \"&IF(AV26>0,\"of \"&AV26&\" months \",\"\")&\"being Principal and Interest\"","v":"*Based on full loan term being Principal and Interest"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Proposed commitments",null,null,null,null,null,null,null,null,null,null,null,{"$f":"-BD32","v":0}]
[null,null,null,null,null,null,"Input",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AT93:AW96)","v":0}]
[null,null,null,null,null,null,"Required input",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross borrower commitment level",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(SUM(AT94:AW96)/SUM(AT91),0)","v":0}]
[null,null,null,null,null,null,"Calculation"]
[]
[null,"Rent > Repayment",null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(R75:AG75)/12>BD32","v":false}]

{"sheet":"CALCULATIONS","index":1,"n_rows":180,"n_cols":21,"rows_kept":180,"cut":false,"hidden":true,"merged":[[121,2,121,3],[121,11,121,12]]}
[]
[null,null,"Proposed product calculations"]
[]
[null,null,"Postcode","Property Type","Land Size","State","Category","AFG Cat","Metro Type","Accepted Rates","AFG Policy Engine"]
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[null,{"$f":"B5+1","v":2},{"$f":"FORM!B16","v":0},{"$f":"FORM!H16","v":0},{"$f":"FORM!R16","v":0},{"$f":"IF(AND(D6=0,E6=0),\"\",_xlfn.IFNA(VLOOKUP(C6,POSTCODES!$A:$E,2,0),\"\"))","v":""},{"$f":"IF(AND(D6=0,E6=0),\"\",_xlfn.IFNA(\"Cat \"&VLOOKUP(C6,POSTCODES!A:E,4,0),\"\"))","v":""},{"$f":"IF(AND(D6=0,E6=0),\"\",_xlfn.IFNA(VLOOKUP(C6,POSTCODES!A:E,3,0),\"\"))","v":""},{"$f":"IF(AND(D6=0,E6=0),\"\",_xlfn.IFNA(VLOOKUP(C6,POSTCODES!A:E,5,0),\"\"))","v":""},{"$f":"IF(OR(C6=0,C6=\"\"),\"\",IF(AND(D6=0,E6=0),\"Insufficient Information\",K6))","v":""},{"$f":"IF(COUNTIFS($C$15:$C$20,\"Retro Lite\")=0,IF(COUNTIFS($C$15:$C$20,\"Retro Switch\")=0,_xlfn.XLOOKUP(\"Retro\"&\":\"&D6&\":\"&E6&\":\"&H6&\":\"&I6,'POSTCODE POLICY ENGINE'!A:A,'POSTCODE POLICY ENGINE'!G:G),_xlfn.XLOOKUP(\"Retro SWITCH\"&\":\"&D6&\":\"&E6&\":\"&H6&\":\"&I6,'POSTCODE POLICY ENGINE'!A:A,'POSTCODE POLICY ENGINE'!G:G)),_xlfn.XLOOKUP(\"Retro Lite\"&\":\"&D6&\":\"&E6&\":\"&H6&\":\"&I6,'POSTCODE POLICY ENGINE'!A:A,'POSTCODE POLICY ENGINE'!G:G))","v":{"$error":"#N/A"}}]
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[]
[null,null,"Proposed product calculations"]
[]
[null,null,{"$f":"FORM!B24","v":"Product"},{"$f":"FORM!AJ24","v":"Loan Amount"},{"$f":"FORM!AN24","v":"Assessment rate"},{"$f":"FORM!AR24","v":"Loan rate"},{"$f":"FORM!AV24","v":"Loan terms (mths)"},{"$f":"FORM!AZ24","v":"Interest only period (mths)"},{"$f":"FORM!BD24","v":"Repayments"}]
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[null,5,{"$f":"FORM!B30","v":0},{"$f":"FORM!AJ30","v":0},{"$f":"IFERROR(IF(FORM!B30=\"\",\"\",IF(C19=SETUP!$I$6,MAX(AssessFloorSWITCH,DefAssessSWITCH+F19),MAX(AssessFloor,DefAssess+F19))),\"\")","v":""},{"$f":"FORM!AR30","v":0},{"$f":"FORM!AV30","v":0},{"$f":"FORM!AZ30","v":0},0]
[null,6,{"$f":"FORM!B31","v":0},{"$f":"FORM!AJ31","v":0},{"$f":"IFERROR(IF(FORM!B31=\"\",\"\",IF(C20=SETUP!$I$6,MAX(AssessFloorSWITCH,DefAssessSWITCH+F20),MAX(AssessFloor,DefAssess+F20))),\"\")","v":""},{"$f":"FORM!AR31","v":0},{"$f":"FORM!AV31","v":0},{"$f":"FORM!AZ31","v":0},0]
[]
[]
[null,null,"Information required - Existing"]
[]
[null,null,{"$f":"C40","v":"Product"},"Loan type","Is this tax deductible?","Will this be repaid by proposed loan?","Balance / limit","Remaining term (mths)","Interest only term (mths)","Interest rate","Monthly repayment"]
[null,null,"Home Loan",1,1,1,1,1,1,1,0]
[null,null,"Credit Card",0,0,1,1,0,0,0,0]
[null,null,"Overdraft",0,0,1,1,0,0,0,0]
[null,null,"Line of credit",{"$f":"D26","v":1},1,1,1,1,1,1,0]
[null,null,"Hire Purchase",{"$f":"D$35","v":0},{"$f":"E$35","v":0},1,1,1,0,1,1]
[null,null,"Lease",{"$f":"D$35","v":0},0,1,1,1,0,1,1]
[null,null,"Personal Loan",0,0,1,1,1,0,1,1]
[null,null,"Other Lender Long Term IO Loan",1,1,1,1,0,1,1,0]
[null,null,"Insert new row above"]
[null,null,"Other",0,0,1,1,0,0,0,1]
[]
[]
[null,null,"Existing commitment calculations"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Calculations of repayments"]
[null,null,{"$f":"FORM!B36","v":"Product"},{"$f":"FORM!R36","v":"Loan type"},{"$f":"FORM!Z36","v":"Is this tax deductible?"},{"$f":"FORM!AD36","v":"Will this be repaid by proposed loan?"},{"$f":"FORM!AJ36","v":"Balance / limit"},{"$f":"FORM!AN36","v":"Remaining term (mths)"},{"$f":"FORM!AR36","v":"Interest only term (mths)"},{"$f":"FORM!AV36","v":"Interest rate"},{"$f":"FORM!AZ36","v":"Monthly repayment"},"Repayments",null,"Home Loan","Credit Card","Overdraft","Line of credit","Other Lender Long Term IO Loan","Insert new left","Other"]
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[]
[]
[null,null,"Living expenses"]
[]
[null,null,"HEM floor","Number","Dependants","Gross income inc TF","Floor",null,null,null,null,null,null,"HEM floor","Number","Dependants","Gross income inc TF","Floor"]
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[null,null,"Single4",{"$f":"MIN(FORM!$AT$5-D60-D59-D58,1)","v":0},0,{"$f":"IFERROR(SUM(OFFSET(FORM!$R$86,,(FORM!$AT$4*2+D60+D59+D58)*4,,$D61*4)),0)","v":0},{"$f":"INDEX(OFFSET(HEM!$B$18:$L$18,CALCULATIONS!$E61,),1,MATCH(CALCULATIONS!$F61,HEM!$B$2:$L$2,1))*D61/12","v":0},{"$f":"SUM(D$56:D61)","v":0}]
[null,null,"Total calc",{"$f":"SUM(D58:D61)+SUM(D56:D57)*2","v":0},{"$f":"SUM(E56:E61)","v":0},{"$f":"SUM(F56:F61)","v":0},{"$f":"SUM(G56:G61)","v":0},null,null,null,null,null,null,"Total calc",{"$f":"SUM(O58:O61)+SUM(O56:O57)*2","v":0},{"$f":"SUM(P56:P61)","v":0},{"$f":"SUM(Q56:Q61)","v":0},{"$f":"SUM(R56:R61)","v":0}]
[null,null,"Input from form",null,null,null,{"$f":"FORM!AH65-FORM!AH54","v":0},null,null,null,null,null,null,"Input from form",null,null,null,{"$f":"FORM!AS65-FORM!AS54","v":0}]
[null,null,"Applied living expense",null,null,null,{"$f":"MAX(G62:G63)","v":0},null,null,null,null,null,null,"Applied living expense",null,null,null,{"$f":"MAX(R62:R63)","v":0}]
[]
[null,null,"Checks",null,null,null,null,null,null,null,null,null,null,"Checks"]
[null,null,"Couple",{"$f":"SUM(D56:D57)-FORM!AT4","v":0},null,null,null,null,null,null,null,null,null,"Couple",{"$f":"SUM(O56:O57)-FORM!AT4","v":0}]
[null,null,"Single",{"$f":"SUM(D58:D61)-FORM!$AT$5","v":0},null,null,null,null,null,null,null,null,null,"Single",{"$f":"SUM(O58:O61)-FORM!$AT$5","v":0}]
[null,null,"Dependant",{"$f":"E62-SUM(FORM!BF4:BG7)","v":0},null,null,null,null,null,null,null,null,null,"Dependant",{"$f":"P62-SUM(FORM!BQ4:BR7)","v":0}]
[null,null,"Gross Income",{"$f":"F62-SUM(FORM!R71:AG78)","v":0},null,null,null,null,null,null,null,null,null,"Gross Income",{"$f":"Q62-SUM(FORM!AV86:BC86)","v":0}]
[]
[]
[null,null,"Taxes"]
[]
[null,null,"Negative gearing"]
[null,null,"Negative gearing","Loan amount","Interest rate","Deductible","Applicant 1","Applicant 2","Applicant 3","Applicant 4"]
[null,"Rental income",null,null,null,null,{"$f":"SUM(FORM!R74:U75)","v":0},{"$f":"SUM(FORM!V74:Y75)","v":0},{"$f":"SUM(FORM!Z74:AC75)","v":0},{"$f":"SUM(FORM!AD74:AG75)","v":0}]
[null,null,null,null,null,null,{"$f":"IFERROR(G77/SUM($G$77:$J$77),1)","v":1},{"$f":"IFERROR(H77/SUM($G$77:$J$77),0)","v":0},{"$f":"IFERROR(I77/SUM($G$77:$J$77),0)","v":0},{"$f":"IFERROR(J77/SUM($G$77:$J$77),0)","v":0}]
[null,"Proposed Loan"]
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[null,2,{"$f":"IF(AND(FORM!X27=\"Investor\",FORM!AF27=\"Yes\"),1,0)","v":0},{"$f":"MIN(FORM!AJ27*C81,NegGrCap-SUM(D$79:D80))","v":0},{"$f":"FORM!$AN$26*CALCULATIONS!$C81","v":{"$error":"#VALUE!"}},{"$f":"D81*E81","v":{"$error":"#VALUE!"}},{"$f":"IFERROR($F81*G$78,0)","v":0},0,0,0]
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[null,4,{"$f":"IF(AND(FORM!X29=\"Investor\",FORM!AF29=\"Yes\"),1,0)","v":0},{"$f":"MIN(FORM!AJ29*C83,NegGrCap-SUM(D$79:D82))","v":0},{"$f":"FORM!$AN$26*CALCULATIONS!$C83","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0,0,0,0]
[null,5,{"$f":"IF(AND(FORM!X30=\"Investor\",FORM!AF30=\"Yes\"),1,0)","v":0},{"$f":"MIN(FORM!AJ30*C84,NegGrCap-SUM(D$79:D83))","v":0},{"$f":"FORM!$AN$26*CALCULATIONS!$C84","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0,0,0,0]
[null,6,{"$f":"IF(AND(FORM!X31=\"Investor\",FORM!AF31=\"Yes\"),1,0)","v":0},{"$f":"MIN(FORM!AJ31*C85,NegGrCap-SUM(D$79:D84))","v":0},{"$f":"FORM!$AN$26*CALCULATIONS!$C85","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0,0,0,0]
[]
[null,"Existing Loan"]
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[null,3,{"$f":"IF(AND(FORM!R40=\"Investor\",FORM!Z40=\"Yes\",FORM!AD40=\"No\"),1,0)","v":0},{"$f":"MIN(FORM!AJ40*C90,NegGrCap-SUM(D$79:D89))","v":0},{"$f":"FORM!$AN$26*CALCULATIONS!$C90","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0,0,0,0]
[null,4,{"$f":"IF(AND(FORM!R41=\"Investor\",FORM!Z41=\"Yes\",FORM!AD41=\"No\"),1,0)","v":0},{"$f":"MIN(FORM!AJ41*C91,NegGrCap-SUM(D$79:D90))","v":0},{"$f":"FORM!$AN$26*CALCULATIONS!$C91","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0,0,0,0]
[null,5,{"$f":"IF(AND(FORM!R42=\"Investor\",FORM!Z42=\"Yes\",FORM!AD42=\"No\"),1,0)","v":0},{"$f":"MIN(FORM!AJ42*C92,NegGrCap-SUM(D$79:D91))","v":0},{"$f":"FORM!$AN$26*CALCULATIONS!$C92","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0,0,0,0]
[null,6,{"$f":"IF(AND(FORM!R43=\"Investor\",FORM!Z43=\"Yes\",FORM!AD43=\"No\"),1,0)","v":0},{"$f":"MIN(FORM!AJ43*C93,NegGrCap-SUM(D$79:D92))","v":0},{"$f":"FORM!$AN$26*CALCULATIONS!$C93","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0,0,0,0]
[null,7,{"$f":"IF(AND(FORM!R44=\"Investor\",FORM!Z44=\"Yes\",FORM!AD44=\"No\"),1,0)","v":0},{"$f":"MIN(FORM!AJ44*C94,NegGrCap-SUM(D$79:D93))","v":0},{"$f":"FORM!$AN$26*CALCULATIONS!$C94","v":{"$error":"#VALUE!"}},{"$f":"D94*E94","v":{"$error":"#VALUE!"}},0,0,0,0]
[null,8,{"$f":"IF(AND(FORM!R45=\"Investor\",FORM!Z45=\"Yes\",FORM!AD45=\"No\"),1,0)","v":0},{"$f":"MIN(FORM!AJ45*C95,NegGrCap-SUM(D$79:D94))","v":0},{"$f":"FORM!$AN$26*CALCULATIONS!$C95","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0,0,0,0]
[null,9,{"$f":"IF(AND(FORM!R46=\"Investor\",FORM!Z46=\"Yes\",FORM!AD46=\"No\"),1,0)","v":0},{"$f":"MIN(FORM!AJ46*C96,NegGrCap-SUM(D$79:D95))","v":0},{"$f":"FORM!$AN$26*CALCULATIONS!$C96","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0,0,0,0]
[null,10,{"$f":"IF(AND(FORM!R47=\"Investor\",FORM!Z47=\"Yes\",FORM!AD47=\"No\"),1,0)","v":0},{"$f":"MIN(FORM!AJ47*C97,NegGrCap-SUM(D$79:D96))","v":0},{"$f":"FORM!$AN$26*CALCULATIONS!$C97","v":{"$error":"#VALUE!"}},{"$error":"#VALUE!"},0,0,0,0]
[]
[null,"Total",null,null,null,null,{"$f":"SUM(G80:G98)","v":0},{"$f":"SUM(H80:H98)","v":0},0,0]
[]
[]
[null,null,"Applicant 1","Applicant 2","Applicant 3","Applicant 4"]
[null,"Gross income",{"$f":"F131","v":0},{"$f":"G131","v":0},0,0]
[null,"Income tax",{"$f":"IFERROR(INDEX(tbl_IncTax[Carry through],MATCH(C103,tbl_IncTax[Lower limit],1))+(C103-INDEX(tbl_IncTax[Lower limit],MATCH(C103,tbl_IncTax[Lower limit],1)))*INDEX(tbl_IncTax[Incremental Rate],MATCH(C103,tbl_IncTax[Lower limit],1)),0)","v":0},{"$f":"IFERROR(INDEX(tbl_IncTax[Carry through],MATCH(D103,tbl_IncTax[Lower limit],1))+(D103-INDEX(tbl_IncTax[Lower limit],MATCH(D103,tbl_IncTax[Lower limit],1)))*INDEX(tbl_IncTax[Incremental Rate],MATCH(D103,tbl_IncTax[Lower limit],1)),0)","v":0},{"$f":"IFERROR(INDEX(tbl_IncTax[Carry through],MATCH(E103,tbl_IncTax[Lower limit],1))+(E103-INDEX(tbl_IncTax[Lower limit],MATCH(E103,tbl_IncTax[Lower limit],1)))*INDEX(tbl_IncTax[Incremental Rate],MATCH(E103,tbl_IncTax[Lower limit],1)),0)","v":0},{"$f":"IFERROR(INDEX(tbl_IncTax[Carry through],MATCH(F103,tbl_IncTax[Lower limit],1))+(F103-INDEX(tbl_IncTax[Lower limit],MATCH(F103,tbl_IncTax[Lower limit],1)))*INDEX(tbl_IncTax[Incremental Rate],MATCH(F103,tbl_IncTax[Lower limit],1)),0)","v":0}]
[null,"Medicare levy",{"$f":"IFERROR(INDEX(tbl_MedLvy[Carry through],MATCH(C103,tbl_MedLvy[Lower limit],1))+(C103-INDEX(tbl_MedLvy[Lower limit],MATCH(C103,tbl_MedLvy[Lower limit],1)))*INDEX(tbl_MedLvy[Incremental Rate],MATCH(C103,tbl_MedLvy[Lower limit],1)),0)","v":0},{"$f":"IFERROR(INDEX(tbl_MedLvy[Carry through],MATCH(D103,tbl_MedLvy[Lower limit],1))+(D103-INDEX(tbl_MedLvy[Lower limit],MATCH(D103,tbl_MedLvy[Lower limit],1)))*INDEX(tbl_MedLvy[Incremental Rate],MATCH(D103,tbl_MedLvy[Lower limit],1)),0)","v":0},{"$f":"IFERROR(INDEX(tbl_MedLvy[Carry through],MATCH(E103,tbl_MedLvy[Lower limit],1))+(E103-INDEX(tbl_MedLvy[Lower limit],MATCH(E103,tbl_MedLvy[Lower limit],1)))*INDEX(tbl_MedLvy[Incremental Rate],MATCH(E103,tbl_MedLvy[Lower limit],1)),0)","v":0},{"$f":"IFERROR(INDEX(tbl_MedLvy[Carry through],MATCH(F103,tbl_MedLvy[Lower limit],1))+(F103-INDEX(tbl_MedLvy[Lower limit],MATCH(F103,tbl_MedLvy[Lower limit],1)))*INDEX(tbl_MedLvy[Incremental Rate],MATCH(F103,tbl_MedLvy[Lower limit],1)),0)","v":0}]
[]
[null,"With negative gearing"]
[null,"Income with NG",{"$f":"C103-G99","v":0},{"$f":"D103-H99","v":0},{"$f":"E103-I99","v":0},{"$f":"F103-J99","v":0}]
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[null,"Medicare levy",{"$f":"IFERROR(INDEX(tbl_MedLvy[Carry through],MATCH(C108,tbl_MedLvy[Lower limit],1))+(C108-INDEX(tbl_MedLvy[Lower limit],MATCH(C108,tbl_MedLvy[Lower limit],1)))*INDEX(tbl_MedLvy[Incremental Rate],MATCH(C108,tbl_MedLvy[Lower limit],1)),0)","v":0},{"$f":"IFERROR(INDEX(tbl_MedLvy[Carry through],MATCH(D108,tbl_MedLvy[Lower limit],1))+(D108-INDEX(tbl_MedLvy[Lower limit],MATCH(D108,tbl_MedLvy[Lower limit],1)))*INDEX(tbl_MedLvy[Incremental Rate],MATCH(D108,tbl_MedLvy[Lower limit],1)),0)","v":0},{"$f":"IFERROR(INDEX(tbl_MedLvy[Carry through],MATCH(E108,tbl_MedLvy[Lower limit],1))+(E108-INDEX(tbl_MedLvy[Lower limit],MATCH(E108,tbl_MedLvy[Lower limit],1)))*INDEX(tbl_MedLvy[Incremental Rate],MATCH(E108,tbl_MedLvy[Lower limit],1)),0)","v":0},{"$f":"IFERROR(INDEX(tbl_MedLvy[Carry through],MATCH(F108,tbl_MedLvy[Lower limit],1))+(F108-INDEX(tbl_MedLvy[Lower limit],MATCH(F108,tbl_MedLvy[Lower limit],1)))*INDEX(tbl_MedLvy[Incremental Rate],MATCH(F108,tbl_MedLvy[Lower limit],1)),0)","v":0}]
[]
[null,"Adjustments"]
[null,"Income tax",{"$f":"C104-C109","v":0},0,0,0]
[null,"Medicare levy",0,0,0,0]
[null,"Total",{"$f":"SUM(C113:C114)","v":0},{"$f":"SUM(D113:D114)","v":0},0,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2.7E-2]
[]
[]
[null,null,"Income with weighting"]
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[null,null,null,null,null,{"$f":"F122&CHAR(10)&F120","v":"Applicant 1\n"},{"$f":"G122&CHAR(10)&G120","v":"Applicant 2\n"},"Applicant 3\n","Applicant 4\n",null,null,null,null,null,{"$f":"O122&CHAR(10)&O120","v":"Applicant 1\n"},{"$f":"P122&CHAR(10)&P120","v":"Applicant 2\n"}]
[null,null,"Income details",null,"Weighting","Applicant 1","Applicant 2","Applicant 3","Applicant 4","Total",null,"Income details",null,"Weighting","Applicant 1","Applicant 2",null,null,"Total"]
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[null,{"$f":"B123+1","v":2},"Gross Overtime",null,1,{"$f":"FORM!R72*CALCULATIONS!$E124","v":0},{"$f":"FORM!V72*CALCULATIONS!$E124","v":0},{"$f":"FORM!Z72*CALCULATIONS!$E124","v":0},{"$f":"FORM!AD72*CALCULATIONS!$E124","v":0},0,null,"SMSF",null,0.05,{"$f":"FORM!AV72*CALCULATIONS!$N124","v":0},{"$f":"FORM!AZ72*CALCULATIONS!$N124","v":0},null,null,{"$f":"S149","v":{"$error":"#REF!"}}]
[null,{"$f":"B124+1","v":3},"Gross Bonuses",null,1,{"$f":"FORM!R73*CALCULATIONS!$E125","v":0},{"$f":"FORM!V73*CALCULATIONS!$E125","v":0},{"$f":"FORM!Z73*CALCULATIONS!$E125","v":0},{"$f":"FORM!AD73*CALCULATIONS!$E125","v":0},0,null,"Pension",null,{"$f":"INDEX(IncWeightThrive,$B125)","v":0},{"$f":"FORM!AV73*CALCULATIONS!$N125","v":0},{"$f":"FORM!AZ73*CALCULATIONS!$N125","v":0},null,null,{"$f":"IFERROR(SUMPRODUCT(O125:R125,$O$119:$R$119),0)","v":0}]
[null,4,"Existing Rental Income",null,0.8,{"$f":"FORM!R74*CALCULATIONS!$E126","v":0},{"$f":"FORM!V74*CALCULATIONS!$E126","v":0},{"$f":"FORM!Z74*CALCULATIONS!$E126","v":0},{"$f":"FORM!AD74*CALCULATIONS!$E126","v":0},0,null,"Existing Rental Income",null,{"$f":"INDEX(IncWeightThrive,$B126)^YearsToRetire","v":{"$error":"#NUM!"}},{"$f":"FORM!AV74*CALCULATIONS!$N126","v":{"$error":"#NUM!"}},{"$f":"FORM!AZ74*CALCULATIONS!$N126","v":{"$error":"#NUM!"}},null,null,{"$f":"IFERROR(SUMPRODUCT(O126:R126,$O$119:$R$119),0)","v":0},null,"https://www.abs.gov.au/statistics/detailed-methodology-information/information-papers/new-insights-rental-market"]
[null,5,"Proposed Rental Income",null,0.8,{"$f":"FORM!R75*CALCULATIONS!$E127","v":0},{"$f":"FORM!V75*CALCULATIONS!$E127","v":0},{"$f":"FORM!Z75*CALCULATIONS!$E127","v":0},{"$f":"FORM!AD75*CALCULATIONS!$E127","v":0},0,null,"Proposed Rental Income",null,{"$f":"INDEX(IncWeightThrive,$B127)^YearsToRetire","v":{"$error":"#NUM!"}},{"$f":"FORM!AV75*CALCULATIONS!$N127","v":{"$error":"#NUM!"}},{"$f":"FORM!AZ75*CALCULATIONS!$N127","v":{"$error":"#NUM!"}},null,null,{"$f":"IFERROR(SUMPRODUCT(O127:R127,$O$119:$R$119),0)","v":0},null,"https://www.rba.gov.au/publications/bulletin/2023/mar/renters-rent-inflation-and-renter-stress.html?&utm_source=linkedin&utm_medium=staff&utm_campaign=bulletin-2023-mar&utm_content=renter-stress"]
[null,6,"Investment Income ",null,1,{"$f":"FORM!R76*CALCULATIONS!$E128","v":0},{"$f":"FORM!V76*CALCULATIONS!$E128","v":0},{"$f":"FORM!Z76*CALCULATIONS!$E128","v":0},{"$f":"FORM!AD76*CALCULATIONS!$E128","v":0},0,null,"Investment Income ",null,{"$f":"INDEX(IncWeightThrive,$B128)","v":0},{"$f":"FORM!AV76*CALCULATIONS!$N128","v":0},{"$f":"FORM!AZ76*CALCULATIONS!$N128","v":0},null,null,0]
[null,7,"Other Income",null,1,{"$f":"FORM!R77*CALCULATIONS!$E129","v":0},{"$f":"FORM!V77*CALCULATIONS!$E129","v":0},{"$f":"FORM!Z77*CALCULATIONS!$E129","v":0},{"$f":"FORM!AD77*CALCULATIONS!$E129","v":0},0,null,"Other Income",null,{"$f":"INDEX(IncWeightThrive,$B129)","v":0},{"$f":"FORM!AV77*CALCULATIONS!$N129","v":0},{"$f":"FORM!AZ77*CALCULATIONS!$N129","v":0},null,null,0]
[null,8,"Self Employed Income (incl add back)",null,1,{"$f":"FORM!R78*CALCULATIONS!$E130","v":0},{"$f":"FORM!V78*CALCULATIONS!$E130","v":0},{"$f":"FORM!Z78*CALCULATIONS!$E130","v":0},{"$f":"FORM!AD78*CALCULATIONS!$E130","v":0},0,null,"Self Employed Income (incl add back)",null,{"$f":"INDEX(IncWeightThrive,$B130)","v":0},{"$f":"FORM!AV78*CALCULATIONS!$N130","v":0},{"$f":"FORM!AZ78*CALCULATIONS!$N130","v":0},null,null,0]
[null,null,"Gross Annual Income",null,"NA",{"$f":"SUM(F123:F130)","v":0},{"$f":"SUM(G123:G130)","v":0},{"$f":"SUM(H123:H130)","v":0},{"$f":"SUM(I123:I130)","v":0},0,null,"Gross Annual Income",null,"NA",{"$f":"SUM(O123:O130)","v":{"$error":"#NUM!"}},{"$f":"SUM(P123:P130)","v":{"$error":"#NUM!"}},null,null,{"$f":"IFERROR(SUMPRODUCT(O131:R131,$F$119:$I$119),0)","v":0}]
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[null,null,"Medicare Levy",null,"NA",{"$f":"IF(F131=0,0,INDEX(tbl_MedLvy[Carry through],MATCH(F131,tbl_MedLvy[Lower limit],1))+(F131-INDEX(tbl_MedLvy[Lower limit],MATCH(F131,tbl_MedLvy[Lower limit],1)))*INDEX(tbl_MedLvy[Incremental Rate],MATCH(F131,tbl_MedLvy[Lower limit],1)))","v":0},{"$f":"IF(G131=0,0,INDEX(tbl_MedLvy[Carry through],MATCH(G131,tbl_MedLvy[Lower limit],1))+(G131-INDEX(tbl_MedLvy[Lower limit],MATCH(G131,tbl_MedLvy[Lower limit],1)))*INDEX(tbl_MedLvy[Incremental Rate],MATCH(G131,tbl_MedLvy[Lower limit],1)))","v":0},{"$f":"IF(H131=0,0,INDEX(tbl_MedLvy[Carry through],MATCH(H131,tbl_MedLvy[Lower limit],1))+(H131-INDEX(tbl_MedLvy[Lower limit],MATCH(H131,tbl_MedLvy[Lower limit],1)))*INDEX(tbl_MedLvy[Incremental Rate],MATCH(H131,tbl_MedLvy[Lower limit],1)))","v":0},{"$f":"IF(I131=0,0,INDEX(tbl_MedLvy[Carry through],MATCH(I131,tbl_MedLvy[Lower limit],1))+(I131-INDEX(tbl_MedLvy[Lower limit],MATCH(I131,tbl_MedLvy[Lower limit],1)))*INDEX(tbl_MedLvy[Incremental Rate],MATCH(I131,tbl_MedLvy[Lower limit],1)))","v":0},0,null,"Medicare Levy",null,"NA",{"$f":"IF(O131=0,0,INDEX(tbl_MedLvy[Carry through],MATCH(O131,tbl_MedLvy[Lower limit],1))+(O131-INDEX(tbl_MedLvy[Lower limit],MATCH(O131,tbl_MedLvy[Lower limit],1)))*INDEX(tbl_MedLvy[Incremental Rate],MATCH(O131,tbl_MedLvy[Lower limit],1)))","v":{"$error":"#NUM!"}},{"$f":"IF(P131=0,0,INDEX(tbl_MedLvy[Carry through],MATCH(P131,tbl_MedLvy[Lower limit],1))+(P131-INDEX(tbl_MedLvy[Lower limit],MATCH(P131,tbl_MedLvy[Lower limit],1)))*INDEX(tbl_MedLvy[Incremental Rate],MATCH(P131,tbl_MedLvy[Lower limit],1)))","v":{"$error":"#NUM!"}},null,null,0]
[null,9,"Negative Gearing Tax Effect",null,{"$f":"INDEX(IncWeight,$B134)","v":1},{"$f":"FORM!R82*CALCULATIONS!$E134","v":0},{"$f":"FORM!V82*CALCULATIONS!$E134","v":0},{"$f":"FORM!Z82*CALCULATIONS!$E134","v":0},{"$f":"FORM!AD82*CALCULATIONS!$E134","v":0},{"$f":"IFERROR(SUMPRODUCT(F134:I134,$F$119:$I$119),0)","v":0},null,"Negative Gearing Tax Effect",null,{"$f":"INDEX(IncWeight,$B134)","v":1},{"$f":"FORM!AA82*CALCULATIONS!$E134","v":0},{"$f":"FORM!AE82*CALCULATIONS!$E134","v":0},null,null,0]
[null,10,"Tax Free Income (e.g. Family Allowance)",null,{"$f":"INDEX(IncWeight,$B135)","v":1},{"$f":"FORM!R83*CALCULATIONS!$E135","v":0},{"$f":"FORM!V83*CALCULATIONS!$E135","v":0},{"$f":"FORM!Z83*CALCULATIONS!$E135","v":0},{"$f":"FORM!AD83*CALCULATIONS!$E135","v":0},0,null,"Tax Free Income (e.g. Family Allowance)",null,{"$f":"INDEX(IncWeight,$B135)","v":1},{"$f":"FORM!AA83*CALCULATIONS!$E135","v":0},{"$f":"FORM!AE83*CALCULATIONS!$E135","v":0},null,null,0]
[null,null,"Net Annual Income",null,null,null,null,null,null,{"$f":"J131+J134+J135-J132-J133","v":0},null,"Net Annual Income",null,null,null,null,null,null,{"$f":"S131+S134+S135-S132-S133","v":0}]
[null,null,"Net Monthly Income",null,null,null,null,null,null,{"$f":"J136/12","v":0},null,"Net Monthly Income",null,null,null,null,null,null,{"$f":"S136/12","v":0}]
[]
[]
[null,null,"Loan result"]
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[null,null,"Information complete",null,{"$f":"IF(SUM(FORM!DB4:DC5,FORM!DN4:DO7,FORM!DB9,FORM!CF26:CU31,FORM!BJ26,FORM!CZ26:DK31,FORM!BV38:DK47,FORM!CP54:DO64)>0,\"Input incomplete\",\"Yes\")","v":"Input incomplete"},null,"Information complete",null,{"$f":"IF(SUM(FORM!DB4:DC5,FORM!DN4:DO7,FORM!DB9,FORM!CF26:CU31,FORM!BJ26,FORM!CZ26:DK31,FORM!BV38:DK47,FORM!CP54:DO64)>0,\"Input incomplete\",\"Yes\")","v":"Input incomplete"},null,null,null,null,null,{"$f":"IF(FORM!$AT$4>0,\"Couple 1\",IF(FORM!$AT$5>0,\"Single Adult 1\",\"\"))","v":""},{"$f":"IF(FORM!$AT$4>0,\"Couple 1\",IF(FORM!$AT$5>1,\"Single Adult 2\",\"\"))","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"F122&CHAR(10)&F120","v":"Applicant 1\n"},{"$f":"G122&CHAR(10)&G120","v":"Applicant 2\n"}]
[null,null,"Proposed loan result",null,null,null,"Proposed loan result",null,null,null,null,null,null,"Growth"]
[null,null,"Net income",null,{"$f":"J137","v":0},null,"Net income",null,{"$f":"S137","v":0}]
[null,null,"Living expenses",null,{"$f":"G64","v":0},null,"Living expenses",null,{"$f":"R64","v":0},null,null,"Super",null,{"$f":"SuperIndex","v":0},{"$f":"(FORM!#REF!+(FORM!#REF!*FORM!#REF!))*((1+N146)^FORM!#REF!)","v":{"$error":"#REF!"}},{"$f":"(FORM!#REF!+(FORM!#REF!*FORM!#REF!))*((N146+1)^FORM!#REF!)","v":{"$error":"#REF!"}},null,null,{"$f":"IFERROR(SUMPRODUCT(O146:R146,$O$119:$R$119),0)","v":0}]
[null,null,"Net disposable income",null,{"$f":"E145-SUM(E146)","v":0},null,"Net disposable income",null,{"$f":"I145-SUM(I146)","v":0},null,null,"Drawdown",null,null,{"$f":"FORM!#REF!","v":{"$error":"#REF!"}},{"$f":"FORM!#REF!","v":{"$error":"#REF!"}},null,null,{"$f":"O146*O147+P146*P147","v":{"$error":"#REF!"}}]
[null,null,"Rent/board continuing",null,{"$f":"FORM!AH54","v":0},null,"Rent/board continuing",null,{"$f":"FORM!AH54","v":0},null,null,"SMSF",null,{"$f":"SMSFIndex","v":0},{"$f":"(FORM!#REF!+(FORM!#REF!*FORM!#REF!))*((1+N148)^FORM!#REF!)","v":{"$error":"#REF!"}},{"$f":"(FORM!#REF!+(FORM!#REF!*FORM!#REF!))*((N148+1)^FORM!#REF!)","v":{"$error":"#REF!"}},null,null,{"$f":"IFERROR(SUMPRODUCT(O148:R148,$O$119:$R$119),0)","v":0}]
[null,null,"Existing commitments",null,{"$f":"FORM!BD48","v":0},null,"Existing commitments",null,{"$f":"FORM!BD48","v":0},null,null,"Drawdown",null,null,{"$f":"FORM!#REF!","v":{"$error":"#REF!"}},{"$f":"FORM!#REF!","v":{"$error":"#REF!"}},null,null,{"$f":"O148*O149+P148*P149","v":{"$error":"#REF!"}}]
[null,null,"Proposed commitments",null,{"$f":"FORM!BD32","v":0},null,"Proposed commitments",null,{"$f":"FORM!BD32","v":0}]
[null,null,"Total",null,{"$f":"E147-SUM(E148:E150)","v":0},null,"Total",null,{"$f":"I147-SUM(I148:I150)","v":0}]
[null,null,"Debt to Income Ratio",null,{"$f":"IFERROR((SUMIFS(G41:G50,F41:F50,\"No\")+SUM(D15:D20))/(SUM(FORM!$R$79:$AG$79)+SUM(FORM!$R$83:$AG$83)),\"\")","v":""},null,"Debt to Income Ratio",null,{"$f":"IFERROR((SUMIFS(G41:G50,F41:F50,\"No\")+SUM(D15:D20))/(SUM(FORM!$AV$79:$BC$79)+SUM(FORM!$AV$83:$BC$83)),\"\")","v":""}]
[null,null,"Capacity service ratio",null,{"$f":"IFERROR(MAX(E147/SUM(E148:E150),0),\"\")","v":""},null,"Capacity service ratio",null,{"$f":"IFERROR(MAX(I147/SUM(I148:I150),0),\"\")","v":""}]
[null,null,"Threshold",null,{"$f":"IFERROR(IF(SUM(FORM!$DP$26:$DS$31)>=1,CSRConst,CSRDef),CSRDef)","v":1},null,"Threshold",null,{"$f":"IFERROR(IF(SUM(FORM!$DP$26:$DS$31)>=1,CSRConst,CSRDef),CSRDef)","v":1}]
[null,null,"Result",null,{"$f":"IF(E142=\"Yes\",IFERROR(IF(ROUND(E153,3)>=ROUND(E154,3),\"PASS\",\"FAIL\"),\"\"),E142)","v":"Input incomplete"},null,"Result",null,{"$f":"IF(I142=\"Yes\",IFERROR(IF(ROUND(I153,3)>=ROUND(I154,3),\"PASS\",\"FAIL\"),\"\"),I142)","v":"Input incomplete"}]
[]
[null,null,"Max borrow amount"]
[]
[null,null,"Assessment rate",null,{"$f":"MAX(FORM!AN26:AN31)","v":0},null,null,null,null,null,null,"Assessment rate",null,{"$f":"MAX(FORM!AN26:AN31)","v":0}]
[null,null,"Standard",null,{"$f":"MAX(IFERROR(P166,\"\"),0)","v":0},null,null,null,null,null,null,"Standard",null,{"$f":"MAX(IFERROR(Y166,\"\"),0)","v":0}]
[null,null,"Negative gearing",null,{"$f":"MAX(IFERROR(P180,\"\"),0)","v":0},null,null,null,null,null,null,"Negative gearing",null,{"$f":"MAX(IFERROR(Y180,\"\"),0)","v":0}]
[]
[]
[null,null,"Negative gearing max"]
[null,null,"Deduction 1","Deduction 2","Deduction 3","Deduction 4","Taxable 1","Taxable 2","Taxable 3","Taxable 4","Tax & ML 1","Tax & ML 2","Tax & ML 3","Tax & ML 4","Monthly Pmt","Max Amount"]
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[]
[null,null,"Max inc current neg gearing only"]
[null,null,"Deduction 1","Deduction 2","Deduction 3","Deduction 4","Taxable 1","Taxable 2","Taxable 3","Taxable 4","Tax & ML 1","Tax & ML 2","Tax & ML 3","Tax & ML 4","Monthly Pmt","Max Amount"]
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{"sheet":"POSTCODE POLICY ENGINE","index":2,"n_rows":293,"n_cols":9,"rows_kept":293,"cut":false,"hidden":true,"merged":[]}
["ID","Product","Property Type","Landsize","Category","Metro Type","Proposed Policy Engine"]
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["Retro Lite:Vacant Land/Construction:<= 2500sqm:1:Inner City","Retro Lite","Vacant Land/Construction","<= 2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:<= 2500sqm:1:Metro","Retro Lite","Vacant Land/Construction","<= 2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:<= 2500sqm:1:Non Metro","Retro Lite","Vacant Land/Construction","<= 2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:>2500sqm:1:Inner City","Retro","Established Property",">2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:>2500sqm:1:Inner City","Retro","Vacant Land/Construction",">2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:>2500sqm:1:Inner City","Retro","Apartment/Unit/Villa",">2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:>2500sqm:1:Metro","Retro","Established Property",">2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:>2500sqm:1:Metro","Retro","Vacant Land/Construction",">2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:>2500sqm:1:Metro","Retro","Apartment/Unit/Villa",">2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:>2500sqm:1:Non Metro","Retro","Established Property",">2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:>2500sqm:1:Non Metro","Retro","Vacant Land/Construction",">2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:>2500sqm:1:Non Metro","Retro","Apartment/Unit/Villa",">2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:>2500sqm:1:Inner City","Retro Lite","Established Property",">2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:>2500sqm:1:Inner City","Retro Lite","Vacant Land/Construction",">2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:>2500sqm:1:Inner City","Retro Lite","Apartment/Unit/Villa",">2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:>2500sqm:1:Metro","Retro Lite","Established Property",">2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:>2500sqm:1:Metro","Retro Lite","Vacant Land/Construction",">2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:>2500sqm:1:Metro","Retro Lite","Apartment/Unit/Villa",">2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:>2500sqm:1:Non Metro","Retro Lite","Established Property",">2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:>2500sqm:1:Non Metro","Retro Lite","Vacant Land/Construction",">2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:>2500sqm:1:Non Metro","Retro Lite","Apartment/Unit/Villa",">2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:<= 2500sqm:1:Inner City","Retro","Established Property","<= 2500sqm",1,"Inner City","Promotional Interest Rates with loan sizes up to $2.0M"]
["Retro:Established Property:<= 2500sqm:1:Metro","Retro","Established Property","<= 2500sqm",1,"Metro","Promotional Interest Rates with loan sizes up to $2.0M"]
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["Retro:Apartment/Unit/Villa:<= 2500sqm:1:Non Metro","Retro","Apartment/Unit/Villa","<= 2500sqm",1,"Non Metro","Promotional Interest Rates with loan sizes up to $2.0M"]
["Retro Lite:Established Property:<= 2500sqm:1:Inner City","Retro Lite","Established Property","<= 2500sqm",1,"Inner City","Retro Lite Interest Rates with loan sizes up to $2.0M"]
["Retro Lite:Apartment/Unit/Villa:<= 2500sqm:1:Inner City","Retro Lite","Apartment/Unit/Villa","<= 2500sqm",1,"Inner City","Retro Lite Interest Rates with loan sizes up to $2.0M"]
["Retro Lite:Established Property:<= 2500sqm:1:Metro","Retro Lite","Established Property","<= 2500sqm",1,"Metro","Retro Lite Interest Rates with loan sizes up to $2.0M"]
["Retro Lite:Apartment/Unit/Villa:<= 2500sqm:1:Metro","Retro Lite","Apartment/Unit/Villa","<= 2500sqm",1,"Metro","Retro Lite Interest Rates with loan sizes up to $2.0M"]
["Retro Lite:Established Property:<= 2500sqm:1:Non Metro","Retro Lite","Established Property","<= 2500sqm",1,"Non Metro","Retro Lite Interest Rates with loan sizes up to $2.0M"]
["Retro Lite:Apartment/Unit/Villa:<= 2500sqm:1:Non Metro","Retro Lite","Apartment/Unit/Villa","<= 2500sqm",1,"Non Metro","Retro Lite Interest Rates with loan sizes up to $2.0M"]
["Retro:Apartment/Unit/Villa:<= 2500sqm:1:Inner City","Retro","Apartment/Unit/Villa","<= 2500sqm",1,"Inner City","Promotional Interest Rates with loan sizes up to $2.0M"]
["Retro:Established Property:<= 2500sqm:2:Inner City","Retro","Established Property","<= 2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:<= 2500sqm:2:Inner City","Retro","Vacant Land/Construction","<= 2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:<= 2500sqm:2:Inner City","Retro","Apartment/Unit/Villa","<= 2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:<= 2500sqm:2:Non Metro","Retro","Vacant Land/Construction","<= 2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:<= 2500sqm:2:Inner City","Retro Lite","Established Property","<= 2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:<= 2500sqm:2:Inner City","Retro Lite","Vacant Land/Construction","<= 2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:<= 2500sqm:2:Inner City","Retro Lite","Apartment/Unit/Villa","<= 2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:<= 2500sqm:2:Metro","Retro Lite","Established Property","<= 2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:<= 2500sqm:2:Metro","Retro Lite","Vacant Land/Construction","<= 2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:<= 2500sqm:2:Metro","Retro Lite","Apartment/Unit/Villa","<= 2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:<= 2500sqm:2:Non Metro","Retro Lite","Established Property","<= 2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:<= 2500sqm:2:Non Metro","Retro Lite","Vacant Land/Construction","<= 2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:<= 2500sqm:2:Non Metro","Retro Lite","Apartment/Unit/Villa","<= 2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:>2500sqm:2:Inner City","Retro","Established Property",">2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:>2500sqm:2:Inner City","Retro","Vacant Land/Construction",">2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:>2500sqm:2:Inner City","Retro","Apartment/Unit/Villa",">2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:>2500sqm:2:Metro","Retro","Established Property",">2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:>2500sqm:2:Metro","Retro","Vacant Land/Construction",">2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:>2500sqm:2:Metro","Retro","Apartment/Unit/Villa",">2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:>2500sqm:2:Non Metro","Retro","Established Property",">2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:>2500sqm:2:Non Metro","Retro","Vacant Land/Construction",">2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:>2500sqm:2:Non Metro","Retro","Apartment/Unit/Villa",">2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:>2500sqm:2:Inner City","Retro Lite","Established Property",">2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:>2500sqm:2:Inner City","Retro Lite","Vacant Land/Construction",">2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:>2500sqm:2:Inner City","Retro Lite","Apartment/Unit/Villa",">2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:>2500sqm:2:Metro","Retro Lite","Established Property",">2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:>2500sqm:2:Metro","Retro Lite","Vacant Land/Construction",">2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:>2500sqm:2:Metro","Retro Lite","Apartment/Unit/Villa",">2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM"]
[{"$f":"B66&\":\"&C66&\":\"&D66&\":\"&E66&\":\"&F66","v":"Retro Lite:Established Property:>2500sqm:2:Non Metro"},"Retro Lite","Established Property",">2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:>2500sqm:2:Non Metro","Retro Lite","Vacant Land/Construction",">2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:>2500sqm:2:Non Metro","Retro Lite","Apartment/Unit/Villa",">2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:<= 2500sqm:2:Metro","Retro","Established Property","<= 2500sqm",2,"Metro","Promotional Interest Rates with Loan sizes up to $2.0M"]
["Retro:Vacant Land/Construction:<= 2500sqm:2:Metro","Retro","Vacant Land/Construction","<= 2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:<= 2500sqm:2:Metro","Retro","Apartment/Unit/Villa","<= 2500sqm",2,"Metro","Promotional Interest Rates with Loan sizes up to $2.0M"]
["Retro:Established Property:<= 2500sqm:2:Non Metro","Retro","Established Property","<= 2500sqm",2,"Non Metro","Promotional Interest Rates with Loan sizes up to $2.0M"]
["Retro:Apartment/Unit/Villa:<= 2500sqm:2:Non Metro","Retro","Apartment/Unit/Villa","<= 2500sqm",2,"Non Metro","Promotional Interest Rates with Loan sizes up to $2.0M"]
["Retro:Established Property:<= 2500sqm:3:Inner City","Retro","Established Property","<= 2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:<= 2500sqm:3:Inner City","Retro","Vacant Land/Construction","<= 2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:<= 2500sqm:3:Inner City","Retro","Apartment/Unit/Villa","<= 2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:<= 2500sqm:3:Metro","Retro","Established Property","<= 2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:<= 2500sqm:3:Metro","Retro","Vacant Land/Construction","<= 2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:<= 2500sqm:3:Metro","Retro","Apartment/Unit/Villa","<= 2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:<= 2500sqm:3:Non Metro","Retro","Established Property","<= 2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:<= 2500sqm:3:Non Metro","Retro","Vacant Land/Construction","<= 2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:<= 2500sqm:3:Non Metro","Retro","Apartment/Unit/Villa","<= 2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:<= 2500sqm:3:Inner City","Retro Lite","Established Property","<= 2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:<= 2500sqm:3:Inner City","Retro Lite","Vacant Land/Construction","<= 2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:<= 2500sqm:3:Inner City","Retro Lite","Apartment/Unit/Villa","<= 2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:<= 2500sqm:3:Metro","Retro Lite","Established Property","<= 2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:<= 2500sqm:3:Metro","Retro Lite","Vacant Land/Construction","<= 2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:<= 2500sqm:3:Metro","Retro Lite","Apartment/Unit/Villa","<= 2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:<= 2500sqm:3:Non Metro","Retro Lite","Established Property","<= 2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:<= 2500sqm:3:Non Metro","Retro Lite","Vacant Land/Construction","<= 2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:<= 2500sqm:3:Non Metro","Retro Lite","Apartment/Unit/Villa","<= 2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:>2500sqm:3:Inner City","Retro","Established Property",">2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:>2500sqm:3:Inner City","Retro","Vacant Land/Construction",">2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:>2500sqm:3:Inner City","Retro","Apartment/Unit/Villa",">2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:>2500sqm:3:Metro","Retro","Established Property",">2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:>2500sqm:3:Metro","Retro","Vacant Land/Construction",">2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:>2500sqm:3:Metro","Retro","Apartment/Unit/Villa",">2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:>2500sqm:3:Non Metro","Retro","Established Property",">2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:>2500sqm:3:Non Metro","Retro","Vacant Land/Construction",">2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:>2500sqm:3:Non Metro","Retro","Apartment/Unit/Villa",">2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:>2500sqm:3:Inner City","Retro Lite","Established Property",">2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:>2500sqm:3:Inner City","Retro Lite","Vacant Land/Construction",">2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:>2500sqm:3:Inner City","Retro Lite","Apartment/Unit/Villa",">2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:>2500sqm:3:Metro","Retro Lite","Established Property",">2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:>2500sqm:3:Metro","Retro Lite","Vacant Land/Construction",">2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:>2500sqm:3:Metro","Retro Lite","Apartment/Unit/Villa",">2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:>2500sqm:3:Non Metro","Retro Lite","Established Property",">2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:>2500sqm:3:Non Metro","Retro Lite","Vacant Land/Construction",">2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:>2500sqm:3:Non Metro","Retro Lite","Apartment/Unit/Villa",">2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:<= 2500sqm:Other:Inner City","Retro","Established Property","<= 2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:<= 2500sqm:Other:Inner City","Retro","Vacant Land/Construction","<= 2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:<= 2500sqm:Other:Inner City","Retro","Apartment/Unit/Villa","<= 2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:<= 2500sqm:Other:Metro","Retro","Established Property","<= 2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:<= 2500sqm:Other:Metro","Retro","Vacant Land/Construction","<= 2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:<= 2500sqm:Other:Metro","Retro","Apartment/Unit/Villa","<= 2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:<= 2500sqm:Other:Non Metro","Retro","Established Property","<= 2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:<= 2500sqm:Other:Non Metro","Retro","Vacant Land/Construction","<= 2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:<= 2500sqm:Other:Non Metro","Retro","Apartment/Unit/Villa","<= 2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:<= 2500sqm:Other:Inner City","Retro Lite","Established Property","<= 2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:<= 2500sqm:Other:Inner City","Retro Lite","Vacant Land/Construction","<= 2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:<= 2500sqm:Other:Inner City","Retro Lite","Apartment/Unit/Villa","<= 2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:<= 2500sqm:Other:Metro","Retro Lite","Established Property","<= 2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:<= 2500sqm:Other:Metro","Retro Lite","Vacant Land/Construction","<= 2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:<= 2500sqm:Other:Metro","Retro Lite","Apartment/Unit/Villa","<= 2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:<= 2500sqm:Other:Non Metro","Retro Lite","Established Property","<= 2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:<= 2500sqm:Other:Non Metro","Retro Lite","Vacant Land/Construction","<= 2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:<= 2500sqm:Other:Non Metro","Retro Lite","Apartment/Unit/Villa","<= 2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:>2500sqm:Other:Inner City","Retro","Established Property",">2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:>2500sqm:Other:Inner City","Retro","Vacant Land/Construction",">2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
[{"$f":"B130&\":\"&C130&\":\"&D130&\":\"&E130&\":\"&F130","v":"Retro:Apartment/Unit/Villa:>2500sqm:Other:Inner City"},"Retro","Apartment/Unit/Villa",">2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:>2500sqm:Other:Metro","Retro","Established Property",">2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:>2500sqm:Other:Metro","Retro","Vacant Land/Construction",">2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:>2500sqm:Other:Metro","Retro","Apartment/Unit/Villa",">2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Established Property:>2500sqm:Other:Non Metro","Retro","Established Property",">2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Vacant Land/Construction:>2500sqm:Other:Non Metro","Retro","Vacant Land/Construction",">2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro:Apartment/Unit/Villa:>2500sqm:Other:Non Metro","Retro","Apartment/Unit/Villa",">2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:>2500sqm:Other:Inner City","Retro Lite","Established Property",">2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:>2500sqm:Other:Inner City","Retro Lite","Vacant Land/Construction",">2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:>2500sqm:Other:Inner City","Retro Lite","Apartment/Unit/Villa",">2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:>2500sqm:Other:Metro","Retro Lite","Established Property",">2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:>2500sqm:Other:Metro","Retro Lite","Vacant Land/Construction",">2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:>2500sqm:Other:Metro","Retro Lite","Apartment/Unit/Villa",">2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Established Property:>2500sqm:Other:Non Metro","Retro Lite","Established Property",">2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Vacant Land/Construction:>2500sqm:Other:Non Metro","Retro Lite","Vacant Land/Construction",">2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro Lite:Apartment/Unit/Villa:>2500sqm:Other:Non Metro","Retro Lite","Apartment/Unit/Villa",">2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
[]
[{"$f":"B147&\":\"&C147&\":\"&D147&\":\"&E147&\":\"&F147","v":"Retro SWITCH:Established Property:<= 2500sqm:1:Inner City"},"Retro SWITCH","Established Property","<= 2500sqm",1,"Inner City","Promotional Interest Rates with loan sizes up to $1.5M"]
["Retro SWITCH:Apartment/Unit/Villa:<= 2500sqm:1:Inner City","Retro SWITCH","Apartment/Unit/Villa","<= 2500sqm",1,"Inner City","Promotional Interest Rates with loan sizes up to $1.5M"]
["Retro SWITCH:Established Property:<= 2500sqm:2:Inner City","Retro SWITCH","Established Property","<= 2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:<= 2500sqm:2:Inner City","Retro SWITCH","Apartment/Unit/Villa","<= 2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:<= 2500sqm:1:Metro","Retro SWITCH","Established Property","<= 2500sqm",1,"Metro","Promotional Interest Rates with loan sizes up to $1.5M"]
["Retro SWITCH:Apartment/Unit/Villa:<= 2500sqm:1:Metro","Retro SWITCH","Apartment/Unit/Villa","<= 2500sqm",1,"Metro","Promotional Interest Rates with loan sizes up to $1.5M"]
["Retro SWITCH:Established Property:<= 2500sqm:2:Metro","Retro SWITCH","Established Property","<= 2500sqm",2,"Metro","Promotional Interest Rates with loan sizes up to $1.5M"]
["Retro SWITCH:Apartment/Unit/Villa:<= 2500sqm:2:Metro","Retro SWITCH","Apartment/Unit/Villa","<= 2500sqm",2,"Metro","Promotional Interest Rates with loan sizes up to $1.5M"]
["Retro SWITCH:Established Property:<= 2500sqm:1:Non Metro","Retro SWITCH","Established Property","<= 2500sqm",1,"Non Metro","Promotional Interest Rates with loan sizes up to $1.5M"]
["Retro SWITCH:Apartment/Unit/Villa:<= 2500sqm:1:Non Metro","Retro SWITCH","Apartment/Unit/Villa","<= 2500sqm",1,"Non Metro","Promotional Interest Rates with loan sizes up to $1.5M"]
["Retro SWITCH:Established Property:<= 2500sqm:2:Non Metro","Retro SWITCH","Established Property","<= 2500sqm",2,"Non Metro","Promotional Interest Rates with loan sizes up to $1.5M"]
["Retro SWITCH:Apartment/Unit/Villa:<= 2500sqm:2:Non Metro","Retro SWITCH","Apartment/Unit/Villa","<= 2500sqm",2,"Non Metro","Promotional Interest Rates with loan sizes up to $1.5M"]
[]
["Retro SWITCH:Vacant Land/Construction:<= 2500sqm:1:Inner City","Retro SWITCH","Vacant Land/Construction","<= 2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:<= 2500sqm:2:Inner City","Retro SWITCH","Vacant Land/Construction","<= 2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:<= 2500sqm:3:Inner City","Retro SWITCH","Established Property","<= 2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:<= 2500sqm:3:Inner City","Retro SWITCH","Vacant Land/Construction","<= 2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:<= 2500sqm:3:Inner City","Retro SWITCH","Apartment/Unit/Villa","<= 2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:<= 2500sqm:Other:Inner City","Retro SWITCH","Established Property","<= 2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:<= 2500sqm:Other:Inner City","Retro SWITCH","Vacant Land/Construction","<= 2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:<= 2500sqm:Other:Inner City","Retro SWITCH","Apartment/Unit/Villa","<= 2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:<= 2500sqm:1:Metro","Retro SWITCH","Vacant Land/Construction","<= 2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:<= 2500sqm:2:Metro","Retro SWITCH","Vacant Land/Construction","<= 2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:<= 2500sqm:3:Metro","Retro SWITCH","Established Property","<= 2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:<= 2500sqm:3:Metro","Retro SWITCH","Vacant Land/Construction","<= 2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:<= 2500sqm:3:Metro","Retro SWITCH","Apartment/Unit/Villa","<= 2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:<= 2500sqm:Other:Metro","Retro SWITCH","Established Property","<= 2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:<= 2500sqm:Other:Metro","Retro SWITCH","Vacant Land/Construction","<= 2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:<= 2500sqm:Other:Metro","Retro SWITCH","Apartment/Unit/Villa","<= 2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:<= 2500sqm:1:Non Metro","Retro SWITCH","Vacant Land/Construction","<= 2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:<= 2500sqm:2:Non Metro","Retro SWITCH","Vacant Land/Construction","<= 2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:<= 2500sqm:3:Non Metro","Retro SWITCH","Established Property","<= 2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:<= 2500sqm:3:Non Metro","Retro SWITCH","Vacant Land/Construction","<= 2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:<= 2500sqm:3:Non Metro","Retro SWITCH","Apartment/Unit/Villa","<= 2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:<= 2500sqm:Other:Non Metro","Retro SWITCH","Established Property","<= 2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:<= 2500sqm:Other:Non Metro","Retro SWITCH","Vacant Land/Construction","<= 2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:<= 2500sqm:Other:Non Metro","Retro SWITCH","Apartment/Unit/Villa","<= 2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:>2500sqm:1:Inner City","Retro SWITCH","Established Property",">2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:>2500sqm:1:Inner City","Retro SWITCH","Vacant Land/Construction",">2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:>2500sqm:1:Inner City","Retro SWITCH","Apartment/Unit/Villa",">2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:>2500sqm:2:Inner City","Retro SWITCH","Established Property",">2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:>2500sqm:2:Inner City","Retro SWITCH","Vacant Land/Construction",">2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:>2500sqm:2:Inner City","Retro SWITCH","Apartment/Unit/Villa",">2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:>2500sqm:3:Inner City","Retro SWITCH","Established Property",">2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:>2500sqm:3:Inner City","Retro SWITCH","Vacant Land/Construction",">2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:>2500sqm:3:Inner City","Retro SWITCH","Apartment/Unit/Villa",">2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:>2500sqm:Other:Inner City","Retro SWITCH","Established Property",">2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:>2500sqm:Other:Inner City","Retro SWITCH","Vacant Land/Construction",">2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:>2500sqm:Other:Inner City","Retro SWITCH","Apartment/Unit/Villa",">2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:>2500sqm:1:Metro","Retro SWITCH","Established Property",">2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:>2500sqm:1:Metro","Retro SWITCH","Vacant Land/Construction",">2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:>2500sqm:1:Metro","Retro SWITCH","Apartment/Unit/Villa",">2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:>2500sqm:2:Metro","Retro SWITCH","Established Property",">2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:>2500sqm:2:Metro","Retro SWITCH","Vacant Land/Construction",">2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:>2500sqm:2:Metro","Retro SWITCH","Apartment/Unit/Villa",">2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:>2500sqm:3:Metro","Retro SWITCH","Established Property",">2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:>2500sqm:3:Metro","Retro SWITCH","Vacant Land/Construction",">2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:>2500sqm:3:Metro","Retro SWITCH","Apartment/Unit/Villa",">2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:>2500sqm:Other:Metro","Retro SWITCH","Established Property",">2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:>2500sqm:Other:Metro","Retro SWITCH","Vacant Land/Construction",">2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:>2500sqm:Other:Metro","Retro SWITCH","Apartment/Unit/Villa",">2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:>2500sqm:1:Non Metro","Retro SWITCH","Established Property",">2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:>2500sqm:1:Non Metro","Retro SWITCH","Vacant Land/Construction",">2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:>2500sqm:1:Non Metro","Retro SWITCH","Apartment/Unit/Villa",">2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM"]
[{"$f":"B211&\":\"&C211&\":\"&D211&\":\"&E211&\":\"&F211","v":"Retro SWITCH:Established Property:>2500sqm:2:Non Metro"},"Retro SWITCH","Established Property",">2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:>2500sqm:2:Non Metro","Retro SWITCH","Vacant Land/Construction",">2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:>2500sqm:2:Non Metro","Retro SWITCH","Apartment/Unit/Villa",">2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:>2500sqm:3:Non Metro","Retro SWITCH","Established Property",">2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:>2500sqm:3:Non Metro","Retro SWITCH","Vacant Land/Construction",">2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:>2500sqm:3:Non Metro","Retro SWITCH","Apartment/Unit/Villa",">2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Established Property:>2500sqm:Other:Non Metro","Retro SWITCH","Established Property",">2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Vacant Land/Construction:>2500sqm:Other:Non Metro","Retro SWITCH","Vacant Land/Construction",">2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
["Retro SWITCH:Apartment/Unit/Villa:>2500sqm:Other:Non Metro","Retro SWITCH","Apartment/Unit/Villa",">2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM"]
[]
[]
["Retro Thrive:Vacant Land/Construction:<= 2500sqm:1:Inner City","Retro Thrive","Vacant Land/Construction","<= 2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM",null,{"$f":"G296","v":0}]
["Retro Thrive:Vacant Land/Construction:<= 2500sqm:1:Metro","Retro Thrive","Vacant Land/Construction","<= 2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM",null,{"$f":"G297","v":0}]
["Retro Thrive:Vacant Land/Construction:<= 2500sqm:1:Non Metro","Retro Thrive","Vacant Land/Construction","<= 2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:>2500sqm:1:Inner City","Retro Thrive","Established Property",">2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:>2500sqm:1:Inner City","Retro Thrive","Vacant Land/Construction",">2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:>2500sqm:1:Inner City","Retro Thrive","Apartment/Unit/Villa",">2500sqm",1,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:>2500sqm:1:Metro","Retro Thrive","Established Property",">2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:>2500sqm:1:Metro","Retro Thrive","Vacant Land/Construction",">2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:>2500sqm:1:Metro","Retro Thrive","Apartment/Unit/Villa",">2500sqm",1,"Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:>2500sqm:1:Non Metro","Retro Thrive","Established Property",">2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:>2500sqm:1:Non Metro","Retro Thrive","Vacant Land/Construction",">2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:>2500sqm:1:Non Metro","Retro Thrive","Apartment/Unit/Villa",">2500sqm",1,"Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:<= 2500sqm:1:Inner City","Retro Thrive","Established Property","<= 2500sqm",1,"Inner City","Retro Thrive Interest Rates with loan sizes up to $2.0M",null,0]
["Retro Thrive:Established Property:<= 2500sqm:1:Metro","Retro Thrive","Established Property","<= 2500sqm",1,"Metro","Retro Thrive Interest Rates with loan sizes up to $2.0M",null,0]
["Retro Thrive:Apartment/Unit/Villa:<= 2500sqm:1:Metro","Retro Thrive","Apartment/Unit/Villa","<= 2500sqm",1,"Metro","Retro Thrive Interest Rates with loan sizes up to $2.0M",null,0]
["Retro Thrive:Established Property:<= 2500sqm:1:Non Metro","Retro Thrive","Established Property","<= 2500sqm",1,"Non Metro","Retro Thrive Interest Rates with loan sizes up to $2.0M",null,0]
["Retro Thrive:Apartment/Unit/Villa:<= 2500sqm:1:Non Metro","Retro Thrive","Apartment/Unit/Villa","<= 2500sqm",1,"Non Metro","Retro Thrive Interest Rates with loan sizes up to $2.0M",null,0]
["Retro Thrive:Apartment/Unit/Villa:<= 2500sqm:1:Inner City","Retro Thrive","Apartment/Unit/Villa","<= 2500sqm",1,"Inner City","Retro Thrive Interest Rates with loan sizes up to $2.0M",null,0]
["Retro Thrive:Established Property:<= 2500sqm:2:Inner City","Retro Thrive","Established Property","<= 2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:<= 2500sqm:2:Inner City","Retro Thrive","Vacant Land/Construction","<= 2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:<= 2500sqm:2:Inner City","Retro Thrive","Apartment/Unit/Villa","<= 2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:<= 2500sqm:2:Non Metro","Retro Thrive","Vacant Land/Construction","<= 2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:>2500sqm:2:Inner City","Retro Thrive","Established Property",">2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:>2500sqm:2:Inner City","Retro Thrive","Vacant Land/Construction",">2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:>2500sqm:2:Inner City","Retro Thrive","Apartment/Unit/Villa",">2500sqm",2,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:>2500sqm:2:Metro","Retro Thrive","Established Property",">2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:>2500sqm:2:Metro","Retro Thrive","Vacant Land/Construction",">2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:>2500sqm:2:Metro","Retro Thrive","Apartment/Unit/Villa",">2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:>2500sqm:2:Non Metro","Retro Thrive","Established Property",">2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:>2500sqm:2:Non Metro","Retro Thrive","Vacant Land/Construction",">2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:>2500sqm:2:Non Metro","Retro Thrive","Apartment/Unit/Villa",">2500sqm",2,"Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:<= 2500sqm:2:Metro","Retro Thrive","Established Property","<= 2500sqm",2,"Metro","Retro Thrive Interest Rates with loan sizes up to $2.0M",null,0]
["Retro Thrive:Vacant Land/Construction:<= 2500sqm:2:Metro","Retro Thrive","Vacant Land/Construction","<= 2500sqm",2,"Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:<= 2500sqm:2:Metro","Retro Thrive","Apartment/Unit/Villa","<= 2500sqm",2,"Metro","Retro Thrive Interest Rates with loan sizes up to $2.0M",null,0]
["Retro Thrive:Established Property:<= 2500sqm:2:Non Metro","Retro Thrive","Established Property","<= 2500sqm",2,"Non Metro","Retro Thrive Interest Rates with loan sizes up to $2.0M",null,0]
["Retro Thrive:Apartment/Unit/Villa:<= 2500sqm:2:Non Metro","Retro Thrive","Apartment/Unit/Villa","<= 2500sqm",2,"Non Metro","Retro Thrive Interest Rates with loan sizes up to $2.0M",null,0]
["Retro Thrive:Established Property:<= 2500sqm:3:Inner City","Retro Thrive","Established Property","<= 2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:<= 2500sqm:3:Inner City","Retro Thrive","Vacant Land/Construction","<= 2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:<= 2500sqm:3:Inner City","Retro Thrive","Apartment/Unit/Villa","<= 2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:<= 2500sqm:3:Metro","Retro Thrive","Established Property","<= 2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:<= 2500sqm:3:Metro","Retro Thrive","Vacant Land/Construction","<= 2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:<= 2500sqm:3:Metro","Retro Thrive","Apartment/Unit/Villa","<= 2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:<= 2500sqm:3:Non Metro","Retro Thrive","Established Property","<= 2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:<= 2500sqm:3:Non Metro","Retro Thrive","Vacant Land/Construction","<= 2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:<= 2500sqm:3:Non Metro","Retro Thrive","Apartment/Unit/Villa","<= 2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:>2500sqm:3:Inner City","Retro Thrive","Established Property",">2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:>2500sqm:3:Inner City","Retro Thrive","Vacant Land/Construction",">2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:>2500sqm:3:Inner City","Retro Thrive","Apartment/Unit/Villa",">2500sqm",3,"Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:>2500sqm:3:Metro","Retro Thrive","Established Property",">2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:>2500sqm:3:Metro","Retro Thrive","Vacant Land/Construction",">2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:>2500sqm:3:Metro","Retro Thrive","Apartment/Unit/Villa",">2500sqm",3,"Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:>2500sqm:3:Non Metro","Retro Thrive","Established Property",">2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:>2500sqm:3:Non Metro","Retro Thrive","Vacant Land/Construction",">2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:>2500sqm:3:Non Metro","Retro Thrive","Apartment/Unit/Villa",">2500sqm",3,"Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:<= 2500sqm:Other:Inner City","Retro Thrive","Established Property","<= 2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:<= 2500sqm:Other:Inner City","Retro Thrive","Vacant Land/Construction","<= 2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:<= 2500sqm:Other:Inner City","Retro Thrive","Apartment/Unit/Villa","<= 2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:<= 2500sqm:Other:Metro","Retro Thrive","Established Property","<= 2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:<= 2500sqm:Other:Metro","Retro Thrive","Vacant Land/Construction","<= 2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:<= 2500sqm:Other:Metro","Retro Thrive","Apartment/Unit/Villa","<= 2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:<= 2500sqm:Other:Non Metro","Retro Thrive","Established Property","<= 2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:<= 2500sqm:Other:Non Metro","Retro Thrive","Vacant Land/Construction","<= 2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:<= 2500sqm:Other:Non Metro","Retro Thrive","Apartment/Unit/Villa","<= 2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:>2500sqm:Other:Inner City","Retro Thrive","Established Property",">2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:>2500sqm:Other:Inner City","Retro Thrive","Vacant Land/Construction",">2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:>2500sqm:Other:Inner City","Retro Thrive","Apartment/Unit/Villa",">2500sqm","Other","Inner City","Please contact your AFG – Home Loans BRM",null,{"$f":"G361","v":0}]
["Retro Thrive:Established Property:>2500sqm:Other:Metro","Retro Thrive","Established Property",">2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:>2500sqm:Other:Metro","Retro Thrive","Vacant Land/Construction",">2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:>2500sqm:Other:Metro","Retro Thrive","Apartment/Unit/Villa",">2500sqm","Other","Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Established Property:>2500sqm:Other:Non Metro","Retro Thrive","Established Property",">2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Vacant Land/Construction:>2500sqm:Other:Non Metro","Retro Thrive","Vacant Land/Construction",">2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM",null,0]
["Retro Thrive:Apartment/Unit/Villa:>2500sqm:Other:Non Metro","Retro Thrive","Apartment/Unit/Villa",">2500sqm","Other","Non Metro","Please contact your AFG – Home Loans BRM",null,0]

{"sheet":"HEM","index":3,"n_rows":37,"n_cols":16,"rows_kept":37,"cut":false,"hidden":true,"merged":[[35,1,35,8],[36,1,36,8],[4,15,4,24],[5,15,5,24],[6,15,6,24]]}
[null,"House Hold Income Brackets",null,null,null,null,null,null,null,null,"Insert a new column to the left if need additional"]
["From",0,74000,99000,124000,149000,173000,198000,248000,309000,371000]
[]
["To",74000,99000,124000,149000,173000,198000,248000,309000,371000,1000000,null,null,null,null,"Living Expense Assumptions"]
["Couple ",33085.585963158206,35982.635636732091,40127.678981138604,43978.774539267812,48559.415369494127,50843.810720480724,53361.93701666595,59922.816380941178,66217.722568050725,68381.889013556778,null,null,null,null,"Floor Limit implemented HH Inc $54k - $65k"]
["Couple 1",37621.885646388109,40516.195435140566,44657.320666035004,48504.775965597808,53081.08693260204,55363.321992176512,57879.068983105193,64433.746658290002,70722.702568179346,72884.82332945778,null,null,null,null,"Couple and Single Australian Av used"]
["Couple 2",41403.885079503219,44301.484566547893,48447.320209904763,52299.14823898294,56880.662403573442,59165.488004659222,61684.098680238189,68246.227549295916,74542.332587191981,76706.911193351159,null,"Couple per child ",null,null,"Children costs factored as largest amount between the income income scales and locations"]
["Couple 3",44666.60843697044,47569.042998075449,51721.796582461524,55580.051957303505,60169.210093906724,62457.852117755792,64980.662578869727,71553.741332208272,77860.352354208095,80028.542880481487,null,4536.2996832299032,"1st"]
["Couple 4",47988.240124100768,50890.674685205777,55043.428269591852,58901.683644433833,63490.841781037052,65779.483804886113,68302.294266000055,74875.3730193386,81181.984041338423,83350.174567611815,null,3822.0878638933791,"2nd"]
["Couple 5",51309.871811231096,54212.306372336105,58365.05995672218,62223.315331564161,66812.473468167387,69101.115492016441,71623.925953130383,78197.004706468928,84503.615728468751,86671.806254742143,null,3321.6316871303279,"3rd plus "]
["Couple 6",54631.503498361424,57533.938059466433,61686.691643852508,65544.947018694482,70134.105155297715,72422.747179146769,74945.557640260711,81518.636393599256,87825.247415599079,89993.437941872471]
["Couple 7",57953.135185491752,60855.569746596761,65008.323330982836,68866.57870582481,73455.736842428043,75744.378866277097,78267.189327391039,84840.268080729584,91146.879102729406,93315.069629002799]
["Couple 8",61274.76687262208,64177.201433727088,68329.955018113164,72188.210392955138,76777.368529558371,79066.010553407425,81588.821014521367,88161.899767859912,94468.510789859734,96636.701316133127]
["Couple 9",64596.398559752408,67498.833120857424,71651.586705243491,75509.842080085466,80099.000216688699,82387.642240537753,84910.452701651695,91483.53145499024,97790.142476990062,99958.333003263455]
["Couple 10",67918.030246882729,70820.464807987752,74973.218392373819,78831.473767215793,83420.631903819027,85709.27392766808,88232.084388782023,94805.163142120567,101111.77416412039,103279.96469039378]
[]
[]
["Single",19587.25301206069,22488.563512551947,26639.706951321441,30496.46536928256,35083.845648093447,37371.600562922606,39893.432185313373,46463.965048841186,52768.129616346967,54935.479722252006]
["Single 1",24860.406556461825,27756.985966308563,31901.35646635549,35751.826895213613,40331.724172697584,42615.746786625728,45133.4672115496,51693.28446447786,57987.166908165251,60150.982055249289]
["Single 2",30774.508454564057,33663.201793128959,37796.29001161566,41636.27639819769,46203.705652346034,48481.507033313523,50992.374765287015,57534.330695403551,63811.079670564191,65969.001813690105,null,"Single Per Child"]
["Single 3",36688.610352666285,39569.41761994936,43691.223556875833,47520.725901181766,52075.687131994484,54347.267280001302,56851.282319024402,63375.376926329234,69634.992432963132,71787.021572130921,null,5273.1535444011352,"1st"]
["Single 4",42602.712250768513,45483.519518051588,49605.325454978061,53434.827799283994,57989.789030096712,60261.36917810353,62765.38421712663,69289.478824431455,75549.094331065367,77701.123470233142,null,5914.1018981022316,"2nd"]
["Single 5",48516.814148870741,51397.621416153816,55519.427353080289,59348.929697386222,63903.89092819894,66175.471076205751,68679.48611522885,75203.58072253369,81463.196229167603,83615.225368335377,null,5914.101898102228,"3rd plus "]
["Single 6",54430.916046972969,57311.723314256044,61433.529251182517,65263.03159548845,69817.992826301168,72089.572974307986,74593.588013331086,81117.682620635926,87377.298127269838,89529.327266437613]
["Single 7",60345.017945075197,63225.825212358272,67347.631149284745,71177.133493590678,75732.094724403403,78003.674872410222,80507.689911433321,87031.784518738161,93291.400025372073,95443.429164539848]
["Single 8",66259.119843177425,69139.9271104605,73261.733047386981,77091.235391692899,81646.196622505639,83917.776770512457,86421.791809535556,92945.886416840396,99205.501923474309,101357.53106264208]
["Single 9",72173.221741279645,75054.029008562735,79175.834945489216,83005.337289795134,87560.298520607874,89831.878668614692,92335.893707637792,98859.988314942631,105119.60382157654,107271.63296074432]
["Single 10",78087.323639381881,80968.13090666497,85089.936843591451,88919.439187897369,93474.400418710109,95745.980566716928,98249.995605740027,104774.09021304487,111033.70571967878,113185.73485884655]
[]
[]
[]
[]
[]
[]
[]
["Latest updated file","HEM_v3.20_2023Q2_smoothed"]
["Date","2023-08-21"]

{"sheet":"POSTCODES","index":4,"n_rows":2672,"n_cols":5,"rows_kept":2672,"cut":false,"hidden":true,"merged":[]}
["postcode","State","AFG Category","Other","Non metro"]
["0800","NT",1,1,"Metro"]
["0801","NT",1,1,"Metro"]
["0810","NT",1,1,"Metro"]
["0812","NT",1,1,"Metro"]
["0815","NT",1,1,"Metro"]
["0820","NT",1,1,"Metro"]
["0822","NT","Other","Other","Non metro"]
["0828","NT",1,1,"Metro"]
["0829","NT",1,1,"Metro"]
["0830","NT",1,1,"Metro"]
["0832","NT",1,1,"Metro"]
["0834","NT","Other","Other","Non metro"]
["0835","NT",2,2,"Non metro"]
["0836","NT",2,2,"Non metro"]
["0837","NT","Other","Other","Non metro"]
["0838","NT","Other","Other","Non metro"]
["0839","NT","Other","Other","Non metro"]
["0840","NT","Other","Other","Non metro"]
["0841","NT","Other","Other","Non metro"]
["0845","NT","Other","Other","Non metro"]
["0846","NT","Other","Other","Non metro"]
["0847","NT","Other","Other","Non metro"]
["0850","NT",3,3,"Non metro"]
["0852","NT","Other","Other","Non metro"]
["0853","NT","Other","Other","Non metro"]
["0854","NT","Other","Other","Non metro"]
["0860","NT","Other","Other","Non metro"]
["0862","NT","Other","Other","Non metro"]
["0870","NT",2,2,"Non metro"]
["0872","NT","Other","Other","Non metro"]
["0873","NT","Other","Other","Non metro"]
["0874","NT","Other","Other","Non metro"]
["0875","NT","Other","Other","Non metro"]
["0880","NT","Other","Other","Non metro"]
["0885","NT","Other","Other","Non metro"]
["0886","NT","Other","Other","Non metro"]
["2000","NSW",1,1,"Inner city"]
["2006","NSW",1,1,"Metro"]
["2007","NSW",1,1,"Metro"]
["2008","NSW",1,1,"Metro"]
["2009","NSW",1,1,"Metro"]
["2010","NSW",1,1,"Metro"]
["2011","NSW",1,1,"Metro"]
["2015","NSW",1,1,"Metro"]
["2016","NSW",1,1,"Metro"]
["2017","NSW",1,1,"Metro"]
["2018","NSW",1,1,"Metro"]
["2019","NSW",1,1,"Metro"]
["2020","NSW",1,1,"Metro"]
["2021","NSW",1,1,"Metro"]
["2022","NSW",1,1,"Metro"]
["2023","NSW",1,1,"Metro"]
["2024","NSW",1,1,"Metro"]
["2025","NSW",1,1,"Metro"]
["2026","NSW",1,1,"Metro"]
["2027","NSW",1,1,"Metro"]
["2028","NSW",1,1,"Metro"]
["2029","NSW",1,1,"Metro"]
["2030","NSW",1,1,"Metro"]
["2031","NSW",1,1,"Metro"]
["2032","NSW",1,1,"Metro"]
["2033","NSW",1,1,"Metro"]
["2034","NSW",1,1,"Metro"]
["2035","NSW",1,1,"Metro"]
["2036","NSW",1,1,"Metro"]
["2037","NSW",1,1,"Metro"]
["2038","NSW",1,1,"Metro"]
["2039","NSW",1,1,"Metro"]
["2040","NSW",1,1,"Metro"]
["2041","NSW",1,1,"Metro"]
["2042","NSW",1,1,"Metro"]
["2043","NSW",1,1,"Metro"]
["2044","NSW",1,1,"Metro"]
["2045","NSW",1,1,"Metro"]
["2046","NSW",1,1,"Metro"]
["2047","NSW",1,1,"Metro"]
["2048","NSW",1,1,"Metro"]
["2049","NSW",1,1,"Metro"]
["2050","NSW",1,1,"Metro"]
["2052","NSW",1,1,"Metro"]
["2060","NSW",1,1,"Metro"]
["2061","NSW",1,1,"Metro"]
["2062","NSW",1,1,"Metro"]
["2063","NSW",1,1,"Metro"]
["2064","NSW",1,1,"Metro"]
["2065","NSW",1,1,"Metro"]
["2066","NSW",1,1,"Metro"]
["2067","NSW",1,1,"Metro"]
["2068","NSW",1,1,"Metro"]
["2069","NSW",1,1,"Metro"]
["2070","NSW",1,1,"Metro"]
["2071","NSW",1,1,"Metro"]
["2072","NSW",1,1,"Metro"]
["2073","NSW",1,1,"Metro"]
["2074","NSW",1,1,"Metro"]
["2075","NSW",1,1,"Metro"]
["2076","NSW",1,1,"Metro"]
["2077","NSW",1,1,"Metro"]
["2079","NSW",1,1,"Metro"]
["2080","NSW",1,1,"Metro"]
["2081","NSW",1,1,"Metro"]
["2082","NSW",1,1,"Metro"]
["2083","NSW",1,1,"Metro"]
["2084","NSW",1,1,"Metro"]
["2085","NSW",1,1,"Metro"]
["2086","NSW",1,1,"Metro"]
["2087","NSW",1,1,"Metro"]
["2088","NSW",1,1,"Metro"]
["2089","NSW",1,1,"Metro"]
["2090","NSW",1,1,"Metro"]
["2092","NSW",1,1,"Metro"]
["2093","NSW",1,1,"Metro"]
["2094","NSW",1,1,"Metro"]
["2095","NSW",1,1,"Metro"]
["2096","NSW",1,1,"Metro"]
["2097","NSW",1,1,"Metro"]
["2099","NSW",1,1,"Metro"]
["2100","NSW",1,1,"Metro"]
["2101","NSW",1,1,"Metro"]
["2102","NSW",1,1,"Metro"]
["2103","NSW",1,1,"Metro"]
["2104","NSW",1,1,"Metro"]
["2105","NSW",1,1,"Metro"]
["2106","NSW",1,1,"Metro"]
["2107","NSW",1,1,"Metro"]
["2108","NSW",1,1,"Metro"]
["2109","NSW",1,1,"Metro"]
["2110","NSW",1,1,"Metro"]
["2111","NSW",1,1,"Metro"]
["2112","NSW",1,1,"Metro"]
["2113","NSW",1,1,"Metro"]
["2114","NSW",1,1,"Metro"]
["2115","NSW",1,1,"Metro"]
["2116","NSW",1,1,"Metro"]
["2117","NSW",1,1,"Metro"]
["2118","NSW",1,1,"Metro"]
["2119","NSW",1,1,"Metro"]
["2120","NSW",1,1,"Metro"]
["2121","NSW",1,1,"Metro"]
["2122","NSW",1,1,"Metro"]
["2123","NSW",1,1,"Metro"]
["2125","NSW",1,1,"Metro"]
["2126","NSW",1,1,"Metro"]
["2127","NSW",1,1,"Metro"]
["2128","NSW",1,1,"Metro"]
["2129","NSW",1,1,"Metro"]
["2130","NSW",1,1,"Metro"]
["2131","NSW",1,1,"Metro"]
["2132","NSW",1,1,"Metro"]
["2133","NSW",1,1,"Metro"]
["2134","NSW",1,1,"Metro"]
["2135","NSW",1,1,"Metro"]
["2136","NSW",1,1,"Metro"]
["2137","NSW",1,1,"Metro"]
["2138","NSW",1,1,"Metro"]
["2139","NSW",1,1,"Metro"]
["2140","NSW",1,1,"Metro"]
["2141","NSW",1,1,"Metro"]
["2142","NSW",1,1,"Metro"]
["2143","NSW",1,1,"Metro"]
["2144","NSW",1,1,"Metro"]
["2145","NSW",1,1,"Metro"]
["2146","NSW",1,1,"Metro"]
["2147","NSW",1,1,"Metro"]
["2148","NSW",1,1,"Metro"]
["2150","NSW",1,1,"Metro"]
["2151","NSW",1,1,"Metro"]
["2152","NSW",1,1,"Metro"]
["2153","NSW",1,1,"Metro"]
["2154","NSW",1,1,"Metro"]
["2155","NSW",1,1,"Metro"]
["2156","NSW",1,1,"Metro"]
["2157","NSW",1,1,"Metro"]
["2158","NSW",1,1,"Metro"]
["2159","NSW",1,1,"Metro"]
["2160","NSW",1,1,"Metro"]
["2161","NSW",1,1,"Metro"]
["2162","NSW",1,1,"Metro"]
["2163","NSW",1,1,"Metro"]
["2164","NSW",1,1,"Metro"]
["2165","NSW",1,1,"Metro"]
["2166","NSW",1,1,"Metro"]
["2167","NSW",1,1,"Metro"]
["2168","NSW",1,1,"Metro"]
["2170","NSW",1,1,"Metro"]
["2171","NSW",1,1,"Metro"]
["2172","NSW",1,1,"Metro"]
["2173","NSW",1,1,"Metro"]
["2174","NSW",1,1,"Metro"]
["2175","NSW",1,1,"Metro"]
["2176","NSW",1,1,"Metro"]
["2177","NSW",1,1,"Metro"]
["2178","NSW",1,1,"Metro"]
["2179","NSW",1,1,"Metro"]
["2190","NSW",1,1,"Metro"]
["2191","NSW",1,1,"Metro"]
["2192","NSW",1,1,"Metro"]
["2193","NSW",1,1,"Metro"]
["2194","NSW",1,1,"Metro"]
["2195","NSW",1,1,"Metro"]
["2196","NSW",1,1,"Metro"]
["2197","NSW",1,1,"Metro"]
["2198","NSW",1,1,"Metro"]
["2199","NSW",1,1,"Metro"]
["2200","NSW",1,1,"Metro"]
["2203","NSW",1,1,"Metro"]
["2204","NSW",1,1,"Metro"]
["2205","NSW",1,1,"Metro"]
["2206","NSW",1,1,"Metro"]
["2207","NSW",1,1,"Metro"]
["2208","NSW",1,1,"Metro"]
["2209","NSW",1,1,"Metro"]
["2210","NSW",1,1,"Metro"]
["2211","NSW",1,1,"Metro"]
["2212","NSW",1,1,"Metro"]
["2213","NSW",1,1,"Metro"]
["2214","NSW",1,1,"Metro"]
["2216","NSW",1,1,"Metro"]
["2217","NSW",1,1,"Metro"]
["2218","NSW",1,1,"Metro"]
["2219","NSW",1,1,"Metro"]
["2220","NSW",1,1,"Metro"]
["2221","NSW",1,1,"Metro"]
["2222","NSW",1,1,"Metro"]
["2223","NSW",1,1,"Metro"]
["2224","NSW",1,1,"Metro"]
["2225","NSW",1,1,"Metro"]
["2226","NSW",1,1,"Metro"]
["2227","NSW",1,1,"Metro"]
["2228","NSW",1,1,"Metro"]
["2229","NSW",1,1,"Metro"]
["2230","NSW",1,1,"Metro"]
["2231","NSW",1,1,"Metro"]
["2232","NSW",1,1,"Metro"]
["2233","NSW",1,1,"Metro"]
["2234","NSW",1,1,"Metro"]
["2250","NSW",1,1,"Non metro"]
["2251","NSW",1,1,"Non metro"]
["2256","NSW",1,1,"Non metro"]
["2257","NSW",1,1,"Non metro"]
["2258","NSW",1,1,"Non metro"]
["2259","NSW",1,1,"Non metro"]
["2260","NSW",1,1,"Non metro"]
["2261","NSW",1,1,"Non metro"]
["2262","NSW",1,1,"Non metro"]
["2263","NSW",1,1,"Non metro"]
["2264","NSW",1,1,"Non metro"]
["2265","NSW",1,1,"Non metro"]
["2267","NSW",1,1,"Non metro"]
["2278","NSW",1,1,"Non metro"]
["2280","NSW",1,1,"Non metro"]
["2281","NSW",1,1,"Non metro"]
["2282","NSW",1,1,"Non metro"]
["2283","NSW",1,1,"Non metro"]
["2284","NSW",1,1,"Non metro"]
["2285","NSW",1,1,"Non metro"]
["2286","NSW",1,1,"Non metro"]
["2287","NSW",1,1,"Non metro"]
["2289","NSW",1,1,"Non metro"]
["2290","NSW",1,1,"Non metro"]
["2291","NSW",1,1,"Non metro"]
["2292","NSW",1,1,"Non metro"]
["2293","NSW",1,1,"Non metro"]
["2294","NSW",1,1,"Non metro"]
["2295","NSW",1,1,"Non metro"]
["2296","NSW",1,1,"Non metro"]
["2297","NSW",1,1,"Non metro"]
["2298","NSW",1,1,"Non metro"]
["2299","NSW",1,1,"Non metro"]
["2300","NSW",1,1,"Non metro"]
["2302","NSW",1,1,"Non metro"]
["2303","NSW",1,1,"Non metro"]
["2304","NSW",1,1,"Non metro"]
["2305","NSW",1,1,"Non metro"]
["2306","NSW",1,1,"Non metro"]
["2307","NSW",1,1,"Non metro"]
["2308","NSW",1,1,"Non metro"]
["2311","NSW","Other","Other","Non metro"]
["2312","NSW","Other","Other","Non metro"]
["2314","NSW","Other","Other","Non metro"]
["2315","NSW",1,1,"Non metro"]
["2316","NSW",1,1,"Non metro"]
["2317","NSW",1,1,"Non metro"]
["2318","NSW",1,1,"Non metro"]
["2319","NSW",1,1,"Non metro"]
["2320","NSW",1,1,"Non metro"]
["2321","NSW",1,1,"Non metro"]
["2322","NSW",1,1,"Non metro"]
["2323","NSW",1,1,"Non metro"]
["2324","NSW",1,1,"Non metro"]
["2325","NSW",1,1,"Non metro"]
["2326","NSW",2,2,"Non metro"]
["2327","NSW",1,1,"Non metro"]
["2328","NSW","Other","Other","Non metro"]
["2329","NSW","Other","Other","Non metro"]
["2330","NSW",2,2,"Non metro"]
["2331","NSW","Other","Other","Non metro"]
["2333","NSW",2,2,"Non metro"]
["2334","NSW",2,2,"Non metro"]
["2335","NSW",2,2,"Non metro"]
["2336","NSW","Other","Other","Non metro"]
["2337","NSW","Other","Other","Non metro"]
["2338","NSW","Other","Other","Non metro"]
["2339","NSW","Other","Other","Non metro"]
["2340","NSW",1,1,"Non metro"]
["2341","NSW","Other","Other","Non metro"]
["2342","NSW","Other","Other","Non metro"]
["2343","NSW","Other","Other","Non metro"]
["2344","NSW","Other","Other","Non metro"]
["2345","NSW","Other","Other","Non metro"]
["2346","NSW","Other","Other","Non metro"]
["2347","NSW","Other","Other","Non metro"]
["2350","NSW",1,1,"Non metro"]
["2351","NSW","Other","Other","Non metro"]
["2352","NSW","Other","Other","Non metro"]
["2353","NSW","Other","Other","Non metro"]
["2354","NSW","Other","Other","Non metro"]
["2355","NSW","Other","Other","Non metro"]
["2356","NSW","Other","Other","Non metro"]
["2357","NSW","Other","Other","Non metro"]
["2358","NSW","Other","Other","Non metro"]
["2359","NSW","Other","Other","Non metro"]
["2360","NSW",3,3,"Non metro"]
["2361","NSW","Other","Other","Non metro"]
["2365","NSW","Other","Other","Non metro"]
["2369","NSW","Other","Other","Non metro"]
["2370","NSW","Other","Other","Non metro"]
["2371","NSW","Other","Other","Non metro"]
["2372","NSW","Other","Other","Non metro"]
["2379","NSW","Other","Other","Non metro"]
["2380","NSW",3,3,"Non metro"]
["2381","NSW","Other","Other","Non metro"]
["2382","NSW","Other","Other","Non metro"]
["2386","NSW","Other","Other","Non metro"]
["2387","NSW","Other","Other","Non metro"]
["2388","NSW","Other","Other","Non metro"]
["2390","NSW","Other","Other","Non metro"]
["2395","NSW","Other","Other","Non metro"]
["2396","NSW","Other","Other","Non metro"]
["2397","NSW","Other","Other","Non metro"]
["2398","NSW","Other","Other","Non metro"]
["2399","NSW","Other","Other","Non metro"]
["2400","NSW",3,3,"Non metro"]
["2401","NSW","Other","Other","Non metro"]
["2402","NSW","Other","Other","Non metro"]
["2403","NSW","Other","Other","Non metro"]
["2404","NSW","Other","Other","Non metro"]
["2405","NSW","Other","Other","Non metro"]
["2406","NSW","Other","Other","Non metro"]
["2408","NSW","Other","Other","Non metro"]
["2409","NSW","Other","Other","Non metro"]
["2410","NSW","Other","Other","Non metro"]
["2411","NSW","Other","Other","Non metro"]
["2415","NSW","Other","Other","Non metro"]
["2420","NSW","Other","Other","Non metro"]
["2421","NSW","Other","Other","Non metro"]
["2422","NSW","Other","Other","Non metro"]
["2423","NSW","Other","Other","Non metro"]
["2424","NSW","Other","Other","Non metro"]
["2425","NSW","Other","Other","Non metro"]
["2426","NSW","Other","Other","Non metro"]
["2427","NSW",3,3,"Non metro"]
["2428","NSW",1,1,"Non metro"]
["2429","NSW",1,1,"Non metro"]
["2430","NSW",1,1,"Non metro"]
["2431","NSW",3,3,"Non metro"]
["2439","NSW","Other","Other","Non metro"]
["2440","NSW",3,3,"Non metro"]
["2441","NSW","Other","Other","Non metro"]
["2443","NSW",1,1,"Non metro"]
["2444","NSW",1,1,"Non metro"]
["2445","NSW",2,2,"Non metro"]
["2446","NSW",1,1,"Non metro"]
["2447","NSW",3,3,"Non metro"]
["2448","NSW",3,3,"Non metro"]
["2449","NSW","Other","Other","Non metro"]
["2450","NSW",1,1,"Non metro"]
["2452","NSW",1,1,"Non metro"]
["2453","NSW","Other","Other","Non metro"]
["2454","NSW",3,3,"Non metro"]
["2455","NSW",3,3,"Non metro"]
["2456","NSW",1,1,"Non metro"]
["2460","NSW",1,1,"Non metro"]
["2462","NSW","Other","Other","Non metro"]
["2463","NSW",3,3,"Non metro"]
["2464","NSW",2,2,"Non metro"]
["2465","NSW","Other","Other","Non metro"]
["2466","NSW",3,3,"Non metro"]
["2469","NSW","Other","Other","Non metro"]
["2470","NSW",3,3,"Non metro"]
["2471","NSW","Other","Other","Non metro"]
["2472","NSW","Other","Other","Non metro"]
["2473","NSW","Other","Other","Non metro"]
["2474","NSW","Other","Other","Non metro"]
["2475","NSW","Other","Other","Non metro"]
["2476","NSW","Other","Other","Non metro"]
["2477","NSW",1,1,"Non metro"]
["2478","NSW",1,1,"Non metro"]
["2479","NSW",1,1,"Non metro"]
["2480","NSW",1,1,"Non metro"]
["2481","NSW",1,1,"Non metro"]
["2482","NSW",1,1,"Non metro"]
["2483","NSW",1,1,"Non metro"]
["2484","NSW",1,1,"Non metro"]
["2485","NSW",1,1,"Non metro"]
["2486","NSW",1,1,"Non metro"]
["2487","NSW",1,1,"Non metro"]
["2488","NSW",1,1,"Non metro"]
["2489","NSW",1,1,"Non metro"]
["2490","NSW",1,1,"Non metro"]
["2500","NSW",1,1,"Non metro"]
["2502","NSW",1,1,"Non metro"]
["2505","NSW",1,1,"Non metro"]
["2506","NSW",1,1,"Non metro"]
["2508","NSW",1,1,"Non metro"]
["2515","NSW",1,1,"Non metro"]
["2516","NSW",1,1,"Non metro"]
["2517","NSW",1,1,"Non metro"]
["2518","NSW",1,1,"Non metro"]
["2519","NSW",1,1,"Non metro"]
["2522","NSW",1,1,"Non metro"]
["2525","NSW",1,1,"Non metro"]
["2526","NSW",1,1,"Non metro"]
["2527","NSW",1,1,"Non metro"]
["2528","NSW",1,1,"Non metro"]
["2529","NSW",1,1,"Non metro"]
["2530","NSW",1,1,"Non metro"]
["2533","NSW",1,1,"Non metro"]
["2534","NSW",1,1,"Non metro"]
["2535","NSW",2,2,"Non metro"]
["2536","NSW",3,3,"Non metro"]
["2537","NSW",3,3,"Non metro"]
["2538","NSW",2,2,"Non metro"]
["2539","NSW",1,1,"Non metro"]
["2540","NSW",1,1,"Non metro"]
["2541","NSW",1,1,"Non metro"]
["2545","NSW","Other","Other","Non metro"]
["2546","NSW",3,3,"Non metro"]
["2548","NSW",3,3,"Non metro"]
["2549","NSW",3,3,"Non metro"]
["2550","NSW",3,3,"Non metro"]
["2551","NSW",3,3,"Non metro"]
["2555","NSW",1,1,"Non metro"]
["2556","NSW",1,1,"Non metro"]
["2557","NSW",1,1,"Non metro"]
["2558","NSW",1,1,"Metro"]
["2559","NSW",1,1,"Metro"]
["2560","NSW",1,1,"Metro"]
["2563","NSW",1,1,"Metro"]
["2564","NSW",1,1,"Metro"]
["2565","NSW",1,1,"Metro"]
["2566","NSW",1,1,"Metro"]
["2567","NSW",1,1,"Metro"]
["2568","NSW",1,1,"Metro"]
["2569","NSW",1,1,"Metro"]
["2570","NSW",1,1,"Metro"]
["2571","NSW",1,1,"Metro"]
["2572","NSW",1,1,"Metro"]
["2573","NSW",1,1,"Metro"]
["2574","NSW",1,1,"Metro"]
["2575","NSW",1,1,"Non metro"]
["2576","NSW",1,1,"Non metro"]
["2577","NSW",1,1,"Non metro"]
["2578","NSW",1,1,"Non metro"]
["2579","NSW",1,1,"Non metro"]
["2580","NSW",1,1,"Non metro"]
["2581","NSW","Other","Other","Non metro"]
["2582","NSW",3,3,"Non metro"]
["2583","NSW",3,3,"Non metro"]
["2584","NSW","Other","Other","Non metro"]
["2585","NSW","Other","Other","Non metro"]
["2586","NSW","Other","Other","Non metro"]
["2587","NSW","Other","Other","Non metro"]
["2588","NSW","Other","Other","Non metro"]
["2590","NSW","Other","Other","Non metro"]
["2594","NSW",3,3,"Non metro"]
["2600","ACT",1,1,"Metro"]
["2601","ACT",1,1,"Metro"]
["2602","ACT",1,1,"Metro"]
["2603","ACT",1,1,"Metro"]
["2604","ACT",1,1,"Metro"]
["2605","ACT",1,1,"Metro"]
["2606","ACT",1,1,"Metro"]
["2607","ACT",1,1,"Metro"]
["2609","ACT",1,1,"Metro"]
["2611","NSW",1,1,"Metro"]
["2612","ACT",1,1,"Metro"]
["2614","ACT",1,1,"Metro"]
["2615","ACT",1,1,"Metro"]
["2617","ACT",1,1,"Metro"]
["2618","NSW",1,1,"Metro"]
["2619","NSW",1,1,"Metro"]
["2620","NSW",1,1,"Metro"]
["2621","NSW",1,1,"Metro"]
["2622","NSW","Other","Other","Metro"]
["2623","NSW","Other","Other","Metro"]
["2625","NSW","Other","Other","Metro"]
["2626","NSW","Other","Other","Metro"]
["2627","NSW","Other","Other","Metro"]
["2628","NSW","Other","Other","Metro"]
["2629","NSW","Other","Other","Metro"]
["2630","NSW",3,3,"Metro"]
["2631","NSW","Other","Other","Metro"]
["2632","NSW","Other","Other","Metro"]
["2633","NSW","Other","Other","Metro"]
["2640","NSW",1,1,"Non metro"]
["2641","NSW",1,1,"Non metro"]
["2642","NSW",3,3,"Non metro"]
["2643","NSW",3,3,"Non metro"]
["2644","NSW","Other","Other","Non metro"]
["2645","NSW","Other","Other","Non metro"]
["2646","NSW","Other","Other","Non metro"]
["2647","NSW",3,3,"Non metro"]
["2648","NSW","Other","Other","Non metro"]
["2649","NSW","Other","Other","Non metro"]
["2650","NSW",1,1,"Non metro"]
["2651","NSW",1,1,"Non metro"]
["2652","NSW","Other","Other","Non metro"]
["2653","NSW","Other","Other","Non metro"]
["2655","NSW","Other","Other","Non metro"]
["2656","NSW","Other","Other","Non metro"]
["2658","NSW","Other","Other","Non metro"]
["2659","NSW","Other","Other","Non metro"]
["2660","NSW","Other","Other","Non metro"]
["2661","NSW","Other","Other","Non metro"]
["2663","NSW","Other","Other","Non metro"]
["2665","NSW","Other","Other","Non metro"]
["2666","NSW","Other","Other","Non metro"]
["2668","NSW","Other","Other","Non metro"]
["2669","NSW","Other","Other","Non metro"]
["2671","NSW","Other","Other","Non metro"]
["2672","NSW","Other","Other","Non metro"]
["2675","NSW","Other","Other","Non metro"]
["2678","NSW","Other","Other","Non metro"]
["2680","NSW",1,1,"Non metro"]
["2681","NSW","Other","Other","Non metro"]
["2700","NSW","Other","Other","Non metro"]
["2701","NSW","Other","Other","Non metro"]
["2702","NSW","Other","Other","Non metro"]
["2703","NSW","Other","Other","Non metro"]
["2705","NSW","Other","Other","Non metro"]
["2706","NSW","Other","Other","Non metro"]
["2707","NSW","Other","Other","Non metro"]
["2710","NSW",3,3,"Non metro"]
["2711","NSW","Other","Other","Non metro"]
["2712","NSW","Other","Other","Non metro"]
["2713","NSW","Other","Other","Non metro"]
["2714","NSW","Other","Other","Non metro"]
["2715","NSW","Other","Other","Non metro"]
["2716","NSW","Other","Other","Non metro"]
["2717","NSW","Other","Other","Non metro"]
["2720","NSW",3,3,"Non metro"]
["2721","NSW","Other","Other","Non metro"]
["2722","NSW","Other","Other","Non metro"]
["2725","NSW","Other","Other","Non metro"]
["2726","NSW","Other","Other","Non metro"]
["2727","NSW","Other","Other","Non metro"]
["2729","NSW","Other","Other","Non metro"]
["2730","NSW","Other","Other","Non metro"]
["2731","NSW",2,2,"Non metro"]
["2732","NSW","Other","Other","Non metro"]
["2733","NSW","Other","Other","Non metro"]
["2734","NSW","Other","Other","Non metro"]
["2735","NSW","Other","Other","Non metro"]
["2736","NSW","Other","Other","Non metro"]
["2737","NSW","Other","Other","Non metro"]
["2738","NSW",2,2,"Non metro"]
["2739","NSW",2,2,"Non metro"]
["2745","NSW",1,1,"Metro"]
["2747","NSW",1,1,"Metro"]
["2748","NSW",1,1,"Metro"]
["2749","NSW",1,1,"Metro"]
["2750","NSW",1,1,"Metro"]
["2752","NSW",1,1,"Metro"]
["2753","NSW",1,1,"Metro"]
["2754","NSW",1,1,"Metro"]
["2755","NSW",1,1,"Metro"]
["2756","NSW",1,1,"Metro"]
["2757","NSW",1,1,"Metro"]
["2758","NSW",1,1,"Metro"]
["2759","NSW",1,1,"Metro"]
["2760","NSW",1,1,"Metro"]
["2761","NSW",1,1,"Metro"]
["2762","NSW",1,1,"Metro"]
["2763","NSW",1,1,"Metro"]
["2765","NSW",1,1,"Metro"]
["2766","NSW",1,1,"Metro"]
["2767","NSW",1,1,"Metro"]
["2768","NSW",1,1,"Metro"]
["2769","NSW",1,1,"Metro"]
["2770","NSW",1,1,"Metro"]
["2773","NSW",1,1,"Metro"]
["2774","NSW",1,1,"Metro"]
["2775","NSW","Other","Other","Metro"]
["2776","NSW",1,1,"Metro"]
["2777","NSW",1,1,"Metro"]
["2778","NSW",1,1,"Metro"]
["2779","NSW",1,1,"Metro"]
["2780","NSW",1,1,"Metro"]
["2782","NSW",1,1,"Metro"]
["2783","NSW",1,1,"Metro"]
["2784","NSW",1,1,"Metro"]
["2785","NSW",1,1,"Metro"]
["2786","NSW","Other","Other","Metro"]
["2787","NSW","Other","Other","Non metro"]
["2790","NSW",3,3,"Non metro"]
["2791","NSW","Other","Other","Non metro"]
["2792","NSW","Other","Other","Non metro"]
["2793","NSW","Other","Other","Non metro"]
["2794","NSW",3,3,"Non metro"]
["2795","NSW",1,1,"Non metro"]
["2797","NSW","Other","Other","Non metro"]
["2798","NSW","Other","Other","Non metro"]
["2799","NSW","Other","Other","Non metro"]
["2800","NSW",1,1,"Non metro"]
["2803","NSW","Other","Other","Non metro"]
["2804","NSW","Other","Other","Non metro"]
["2805","NSW","Other","Other","Non metro"]
["2806","NSW","Other","Other","Non metro"]
["2807","NSW","Other","Other","Non metro"]
["2808","NSW","Other","Other","Non metro"]
["2809","NSW","Other","Other","Non metro"]
["2810","NSW","Other","Other","Non metro"]
["2817","NSW","Other","Other","Non metro"]
["2818","NSW","Other","Other","Non metro"]
["2820","NSW","Other","Other","Non metro"]
["2821","NSW","Other","Other","Non metro"]
["2822","NSW","Other","Other","Non metro"]
["2823","NSW","Other","Other","Non metro"]
["2824","NSW","Other","Other","Non metro"]
["2825","NSW","Other","Other","Non metro"]
["2826","NSW","Other","Other","Non metro"]
["2827","NSW","Other","Other","Non metro"]
["2828","NSW","Other","Other","Non metro"]
["2829","NSW","Other","Other","Non metro"]
["2830","NSW",1,1,"Non metro"]
["2831","NSW","Other","Other","Non metro"]
["2832","NSW","Other","Other","Non metro"]
["2833","NSW","Other","Other","Non metro"]
["2834","NSW","Other","Other","Non metro"]
["2835","NSW","Other","Other","Non metro"]
["2836","NSW","Other","Other","Non metro"]
["2838","NSW","Other","Other","Non metro"]
["2839","NSW","Other","Other","Non metro"]
["2840","NSW","Other","Other","Non metro"]
["2842","NSW","Other","Other","Non metro"]
["2843","NSW","Other","Other","Non metro"]
["2844","NSW","Other","Other","Non metro"]
["2845","NSW","Other","Other","Non metro"]
["2846","NSW","Other","Other","Non metro"]
["2847","NSW","Other","Other","Non metro"]
["2848","NSW","Other","Other","Non metro"]
["2849","NSW","Other","Other","Non metro"]
["2850","NSW",3,3,"Non metro"]
["2852","NSW","Other","Other","Non metro"]
["2864","NSW","Other","Other","Non metro"]
["2865","NSW","Other","Other","Non metro"]
["2866","NSW","Other","Other","Non metro"]
["2867","NSW","Other","Other","Non metro"]
["2868","NSW","Other","Other","Non metro"]
["2869","NSW","Other","Other","Non metro"]
["2870","NSW",3,3,"Non metro"]
["2871","NSW","Other","Other","Non metro"]
["2873","NSW","Other","Other","Non metro"]
["2874","NSW","Other","Other","Non metro"]
["2875","NSW","Other","Other","Non metro"]
["2876","NSW","Other","Other","Non metro"]
["2877","NSW","Other","Other","Non metro"]
["2878","NSW","Other","Other","Non metro"]
["2879","NSW","Other","Other","Non metro"]
["2880","NSW",3,3,"Non metro"]
["2898","NSW","Other","Other","Non metro"]
["2900","ACT",1,1,"Metro"]
["2902","ACT",1,1,"Metro"]
["2903","ACT",1,1,"Metro"]
["2904","ACT",1,1,"Metro"]
["2905","ACT",1,1,"Metro"]
["2906","ACT",1,1,"Metro"]
["2911","ACT",1,1,"Metro"]
["2912","ACT",1,1,"Metro"]
["2913","ACT",1,1,"Metro"]
["2914","ACT",1,1,"Metro"]
["3000","VIC",1,1,"Inner city"]
["3002","VIC",1,1,"Inner city"]
["3003","VIC",1,1,"Inner city"]
["3004","VIC",1,1,"Inner city"]
["3005","VIC",1,1,"Inner city"]
["3006","VIC",1,1,"Inner city"]
["3008","VIC",1,1,"Inner city"]
["3010","VIC",1,1,"Inner city"]
["3011","VIC",1,1,"Metro"]
["3012","VIC",1,1,"Metro"]
["3013","VIC",1,1,"Metro"]
["3015","VIC",1,1,"Metro"]
["3016","VIC",1,1,"Metro"]
["3018","VIC",1,1,"Metro"]
["3019","VIC",1,1,"Metro"]
["3020","VIC",1,1,"Metro"]
["3021","VIC",1,1,"Metro"]
["3022","VIC",1,1,"Metro"]
["3023","VIC",1,1,"Metro"]
["3024","VIC",1,1,"Metro"]
["3025","VIC",1,1,"Metro"]
["3026","VIC",1,1,"Metro"]
["3027","VIC",1,1,"Metro"]
["3028","VIC",1,1,"Metro"]
["3029","VIC",1,1,"Metro"]
["3030","VIC",1,1,"Metro"]
["3031","VIC",1,1,"Metro"]
["3032","VIC",1,1,"Metro"]
["3033","VIC",1,1,"Metro"]
["3034","VIC",1,1,"Metro"]
["3036","VIC",1,1,"Metro"]
["3037","VIC",1,1,"Metro"]
["3038","VIC",1,1,"Metro"]
["3039","VIC",1,1,"Metro"]
["3040","VIC",1,1,"Metro"]
["3041","VIC",1,1,"Metro"]
["3042","VIC",1,1,"Metro"]
["3043","VIC",1,1,"Metro"]
["3044","VIC",1,1,"Metro"]
["3045","VIC",1,1,"Metro"]
["3046","VIC",1,1,"Metro"]
["3047","VIC",1,1,"Metro"]
["3048","VIC",1,1,"Metro"]
["3049","VIC",1,1,"Metro"]
["3050","VIC",1,1,"Metro"]
["3051","VIC",1,1,"Metro"]
["3052","VIC",1,1,"Metro"]
["3053","VIC",1,1,"Metro"]
["3054","VIC",1,1,"Metro"]
["3055","VIC",1,1,"Metro"]
["3056","VIC",1,1,"Metro"]
["3057","VIC",1,1,"Metro"]
["3058","VIC",1,1,"Metro"]
["3059","VIC",1,1,"Metro"]
["3060","VIC",1,1,"Metro"]
["3061","VIC",1,1,"Metro"]
["3062","VIC",1,1,"Metro"]
["3063","VIC",1,1,"Metro"]
["3064","VIC",1,1,"Metro"]
["3065","VIC",1,1,"Metro"]
["3066","VIC",1,1,"Metro"]
["3067","VIC",1,1,"Metro"]
["3068","VIC",1,1,"Metro"]
["3070","VIC",1,1,"Metro"]
["3071","VIC",1,1,"Metro"]
["3072","VIC",1,1,"Metro"]
["3073","VIC",1,1,"Metro"]
["3074","VIC",1,1,"Metro"]
["3075","VIC",1,1,"Metro"]
["3076","VIC",1,1,"Metro"]
["3078","VIC",1,1,"Metro"]
["3079","VIC",1,1,"Metro"]
["3081","VIC",1,1,"Metro"]
["3082","VIC",1,1,"Metro"]
["3083","VIC",1,1,"Metro"]
["3084","VIC",1,1,"Metro"]
["3085","VIC",1,1,"Metro"]
["3086","VIC",1,1,"Metro"]
["3087","VIC",1,1,"Metro"]
["3088","VIC",1,1,"Metro"]
["3089","VIC",1,1,"Metro"]
["3090","VIC",1,1,"Metro"]
["3091","VIC",1,1,"Metro"]
["3093","VIC",1,1,"Metro"]
["3094","VIC",1,1,"Metro"]
["3095","VIC",1,1,"Metro"]
["3096","VIC",1,1,"Metro"]
["3097","VIC",1,1,"Metro"]
["3099","VIC",1,1,"Metro"]
["3101","VIC",1,1,"Metro"]
["3102","VIC",1,1,"Metro"]
["3103","VIC",1,1,"Metro"]
["3104","VIC",1,1,"Metro"]
["3105","VIC",1,1,"Metro"]
["3106","VIC",1,1,"Metro"]
["3107","VIC",1,1,"Metro"]
["3108","VIC",1,1,"Metro"]
["3109","VIC",1,1,"Metro"]
["3111","VIC",1,1,"Metro"]
["3113","VIC",1,1,"Metro"]
["3114","VIC",1,1,"Metro"]
["3115","VIC",1,1,"Metro"]
["3116","VIC",1,1,"Metro"]
["3121","VIC",1,1,"Metro"]
["3122","VIC",1,1,"Metro"]
["3123","VIC",1,1,"Metro"]
["3124","VIC",1,1,"Metro"]
["3125","VIC",1,1,"Metro"]
["3126","VIC",1,1,"Metro"]
["3127","VIC",1,1,"Metro"]
["3128","VIC",1,1,"Metro"]
["3129","VIC",1,1,"Metro"]
["3130","VIC",1,1,"Metro"]
["3131","VIC",1,1,"Metro"]
["3132","VIC",1,1,"Metro"]
["3133","VIC",1,1,"Metro"]
["3134","VIC",1,1,"Metro"]
["3135","VIC",1,1,"Metro"]
["3136","VIC",1,1,"Metro"]
["3137","VIC",1,1,"Metro"]
["3138","VIC",1,1,"Metro"]
["3139","VIC",1,1,"Metro"]
["3140","VIC",1,1,"Metro"]
["3141","VIC",1,1,"Metro"]
["3142","VIC",1,1,"Metro"]
["3143","VIC",1,1,"Metro"]
["3144","VIC",1,1,"Metro"]
["3145","VIC",1,1,"Metro"]
["3146","VIC",1,1,"Metro"]
["3147","VIC",1,1,"Metro"]
["3148","VIC",1,1,"Metro"]
["3149","VIC",1,1,"Metro"]
["3150","VIC",1,1,"Metro"]
["3151","VIC",1,1,"Metro"]
["3152","VIC",1,1,"Metro"]
["3153","VIC",1,1,"Metro"]
["3154","VIC",1,1,"Metro"]
["3155","VIC",1,1,"Metro"]
["3156","VIC",1,1,"Metro"]
["3158","VIC",1,1,"Metro"]
["3159","VIC",1,1,"Metro"]
["3160","VIC",1,1,"Metro"]
["3161","VIC",1,1,"Metro"]
["3162","VIC",1,1,"Metro"]
["3163","VIC",1,1,"Metro"]
["3165","VIC",1,1,"Metro"]
["3166","VIC",1,1,"Metro"]
["3167","VIC",1,1,"Metro"]
["3168","VIC",1,1,"Metro"]
["3169","VIC",1,1,"Metro"]
["3170","VIC",1,1,"Metro"]
["3171","VIC",1,1,"Metro"]
["3172","VIC",1,1,"Metro"]
["3173","VIC",1,1,"Metro"]
["3174","VIC",1,1,"Metro"]
["3175","VIC",1,1,"Metro"]
["3177","VIC",1,1,"Metro"]
["3178","VIC",1,1,"Metro"]
["3179","VIC",1,1,"Metro"]
["3180","VIC",1,1,"Metro"]
["3181","VIC",1,1,"Metro"]
["3182","VIC",1,1,"Metro"]
["3183","VIC",1,1,"Metro"]
["3184","VIC",1,1,"Metro"]
["3185","VIC",1,1,"Metro"]
["3186","VIC",1,1,"Metro"]
["3187","VIC",1,1,"Metro"]
["3188","VIC",1,1,"Metro"]
["3189","VIC",1,1,"Metro"]
["3190","VIC",1,1,"Metro"]
["3191","VIC",1,1,"Metro"]
["3192","VIC",1,1,"Metro"]
["3193","VIC",1,1,"Metro"]
["3194","VIC",1,1,"Metro"]
["3195","VIC",1,1,"Metro"]
["3196","VIC",1,1,"Metro"]
["3197","VIC",1,1,"Metro"]
["3198","VIC",1,1,"Metro"]
["3199","VIC",1,1,"Metro"]
["3200","VIC",1,1,"Metro"]
["3201","VIC",1,1,"Metro"]
["3202","VIC",1,1,"Metro"]
["3204","VIC",1,1,"Metro"]
["3205","VIC",1,1,"Metro"]
["3206","VIC",1,1,"Metro"]
["3207","VIC",1,1,"Metro"]
["3211","VIC",1,1,"Metro"]
["3212","VIC",1,1,"Metro"]
["3213","VIC",1,1,"Metro"]
["3214","VIC",1,1,"Metro"]
["3215","VIC",1,1,"Metro"]
["3216","VIC",1,1,"Metro"]
["3217","VIC",1,1,"Non metro"]
["3218","VIC",1,1,"Non metro"]
["3219","VIC",1,1,"Non metro"]
["3220","VIC",1,1,"Non metro"]
["3221","VIC",1,1,"Non metro"]
["3222","VIC",1,1,"Non metro"]
["3223","VIC",1,1,"Non metro"]
["3224","VIC",1,1,"Non metro"]
["3225","VIC",1,1,"Non metro"]
["3226","VIC",1,1,"Non metro"]
["3227","VIC",1,1,"Non metro"]
["3228","VIC",1,1,"Non metro"]
["3230","VIC",1,1,"Non metro"]
["3231","VIC",3,3,"Non metro"]
["3232","VIC",1,1,"Non metro"]
["3233","VIC",1,1,"Non metro"]
["3234","VIC",1,1,"Non metro"]
["3235","VIC","Other","Other","Non metro"]
["3236","VIC","Other","Other","Non metro"]
["3237","VIC","Other","Other","Non metro"]
["3238","VIC","Other","Other","Non metro"]
["3239","VIC","Other","Other","Non metro"]
["3240","VIC","Other","Other","Non metro"]
["3241","VIC","Other","Other","Non metro"]
["3242","VIC","Other","Other","Non metro"]
["3243","VIC","Other","Other","Non metro"]
["3249","VIC",3,3,"Non metro"]
["3250","VIC",1,1,"Non metro"]
["3251","VIC","Other","Other","Non metro"]
["3254","VIC","Other","Other","Non metro"]
["3260","VIC","Other","Other","Non metro"]
["3264","VIC","Other","Other","Non metro"]
["3265","VIC","Other","Other","Non metro"]
["3266","VIC","Other","Other","Non metro"]
["3267","VIC","Other","Other","Non metro"]
["3268","VIC","Other","Other","Non metro"]
["3269","VIC","Other","Other","Non metro"]
["3270","VIC","Other","Other","Non metro"]
["3271","VIC","Other","Other","Non metro"]
["3272","VIC","Other","Other","Non metro"]
["3273","VIC","Other","Other","Non metro"]
["3274","VIC","Other","Other","Non metro"]
["3275","VIC","Other","Other","Non metro"]
["3276","VIC","Other","Other","Non metro"]
["3277","VIC","Other","Other","Non metro"]
["3278","VIC","Other","Other","Non metro"]
["3279","VIC","Other","Other","Non metro"]
["3280","VIC",1,1,"Non metro"]
["3281","VIC","Other","Other","Non metro"]
["3282","VIC","Other","Other","Non metro"]
["3283","VIC","Other","Other","Non metro"]
["3284","VIC","Other","Other","Non metro"]
["3285","VIC","Other","Other","Non metro"]
["3286","VIC","Other","Other","Non metro"]
["3287","VIC","Other","Other","Non metro"]
["3289","VIC","Other","Other","Non metro"]
["3292","VIC","Other","Other","Non metro"]
["3293","VIC","Other","Other","Non metro"]
["3294","VIC","Other","Other","Non metro"]
["3300","VIC",1,1,"Non metro"]
["3301","VIC","Other","Other","Non metro"]
["3302","VIC","Other","Other","Non metro"]
["3303","VIC","Other","Other","Non metro"]
["3304","VIC","Other","Other","Non metro"]
["3305","VIC",3,3,"Non metro"]
["3309","VIC","Other","Other","Non metro"]
["3310","VIC","Other","Other","Non metro"]
["3311","VIC","Other","Other","Non metro"]
["3312","VIC","Other","Other","Non metro"]
["3314","VIC","Other","Other","Non metro"]
["3315","VIC","Other","Other","Non metro"]
["3317","VIC","Other","Other","Non metro"]
["3318","VIC","Other","Other","Non metro"]
["3319","VIC","Other","Other","Non metro"]
["3321","VIC","Other","Other","Non metro"]
["3322","VIC","Other","Other","Non metro"]
["3323","VIC","Other","Other","Non metro"]
["3324","VIC","Other","Other","Non metro"]
["3325","VIC","Other","Other","Non metro"]
["3328","VIC","Other","Other","Non metro"]
["3329","VIC","Other","Other","Non metro"]
["3330","VIC","Other","Other","Non metro"]
["3331","VIC",3,3,"Non metro"]
["3332","VIC","Other","Other","Non metro"]
["3333","VIC","Other","Other","Non metro"]
["3334","VIC","Other","Other","Non metro"]
["3335","VIC",1,1,"Metro"]
["3336","VIC",1,1,"Metro"]
["3337","VIC",1,1,"Metro"]
["3338","VIC",1,1,"Metro"]
["3340","VIC",1,1,"Metro"]
["3341","VIC",1,1,"Metro"]
["3342","VIC","Other","Other","Non metro"]
["3345","VIC","Other","Other","Non metro"]
["3350","VIC",1,1,"Non metro"]
["3351","VIC","Other","Other","Non metro"]
["3352","VIC",1,1,"Non metro"]
["3355","VIC",1,1,"Non metro"]
["3356","VIC",1,1,"Non metro"]
["3357","VIC",3,3,"Non metro"]
["3360","VIC","Other","Other","Non metro"]
["3361","VIC","Other","Other","Non metro"]
["3363","VIC",3,3,"Non metro"]
["3364","VIC","Other","Other","Non metro"]
["3370","VIC","Other","Other","Non metro"]
["3371","VIC","Other","Other","Non metro"]
["3373","VIC","Other","Other","Non metro"]
["3374","VIC","Other","Other","Non metro"]
["3375","VIC","Other","Other","Non metro"]
["3377","VIC",3,3,"Non metro"]
["3378","VIC","Other","Other","Non metro"]
["3379","VIC","Other","Other","Non metro"]
["3380","VIC","Other","Other","Non metro"]
["3381","VIC","Other","Other","Non metro"]
["3384","VIC","Other","Other","Non metro"]
["3385","VIC","Other","Other","Non metro"]
["3387","VIC","Other","Other","Non metro"]
["3388","VIC","Other","Other","Non metro"]
["3390","VIC","Other","Other","Non metro"]
["3391","VIC","Other","Other","Non metro"]
["3392","VIC","Other","Other","Non metro"]
["3393","VIC","Other","Other","Non metro"]
["3395","VIC","Other","Other","Non metro"]
["3396","VIC","Other","Other","Non metro"]
["3400","VIC",3,3,"Non metro"]
["3401","VIC","Other","Other","Non metro"]
["3407","VIC","Other","Other","Non metro"]
["3409","VIC","Other","Other","Non metro"]
["3412","VIC","Other","Other","Non metro"]
["3413","VIC","Other","Other","Non metro"]
["3414","VIC","Other","Other","Non metro"]
["3415","VIC","Other","Other","Non metro"]
["3418","VIC","Other","Other","Non metro"]
["3419","VIC","Other","Other","Non metro"]
["3420","VIC","Other","Other","Non metro"]
["3423","VIC","Other","Other","Non metro"]
["3424","VIC","Other","Other","Non metro"]
["3427","VIC","Other","Other","Metro"]
["3428","VIC","Other","Other","Metro"]
["3429","VIC",1,1,"Metro"]
["3430","VIC","Other","Other","Metro"]
["3431","VIC",3,3,"Metro"]
["3432","VIC","Other","Other","Metro"]
["3433","VIC","Other","Other","Metro"]
["3434","VIC","Other","Other","Metro"]
["3435","VIC","Other","Other","Metro"]
["3437","VIC",1,1,"Metro"]
["3438","VIC",2,2,"Metro"]
["3440","VIC",3,3,"Metro"]
["3441","VIC","Other","Other","Metro"]
["3442","VIC",3,3,"Metro"]
["3444","VIC",3,3,"Non metro"]
["3446","VIC","Other","Other","Non metro"]
["3447","VIC","Other","Other","Non metro"]
["3448","VIC","Other","Other","Non metro"]
["3450","VIC",1,1,"Non metro"]
["3451","VIC","Other","Other","Non metro"]
["3453","VIC","Other","Other","Non metro"]
["3458","VIC","Other","Other","Non metro"]
["3460","VIC",1,1,"Non metro"]
["3461","VIC",1,1,"Non metro"]
["3462","VIC","Other","Other","Non metro"]
["3463","VIC","Other","Other","Non metro"]
["3464","VIC","Other","Other","Non metro"]
["3465","VIC",3,3,"Non metro"]
["3467","VIC","Other","Other","Non metro"]
["3468","VIC","Other","Other","Non metro"]
["3469","VIC","Other","Other","Non metro"]
["3472","VIC","Other","Other","Non metro"]
["3475","VIC","Other","Other","Non metro"]
["3477","VIC","Other","Other","Non metro"]
["3478","VIC","Other","Other","Non metro"]
["3480","VIC","Other","Other","Non metro"]
["3482","VIC","Other","Other","Non metro"]
["3483","VIC","Other","Other","Non metro"]
["3485","VIC","Other","Other","Non metro"]
["3487","VIC","Other","Other","Non metro"]
["3488","VIC","Other","Other","Non metro"]
["3489","VIC","Other","Other","Non metro"]
["3490","VIC","Other","Other","Non metro"]
["3491","VIC","Other","Other","Non metro"]
["3494","VIC","Other","Other","Non metro"]
["3496","VIC","Other","Other","Non metro"]
["3498","VIC","Other","Other","Non metro"]
["3500","VIC",1,1,"Non metro"]
["3501","VIC",2,2,"Non metro"]
["3505","VIC","Other","Other","Non metro"]
["3506","VIC","Other","Other","Non metro"]
["3507","VIC","Other","Other","Non metro"]
["3509","VIC","Other","Other","Non metro"]
["3512","VIC","Other","Other","Non metro"]
["3515","VIC","Other","Other","Non metro"]
["3516","VIC","Other","Other","Non metro"]
["3517","VIC","Other","Other","Non metro"]
["3518","VIC","Other","Other","Non metro"]
["3520","VIC","Other","Other","Non metro"]
["3521","VIC","Other","Other","Non metro"]
["3522","VIC","Other","Other","Non metro"]
["3523","VIC","Other","Other","Non metro"]
["3525","VIC","Other","Other","Non metro"]
["3527","VIC","Other","Other","Non metro"]
["3529","VIC","Other","Other","Non metro"]
["3530","VIC","Other","Other","Non metro"]
["3531","VIC","Other","Other","Non metro"]
["3533","VIC","Other","Other","Non metro"]
["3537","VIC","Other","Other","Non metro"]
["3540","VIC","Other","Other","Non metro"]
["3542","VIC","Other","Other","Non metro"]
["3544","VIC","Other","Other","Non metro"]
["3546","VIC","Other","Other","Non metro"]
["3549","VIC","Other","Other","Non metro"]
["3550","VIC",1,1,"Non metro"]
["3551","VIC",1,1,"Non metro"]
["3555","VIC",1,1,"Non metro"]
["3556","VIC",1,1,"Non metro"]
["3557","VIC","Other","Other","Non metro"]
["3558","VIC","Other","Other","Non metro"]
["3559","VIC","Other","Other","Non metro"]
["3561","VIC","Other","Other","Non metro"]
["3562","VIC","Other","Other","Non metro"]
["3563","VIC","Other","Other","Non metro"]
["3564","VIC",1,1,"Non metro"]
["3565","VIC","Other","Other","Non metro"]
["3566","VIC","Other","Other","Non metro"]
["3567","VIC","Other","Other","Non metro"]
["3568","VIC","Other","Other","Non metro"]
["3570","VIC","Other","Other","Non metro"]
["3571","VIC","Other","Other","Non metro"]
["3572","VIC","Other","Other","Non metro"]
["3573","VIC","Other","Other","Non metro"]
["3575","VIC","Other","Other","Non metro"]
["3576","VIC","Other","Other","Non metro"]
["3579","VIC","Other","Other","Non metro"]
["3580","VIC","Other","Other","Non metro"]
["3581","VIC","Other","Other","Non metro"]
["3583","VIC","Other","Other","Non metro"]
["3584","VIC","Other","Other","Non metro"]
["3585","VIC",3,3,"Non metro"]
["3586","VIC","Other","Other","Non metro"]
["3588","VIC","Other","Other","Non metro"]
["3589","VIC","Other","Other","Non metro"]
["3590","VIC","Other","Other","Non metro"]
["3591","VIC","Other","Other","Non metro"]
["3594","VIC","Other","Other","Non metro"]
["3595","VIC","Other","Other","Non metro"]
["3596","VIC","Other","Other","Non metro"]
["3597","VIC","Other","Other","Non metro"]
["3599","VIC","Other","Other","Non metro"]
["3607","VIC","Other","Other","Non metro"]
["3608","VIC","Other","Other","Non metro"]
["3610","VIC","Other","Other","Non metro"]
["3612","VIC","Other","Other","Non metro"]
["3614","VIC","Other","Other","Non metro"]
["3616","VIC",3,3,"Non metro"]
["3617","VIC","Other","Other","Non metro"]
["3618","VIC","Other","Other","Non metro"]
["3620","VIC",1,1,"Non metro"]
["3621","VIC","Other","Other","Non metro"]
["3622","VIC","Other","Other","Non metro"]
["3623","VIC","Other","Other","Non metro"]
["3624","VIC","Other","Other","Non metro"]
["3629","VIC",1,1,"Non metro"]
["3630","VIC",1,1,"Non metro"]
["3631","VIC",1,1,"Non metro"]
["3633","VIC","Other","Other","Non metro"]
["3634","VIC","Other","Other","Non metro"]
["3635","VIC","Other","Other","Non metro"]
["3636","VIC",3,3,"Non metro"]
["3637","VIC","Other","Other","Non metro"]
["3638","VIC","Other","Other","Non metro"]
["3639","VIC","Other","Other","Non metro"]
["3640","VIC","Other","Other","Non metro"]
["3641","VIC","Other","Other","Non metro"]
["3644","NSW","Other","Other","Non metro"]
["3646","VIC","Other","Other","Non metro"]
["3647","VIC","Other","Other","Non metro"]
["3649","VIC","Other","Other","Non metro"]
["3658","VIC","Other","Other","Non metro"]
["3659","VIC","Other","Other","Non metro"]
["3660","VIC",3,3,"Non metro"]
["3662","VIC","Other","Other","Non metro"]
["3663","VIC","Other","Other","Non metro"]
["3664","VIC","Other","Other","Non metro"]
["3665","VIC","Other","Other","Non metro"]
["3666","VIC","Other","Other","Non metro"]
["3669","VIC","Other","Other","Non metro"]
["3670","VIC","Other","Other","Non metro"]
["3672","VIC",3,3,"Non metro"]
["3673","VIC","Other","Other","Non metro"]
["3675","VIC","Other","Other","Non metro"]
["3677","VIC",3,3,"Non metro"]
["3678","VIC","Other","Other","Non metro"]
["3682","VIC","Other","Other","Non metro"]
["3683","VIC","Other","Other","Non metro"]
["3685","VIC","Other","Other","Non metro"]
["3687","VIC","Other","Other","Non metro"]
["3688","VIC","Other","Other","Non metro"]
["3690","VIC",1,1,"Non metro"]
["3691","VIC",1,1,"Non metro"]
["3694","VIC","Other","Other","Non metro"]
["3695","VIC","Other","Other","Non metro"]
["3697","VIC","Other","Other","Non metro"]
["3698","VIC","Other","Other","Non metro"]
["3699","VIC","Other","Other","Non metro"]
["3700","VIC","Other","Other","Non metro"]
["3701","VIC","Other","Other","Non metro"]
["3704","VIC","Other","Other","Non metro"]
["3705","VIC","Other","Other","Non metro"]
["3707","NSW","Other","Other","Non metro"]
["3708","VIC","Other","Other","Non metro"]
["3709","VIC","Other","Other","Non metro"]
["3711","VIC","Other","Other","Non metro"]
["3712","VIC","Other","Other","Non metro"]
["3713","VIC","Other","Other","Non metro"]
["3714","VIC","Other","Other","Non metro"]
["3715","VIC","Other","Other","Non metro"]
["3717","VIC","Other","Other","Non metro"]
["3718","VIC","Other","Other","Non metro"]
["3719","VIC","Other","Other","Non metro"]
["3720","VIC","Other","Other","Non metro"]
["3722","VIC","Other","Other","Non metro"]
["3723","VIC","Other","Other","Non metro"]
["3725","VIC","Other","Other","Non metro"]
["3726","VIC","Other","Other","Non metro"]
["3727","VIC","Other","Other","Non metro"]
["3728","VIC","Other","Other","Non metro"]
["3730","VIC",3,3,"Non metro"]
["3732","VIC","Other","Other","Non metro"]
["3733","VIC","Other","Other","Non metro"]
["3735","VIC","Other","Other","Non metro"]
["3737","VIC","Other","Other","Non metro"]
["3738","VIC","Other","Other","Non metro"]
["3739","VIC","Other","Other","Non metro"]
["3740","VIC","Other","Other","Non metro"]
["3741","VIC","Other","Other","Non metro"]
["3744","VIC","Other","Other","Non metro"]
["3746","VIC","Other","Other","Non metro"]
["3747","VIC","Other","Other","Non metro"]
["3749","VIC","Other","Other","Non metro"]
["3750","VIC",1,1,"Metro"]
["3751","VIC","Other","Other","Metro"]
["3752","VIC",1,1,"Metro"]
["3753","VIC","Other","Other","Metro"]
["3754","VIC",1,1,"Metro"]
["3755","VIC",1,1,"Metro"]
["3756","VIC",2,2,"Metro"]
["3757","VIC",1,1,"Metro"]
["3758","VIC",3,3,"Metro"]
["3759","VIC",1,1,"Metro"]
["3760","VIC","Other","Other","Metro"]
["3761","VIC",1,1,"Metro"]
["3762","VIC","Other","Other","Metro"]
["3763","VIC","Other","Other","Metro"]
["3764","VIC","Other","Other","Metro"]
["3765","VIC",1,1,"Metro"]
["3766","VIC",1,1,"Metro"]
["3767","VIC",1,1,"Metro"]
["3770","VIC",2,2,"Metro"]
["3775","VIC",2,2,"Metro"]
["3777","VIC",1,1,"Metro"]
["3778","VIC","Other","Other","Metro"]
["3779","VIC","Other","Other","Metro"]
["3781","VIC",1,1,"Metro"]
["3782","VIC",1,1,"Metro"]
["3783","VIC",1,1,"Metro"]
["3785","VIC",1,1,"Metro"]
["3786","VIC",1,1,"Metro"]
["3787","VIC",1,1,"Metro"]
["3788","VIC",1,1,"Metro"]
["3789","VIC",1,1,"Metro"]
["3791","VIC",1,1,"Metro"]
["3792","VIC",1,1,"Metro"]
["3793","VIC",1,1,"Metro"]
["3795","VIC",1,1,"Metro"]
["3796","VIC",1,1,"Metro"]
["3797","VIC","Other","Other","Metro"]
["3799","VIC","Other","Other","Metro"]
["3800","VIC","Other","Other","Metro"]
["3802","VIC",1,1,"Metro"]
["3803","VIC",1,1,"Metro"]
["3804","VIC",1,1,"Metro"]
["3805","VIC",1,1,"Metro"]
["3806","VIC",1,1,"Metro"]
["3807","VIC",1,1,"Metro"]
["3808","VIC",1,1,"Metro"]
["3809","VIC",1,1,"Metro"]
["3810","VIC",1,1,"Metro"]
["3812","VIC",1,1,"Non metro"]
["3813","VIC","Other","Other","Non metro"]
["3814","VIC","Other","Other","Non metro"]
["3815","VIC","Other","Other","Non metro"]
["3816","VIC","Other","Other","Non metro"]
["3818","VIC","Other","Other","Non metro"]
["3820","VIC","Other","Other","Non metro"]
["3821","VIC","Other","Other","Non metro"]
["3822","VIC","Other","Other","Non metro"]
["3823","VIC","Other","Other","Non metro"]
["3824","VIC","Other","Other","Non metro"]
["3825","VIC","Other","Other","Non metro"]
["3831","VIC","Other","Other","Non metro"]
["3832","VIC","Other","Other","Non metro"]
["3833","VIC","Other","Other","Non metro"]
["3835","VIC","Other","Other","Non metro"]
["3840","VIC",1,1,"Non metro"]
["3842","VIC",2,2,"Non metro"]
["3844","VIC",1,1,"Non metro"]
["3847","VIC","Other","Other","Non metro"]
["3850","VIC","Other","Other","Non metro"]
["3851","VIC","Other","Other","Non metro"]
["3852","VIC","Other","Other","Non metro"]
["3854","VIC","Other","Other","Non metro"]
["3856","VIC","Other","Other","Non metro"]
["3857","VIC","Other","Other","Non metro"]
["3858","VIC","Other","Other","Non metro"]
["3859","VIC","Other","Other","Non metro"]
["3860","VIC","Other","Other","Non metro"]
["3862","VIC","Other","Other","Non metro"]
["3864","VIC","Other","Other","Non metro"]
["3865","VIC","Other","Other","Non metro"]
["3869","VIC","Other","Other","Non metro"]
["3870","VIC","Other","Other","Non metro"]
["3871","VIC","Other","Other","Non metro"]
["3873","VIC","Other","Other","Non metro"]
["3874","VIC","Other","Other","Non metro"]
["3875","VIC","Other","Other","Non metro"]
["3878","VIC","Other","Other","Non metro"]
["3880","VIC","Other","Other","Non metro"]
["3882","VIC","Other","Other","Non metro"]
["3885","VIC","Other","Other","Non metro"]
["3886","VIC","Other","Other","Non metro"]
["3887","VIC","Other","Other","Non metro"]
["3888","VIC","Other","Other","Non metro"]
["3889","VIC","Other","Other","Non metro"]
["3890","VIC","Other","Other","Non metro"]
["3891","VIC","Other","Other","Non metro"]
["3892","VIC","Other","Other","Non metro"]
["3893","VIC","Other","Other","Non metro"]
["3895","VIC","Other","Other","Non metro"]
["3896","VIC","Other","Other","Non metro"]
["3898","VIC","Other","Other","Non metro"]
["3900","VIC","Other","Other","Non metro"]
["3902","VIC","Other","Other","Non metro"]
["3903","VIC","Other","Other","Non metro"]
["3904","VIC","Other","Other","Non metro"]
["3909","VIC","Other","Other","Non metro"]
["3910","VIC",1,1,"Metro"]
["3911","VIC",1,1,"Metro"]
["3912","VIC",1,1,"Metro"]
["3913","VIC",1,1,"Metro"]
["3915","VIC",1,1,"Metro"]
["3916","VIC",1,1,"Metro"]
["3918","VIC",1,1,"Metro"]
["3919","VIC",1,1,"Metro"]
["3920","VIC","Other","Other","Metro"]
["3921","VIC","Other","Other","Non metro"]
["3922","VIC","Other","Other","Non metro"]
["3923","VIC","Other","Other","Non metro"]
["3925","VIC","Other","Other","Non metro"]
["3926","VIC",1,1,"Metro"]
["3927","VIC",1,1,"Metro"]
["3928","VIC",1,1,"Metro"]
["3929","VIC",1,1,"Metro"]
["3930","VIC",1,1,"Metro"]
["3931","VIC",1,1,"Metro"]
["3933","VIC",1,1,"Metro"]
["3934","VIC",1,1,"Metro"]
["3936","VIC",1,1,"Metro"]
["3937","VIC",1,1,"Metro"]
["3938","VIC",1,1,"Metro"]
["3939","VIC",1,1,"Metro"]
["3940","VIC",1,1,"Metro"]
["3941","VIC",1,1,"Metro"]
["3942","VIC",1,1,"Metro"]
["3943","VIC",1,1,"Metro"]
["3944","VIC",1,1,"Metro"]
["3945","VIC","Other","Other","Non metro"]
["3946","VIC","Other","Other","Non metro"]
["3950","VIC","Other","Other","Non metro"]
["3951","VIC","Other","Other","Non metro"]
["3953","VIC","Other","Other","Non metro"]
["3954","VIC","Other","Other","Non metro"]
["3956","VIC","Other","Other","Non metro"]
["3957","VIC","Other","Other","Non metro"]
["3958","VIC","Other","Other","Non metro"]
["3959","VIC","Other","Other","Non metro"]
["3960","VIC","Other","Other","Non metro"]
["3962","VIC","Other","Other","Non metro"]
["3964","VIC","Other","Other","Non metro"]
["3965","VIC","Other","Other","Non metro"]
["3966","VIC","Other","Other","Non metro"]
["3967","VIC","Other","Other","Non metro"]
["3971","VIC","Other","Other","Non metro"]
["3975","VIC",1,1,"Metro"]
["3976","VIC",1,1,"Metro"]
["3977","VIC",1,1,"Metro"]
["3978","VIC",1,1,"Metro"]
["3979","VIC","Other","Other","Non metro"]
["3980","VIC","Other","Other","Metro"]
["3981","VIC","Other","Other","Metro"]
["3984","VIC","Other","Other","Non metro"]
["3987","VIC","Other","Other","Non metro"]
["3988","VIC","Other","Other","Non metro"]
["3990","VIC","Other","Other","Non metro"]
["3991","VIC","Other","Other","Non metro"]
["3992","VIC","Other","Other","Non metro"]
["3995","VIC","Other","Other","Non metro"]
["3996","VIC","Other","Other","Non metro"]
["4000","QLD",1,1,"Inner city"]
["4005","QLD",1,1,"Metro"]
["4006","QLD",1,1,"Metro"]
["4007","QLD",1,1,"Metro"]
["4008","QLD",1,1,"Metro"]
["4009","QLD",1,1,"Metro"]
["4010","QLD",1,1,"Metro"]
["4011","QLD",1,1,"Metro"]
["4012","QLD",1,1,"Metro"]
["4013","QLD",1,1,"Metro"]
["4014","QLD",1,1,"Metro"]
["4017","QLD",1,1,"Metro"]
["4018","QLD",1,1,"Metro"]
["4019","QLD",1,1,"Metro"]
["4020","QLD",1,1,"Metro"]
["4021","QLD",1,1,"Metro"]
["4022","QLD",1,1,"Metro"]
["4025","QLD","Other","Other","Metro"]
["4029","QLD","Other","Other","Metro"]
["4030","QLD",1,1,"Metro"]
["4031","QLD",1,1,"Metro"]
["4032","QLD",1,1,"Metro"]
["4034","QLD",1,1,"Metro"]
["4035","QLD",1,1,"Metro"]
["4036","QLD",1,1,"Metro"]
["4037","QLD",1,1,"Metro"]
["4051","QLD",1,1,"Metro"]
["4053","QLD",1,1,"Metro"]
["4054","QLD",1,1,"Metro"]
["4055","QLD",1,1,"Metro"]
["4059","QLD",1,1,"Metro"]
["4060","QLD",1,1,"Metro"]
["4061","QLD",1,1,"Metro"]
["4064","QLD",1,1,"Metro"]
["4065","QLD",1,1,"Metro"]
["4066","QLD",1,1,"Metro"]
["4067","QLD",1,1,"Metro"]
["4068","QLD",1,1,"Metro"]
["4069","QLD",1,1,"Metro"]
["4070","QLD",1,1,"Metro"]
["4072","QLD",1,1,"Metro"]
["4073","QLD",1,1,"Metro"]
["4074","QLD",1,1,"Metro"]
["4075","QLD",1,1,"Metro"]
["4076","QLD",1,1,"Metro"]
["4077","QLD",1,1,"Metro"]
["4078","QLD",1,1,"Metro"]
["4101","QLD",1,1,"Metro"]
["4102","QLD",1,1,"Metro"]
["4103","QLD",1,1,"Metro"]
["4104","QLD",1,1,"Metro"]
["4105","QLD",1,1,"Metro"]
["4106","QLD",1,1,"Metro"]
["4107","QLD",1,1,"Metro"]
["4108","QLD",1,1,"Metro"]
["4109","QLD",1,1,"Metro"]
["4110","QLD",1,1,"Metro"]
["4111","QLD",1,1,"Metro"]
["4112","QLD",1,1,"Metro"]
["4113","QLD",1,1,"Metro"]
["4114","QLD",1,1,"Metro"]
["4115","QLD",1,1,"Metro"]
["4116","QLD",1,1,"Metro"]
["4117","QLD",1,1,"Metro"]
["4118","QLD",1,1,"Metro"]
["4119","QLD",1,1,"Metro"]
["4120","QLD",1,1,"Metro"]
["4121","QLD",1,1,"Metro"]
["4122","QLD",1,1,"Metro"]
["4123","QLD",1,1,"Metro"]
["4124","QLD",1,1,"Metro"]
["4125","QLD",1,1,"Metro"]
["4127","QLD",1,1,"Metro"]
["4128","QLD",1,1,"Metro"]
["4129","QLD",1,1,"Metro"]
["4130","QLD",1,1,"Metro"]
["4131","QLD",1,1,"Metro"]
["4132","QLD",1,1,"Metro"]
["4133","QLD",1,1,"Metro"]
["4151","QLD",1,1,"Metro"]
["4152","QLD",1,1,"Metro"]
["4153","QLD",1,1,"Metro"]
["4154","QLD",1,1,"Metro"]
["4155","QLD",1,1,"Metro"]
["4156","QLD",1,1,"Metro"]
["4157","QLD",1,1,"Metro"]
["4158","QLD",1,1,"Metro"]
["4159","QLD",1,1,"Metro"]
["4160","QLD",1,1,"Metro"]
["4161","QLD",1,1,"Metro"]
["4163","QLD",1,1,"Metro"]
["4164","QLD",1,1,"Metro"]
["4165","QLD",1,1,"Metro"]
["4169","QLD",1,1,"Metro"]
["4170","QLD",1,1,"Metro"]
["4171","QLD",1,1,"Metro"]
["4172","QLD",1,1,"Metro"]
["4173","QLD",1,1,"Metro"]
["4174","QLD",1,1,"Metro"]
["4178","QLD",1,1,"Metro"]
["4179","QLD",1,1,"Metro"]
["4183","QLD","Other","Other","Metro"]
["4184","QLD","Other","Other","Metro"]
["4205","QLD",1,1,"Metro"]
["4207","QLD",1,1,"Metro"]
["4208","QLD",1,1,"Metro"]
["4209","QLD",1,1,"Metro"]
["4210","QLD",1,1,"Non metro"]
["4211","QLD",1,1,"Non metro"]
["4212","QLD",1,1,"Non metro"]
["4213","QLD",1,1,"Non metro"]
["4214","QLD",1,1,"Non metro"]
["4215","QLD",1,1,"Metro"]
["4216","QLD",1,1,"Metro"]
["4217","QLD",1,1,"Metro"]
["4218","QLD",1,1,"Metro"]
["4220","QLD",1,1,"Non metro"]
["4221","QLD",1,1,"Non metro"]
["4222","QLD","Other","Other","Non metro"]
["4223","QLD",1,1,"Non metro"]
["4224","QLD",1,1,"Non metro"]
["4225","QLD",1,1,"Non metro"]
["4226","QLD",1,1,"Non metro"]
["4227","QLD",1,1,"Non metro"]
["4228","QLD",1,1,"Non metro"]
["4229","QLD",1,1,"Non metro"]
["4230","QLD","Other","Other","Non metro"]
["4270","QLD",2,2,"Non metro"]
["4271","QLD",2,2,"Non metro"]
["4272","QLD",2,2,"Non metro"]
["4275","QLD","Other","Other","Non metro"]
["4280","QLD",1,1,"Non metro"]
["4285","QLD",3,3,"Non metro"]
["4287","QLD","Other","Other","Non metro"]
["4300","QLD",1,1,"Metro"]
["4301","QLD",1,1,"Metro"]
["4303","QLD",1,1,"Metro"]
["4304","QLD",1,1,"Metro"]
["4305","QLD",1,1,"Metro"]
["4306","QLD",1,1,"Metro"]
["4307","QLD","Other","Other","Non metro"]
["4309","QLD","Other","Other","Non metro"]
["4310","QLD","Other","Other","Non metro"]
["4311","QLD","Other","Other","Non metro"]
["4312","QLD","Other","Other","Non metro"]
["4313","QLD","Other","Other","Non metro"]
["4340","QLD","Other","Other","Non metro"]
["4341","QLD","Other","Other","Non metro"]
["4342","QLD","Other","Other","Non metro"]
["4343","QLD",1,1,"Non metro"]
["4344","QLD","Other","Other","Non metro"]
["4345","QLD","Other","Other","Non metro"]
["4346","QLD","Other","Other","Non metro"]
["4347","QLD","Other","Other","Non metro"]
["4350","QLD",1,1,"Non metro"]
["4352","QLD",2,2,"Non metro"]
["4353","QLD","Other","Other","Non metro"]
["4354","QLD","Other","Other","Non metro"]
["4355","QLD","Other","Other","Non metro"]
["4356","QLD","Other","Other","Non metro"]
["4357","QLD","Other","Other","Non metro"]
["4358","QLD","Other","Other","Non metro"]
["4359","QLD","Other","Other","Non metro"]
["4360","QLD","Other","Other","Non metro"]
["4361","QLD","Other","Other","Non metro"]
["4362","QLD","Other","Other","Non metro"]
["4363","QLD","Other","Other","Non metro"]
["4364","QLD","Other","Other","Non metro"]
["4365","QLD","Other","Other","Non metro"]
["4370","QLD",1,1,"Non metro"]
["4371","QLD","Other","Other","Non metro"]
["4372","QLD","Other","Other","Non metro"]
["4373","QLD","Other","Other","Non metro"]
["4374","QLD","Other","Other","Non metro"]
["4375","NSW","Other","Other","Non metro"]
["4376","QLD","Other","Other","Non metro"]
["4377","NSW","Other","Other","Non metro"]
["4378","QLD","Other","Other","Non metro"]
["4380","NSW","Other","Other","Non metro"]
["4381","QLD","Other","Other","Non metro"]
["4382","QLD","Other","Other","Non metro"]
["4383","NSW","Other","Other","Non metro"]
["4384","QLD","Other","Other","Non metro"]
["4385","NSW","Other","Other","Non metro"]
["4387","QLD","Other","Other","Non metro"]
["4388","QLD","Other","Other","Non metro"]
["4390","QLD","Other","Other","Non metro"]
["4400","QLD","Other","Other","Non metro"]
["4401","QLD","Other","Other","Non metro"]
["4402","QLD","Other","Other","Non metro"]
["4403","QLD","Other","Other","Non metro"]
["4404","QLD","Other","Other","Non metro"]
["4405","QLD",3,3,"Non metro"]
["4406","QLD","Other","Other","Non metro"]
["4407","QLD","Other","Other","Non metro"]
["4408","QLD","Other","Other","Non metro"]
["4410","QLD","Other","Other","Non metro"]
["4411","QLD","Other","Other","Non metro"]
["4412","QLD","Other","Other","Non metro"]
["4413","QLD","Other","Other","Non metro"]
["4415","QLD","Other","Other","Non metro"]
["4416","QLD","Other","Other","Non metro"]
["4417","QLD","Other","Other","Non metro"]
["4418","QLD","Other","Other","Non metro"]
["4419","QLD","Other","Other","Non metro"]
["4420","QLD","Other","Other","Non metro"]
["4421","QLD","Other","Other","Non metro"]
["4422","QLD","Other","Other","Non metro"]
["4423","QLD","Other","Other","Non metro"]
["4424","QLD","Other","Other","Non metro"]
["4425","QLD","Other","Other","Non metro"]
["4426","QLD","Other","Other","Non metro"]
["4427","QLD","Other","Other","Non metro"]
["4428","QLD","Other","Other","Non metro"]
["4454","QLD","Other","Other","Non metro"]
["4455","QLD","Other","Other","Non metro"]
["4461","QLD","Other","Other","Non metro"]
["4462","QLD","Other","Other","Non metro"]
["4465","QLD","Other","Other","Non metro"]
["4467","QLD","Other","Other","Non metro"]
["4468","QLD","Other","Other","Non metro"]
["4470","QLD","Other","Other","Non metro"]
["4472","QLD","Other","Other","Non metro"]
["4474","QLD","Other","Other","Non metro"]
["4475","QLD","Other","Other","Non metro"]
["4477","QLD","Other","Other","Non metro"]
["4478","QLD","Other","Other","Non metro"]
["4479","QLD","Other","Other","Non metro"]
["4480","QLD","Other","Other","Non metro"]
["4481","QLD","Other","Other","Non metro"]
["4482","QLD","Other","Other","Non metro"]
["4486","QLD","Other","Other","Non metro"]
["4487","QLD","Other","Other","Non metro"]
["4488","QLD","Other","Other","Non metro"]
["4489","QLD","Other","Other","Non metro"]
["4490","QLD","Other","Other","Non metro"]
["4491","QLD","Other","Other","Non metro"]
["4492","QLD","Other","Other","Non metro"]
["4493","QLD","Other","Other","Non metro"]
["4494","QLD","Other","Other","Non metro"]
["4496","QLD","Other","Other","Non metro"]
["4497","QLD","Other","Other","Non metro"]
["4498","QLD","Other","Other","Non metro"]
["4500","QLD",1,1,"Metro"]
["4501","QLD",1,1,"Metro"]
["4502","QLD",1,1,"Metro"]
["4503","QLD",1,1,"Metro"]
["4504","QLD",1,1,"Metro"]
["4505","QLD",1,1,"Metro"]
["4506","QLD",1,1,"Metro"]
["4507","QLD",1,1,"Metro"]
["4508","QLD",1,1,"Metro"]
["4509","QLD",1,1,"Metro"]
["4510","QLD",1,1,"Metro"]
["4511","QLD",1,1,"Metro"]
["4512","QLD",1,1,"Metro"]
["4514","QLD",1,1,"Metro"]
["4515","QLD","Other","Other","Metro"]
["4516","QLD",1,1,"Metro"]
["4517","QLD",1,1,"Metro"]
["4518","QLD",1,1,"Metro"]
["4519","QLD",1,1,"Metro"]
["4520","QLD",1,1,"Metro"]
["4521","QLD",2,2,"Metro"]
["4550","QLD",1,1,"Non metro"]
["4551","QLD",1,1,"Non metro"]
["4552","QLD",1,1,"Non metro"]
["4553","QLD",1,1,"Non metro"]
["4554","QLD",1,1,"Non metro"]
["4555","QLD",1,1,"Non metro"]
["4556","QLD",1,1,"Non metro"]
["4557","QLD",1,1,"Non metro"]
["4558","QLD",1,1,"Non metro"]
["4559","QLD",1,1,"Non metro"]
["4560","QLD",1,1,"Non metro"]
["4561","QLD",1,1,"Non metro"]
["4562","QLD",1,1,"Non metro"]
["4563","QLD",1,1,"Non metro"]
["4564","QLD",1,1,"Non metro"]
["4565","QLD",1,1,"Non metro"]
["4566","QLD",1,1,"Non metro"]
["4567","QLD",1,1,"Non metro"]
["4568","QLD",2,2,"Non metro"]
["4569","QLD","Other","Other","Non metro"]
["4570","QLD",1,1,"Non metro"]
["4571","QLD","Other","Other","Non metro"]
["4572","QLD",1,1,"Non metro"]
["4573","QLD",1,1,"Non metro"]
["4574","QLD","Other","Other","Non metro"]
["4575","QLD",1,1,"Non metro"]
["4580","QLD","Other","Other","Non metro"]
["4581","QLD","Other","Other","Non metro"]
["4600","QLD","Other","Other","Non metro"]
["4601","QLD","Other","Other","Non metro"]
["4605","QLD","Other","Other","Non metro"]
["4606","QLD","Other","Other","Non metro"]
["4608","QLD","Other","Other","Non metro"]
["4610","QLD",3,3,"Non metro"]
["4611","QLD","Other","Other","Non metro"]
["4612","QLD","Other","Other","Non metro"]
["4613","QLD","Other","Other","Non metro"]
["4614","QLD","Other","Other","Non metro"]
["4615","QLD","Other","Other","Non metro"]
["4620","QLD","Other","Other","Non metro"]
["4621","QLD","Other","Other","Non metro"]
["4625","QLD","Other","Other","Non metro"]
["4626","QLD","Other","Other","Non metro"]
["4627","QLD","Other","Other","Non metro"]
["4630","QLD","Other","Other","Non metro"]
["4650","QLD",3,3,"Non metro"]
["4655","QLD",1,1,"Non metro"]
["4659","QLD","Other","Other","Non metro"]
["4660","QLD","Other","Other","Non metro"]
["4662","QLD","Other","Other","Non metro"]
["4670","QLD",1,1,"Non metro"]
["4671","QLD","Other","Other","Non metro"]
["4673","QLD","Other","Other","Non metro"]
["4674","QLD","Other","Other","Non metro"]
["4676","QLD","Other","Other","Non metro"]
["4677","QLD","Other","Other","Non metro"]
["4678","QLD","Other","Other","Non metro"]
["4680","QLD",1,1,"Non metro"]
["4694","QLD","Other","Other","Non metro"]
["4695","QLD","Other","Other","Non metro"]
["4697","QLD","Other","Other","Non metro"]
["4699","QLD","Other","Other","Non metro"]
["4700","QLD",1,1,"Non metro"]
["4701","QLD",1,1,"Non metro"]
["4702","QLD","Other","Other","Non metro"]
["4703","QLD",2,2,"Non metro"]
["4704","QLD","Other","Other","Non metro"]
["4705","QLD","Other","Other","Non metro"]
["4706","QLD","Other","Other","Non metro"]
["4707","QLD","Other","Other","Non metro"]
["4709","QLD","Other","Other","Non metro"]
["4710","QLD",2,2,"Non metro"]
["4711","QLD",1,1,"Non metro"]
["4712","QLD","Other","Other","Non metro"]
["4713","QLD","Other","Other","Non metro"]
["4714","QLD","Other","Other","Non metro"]
["4715","QLD","Other","Other","Non metro"]
["4716","QLD","Other","Other","Non metro"]
["4717","QLD","Other","Other","Non metro"]
["4718","QLD","Other","Other","Non metro"]
["4719","QLD","Other","Other","Non metro"]
["4720","QLD",2,2,"Non metro"]
["4721","QLD","Other","Other","Non metro"]
["4722","QLD","Other","Other","Non metro"]
["4723","QLD","Other","Other","Non metro"]
["4724","QLD","Other","Other","Non metro"]
["4725","QLD","Other","Other","Non metro"]
["4726","QLD","Other","Other","Non metro"]
["4727","QLD","Other","Other","Non metro"]
["4728","QLD","Other","Other","Non metro"]
["4730","QLD","Other","Other","Non metro"]
["4731","QLD","Other","Other","Non metro"]
["4732","QLD","Other","Other","Non metro"]
["4733","QLD","Other","Other","Non metro"]
["4735","QLD","Other","Other","Non metro"]
["4736","QLD","Other","Other","Non metro"]
["4737","QLD",3,3,"Non metro"]
["4738","QLD","Other","Other","Non metro"]
["4739","QLD","Other","Other","Non metro"]
["4740","QLD",2,1,"Non metro"]
["4741","QLD","Other","Other","Non metro"]
["4742","QLD","Other","Other","Non metro"]
["4743","QLD","Other","Other","Non metro"]
["4744","QLD","Other","Other","Non metro"]
["4745","QLD","Other","Other","Non metro"]
["4746","QLD","Other","Other","Non metro"]
["4750","QLD",1,1,"Non metro"]
["4751","QLD",1,1,"Non metro"]
["4753","QLD",2,2,"Non metro"]
["4754","QLD","Other","Other","Non metro"]
["4756","QLD","Other","Other","Non metro"]
["4757","QLD","Other","Other","Non metro"]
["4798","QLD","Other","Other","Non metro"]
["4799","QLD","Other","Other","Non metro"]
["4800","QLD",3,3,"Non metro"]
["4801","QLD","Other","Other","Non metro"]
["4802","QLD",2,2,"Non metro"]
["4803","QLD","Other","Other","Non metro"]
["4804","QLD","Other","Other","Non metro"]
["4805","QLD",3,3,"Non metro"]
["4806","QLD","Other","Other","Non metro"]
["4807","QLD",3,3,"Non metro"]
["4808","QLD",3,3,"Non metro"]
["4809","QLD","Other","Other","Non metro"]
["4810","QLD",1,1,"Non metro"]
["4811","QLD",1,1,"Non metro"]
["4812","QLD",1,1,"Non metro"]
["4814","QLD",1,1,"Non metro"]
["4815","QLD",1,1,"Non metro"]
["4816","QLD",3,3,"Non metro"]
["4817","QLD",1,1,"Non metro"]
["4818","QLD",1,1,"Non metro"]
["4819","QLD",2,2,"Non metro"]
["4820","QLD",3,3,"Non metro"]
["4821","QLD","Other","Other","Non metro"]
["4822","QLD","Other","Other","Non metro"]
["4823","QLD","Other","Other","Non metro"]
["4824","QLD","Other","Other","Non metro"]
["4825","QLD",3,3,"Non metro"]
["4828","QLD","Other","Other","Non metro"]
["4829","QLD","Other","Other","Non metro"]
["4830","QLD","Other","Other","Non metro"]
["4849","QLD","Other","Other","Non metro"]
["4850","QLD",3,3,"Non metro"]
["4852","QLD","Other","Other","Non metro"]
["4854","QLD","Other","Other","Non metro"]
["4855","QLD","Other","Other","Non metro"]
["4856","QLD","Other","Other","Non metro"]
["4858","QLD","Other","Other","Non metro"]
["4859","QLD","Other","Other","Non metro"]
["4860","QLD",3,3,"Non metro"]
["4861","QLD","Other","Other","Non metro"]
["4865","QLD",1,1,"Non metro"]
["4868","QLD",1,1,"Non metro"]
["4869","QLD",1,1,"Non metro"]
["4870","QLD",1,1,"Metro"]
["4871","QLD","Other","Other","Non metro"]
["4872","QLD","Other","Other","Non metro"]
["4873","QLD","Other","Other","Non metro"]
["4874","QLD","Other","Other","Non metro"]
["4875","QLD","Other","Other","Non metro"]
["4876","QLD","Other","Other","Non metro"]
["4877","QLD",2,2,"Non metro"]
["4878","QLD",1,1,"Non metro"]
["4879","QLD",1,1,"Metro"]
["4880","QLD",3,3,"Non metro"]
["4881","QLD",2,2,"Non metro"]
["4882","QLD","Other","Other","Non metro"]
["4883","QLD",2,2,"Non metro"]
["4884","QLD","Other","Other","Non metro"]
["4885","QLD","Other","Other","Non metro"]
["4886","QLD","Other","Other","Non metro"]
["4887","QLD","Other","Other","Non metro"]
["4888","QLD","Other","Other","Non metro"]
["4890","QLD","Other","Other","Non metro"]
["4891","QLD","Other","Other","Non metro"]
["4892","QLD","Other","Other","Non metro"]
["4895","QLD","Other","Other","Non metro"]
["5000","SA",1,1,"Inner city"]
["5005","SA",1,1,"Inner city"]
["5006","SA",1,1,"Metro"]
["5007","SA",1,1,"Metro"]
["5008","SA",1,1,"Metro"]
["5009","SA",1,1,"Metro"]
["5010","SA",1,1,"Metro"]
["5011","SA",1,1,"Metro"]
["5012","SA",1,1,"Metro"]
["5013","SA",1,1,"Metro"]
["5014","SA",1,1,"Metro"]
["5015","SA",1,1,"Metro"]
["5016","SA",1,1,"Metro"]
["5017","SA",1,1,"Metro"]
["5018","SA",1,1,"Metro"]
["5019","SA",1,1,"Metro"]
["5020","SA",1,1,"Metro"]
["5021","SA",1,1,"Metro"]
["5022","SA",1,1,"Metro"]
["5023","SA",1,1,"Metro"]
["5024","SA",1,1,"Metro"]
["5025","SA",1,1,"Metro"]
["5031","SA",1,1,"Metro"]
["5032","SA",1,1,"Metro"]
["5033","SA",1,1,"Metro"]
["5034","SA",1,1,"Metro"]
["5035","SA",1,1,"Metro"]
["5037","SA",1,1,"Metro"]
["5038","SA",1,1,"Metro"]
["5039","SA",1,1,"Metro"]
["5040","SA",1,1,"Metro"]
["5041","SA",1,1,"Metro"]
["5042","SA",1,1,"Metro"]
["5043","SA",1,1,"Metro"]
["5044","SA",1,1,"Metro"]
["5045","SA",1,1,"Metro"]
["5046","SA",1,1,"Metro"]
["5047","SA",1,1,"Metro"]
["5048","SA",1,1,"Metro"]
["5049","SA",1,1,"Metro"]
["5050","SA",1,1,"Metro"]
["5051","SA",1,1,"Metro"]
["5052","SA",1,1,"Metro"]
["5061","SA",1,1,"Metro"]
["5062","SA",1,1,"Metro"]
["5063","SA",1,1,"Metro"]
["5064","SA",1,1,"Metro"]
["5065","SA",1,1,"Metro"]
["5066","SA",1,1,"Metro"]
["5067","SA",1,1,"Metro"]
["5068","SA",1,1,"Metro"]
["5069","SA",1,1,"Metro"]
["5070","SA",1,1,"Metro"]
["5072","SA",1,1,"Metro"]
["5073","SA",1,1,"Metro"]
["5074","SA",1,1,"Metro"]
["5075","SA",1,1,"Metro"]
["5076","SA",1,1,"Metro"]
["5081","SA",1,1,"Metro"]
["5082","SA",1,1,"Metro"]
["5083","SA",1,1,"Metro"]
["5084","SA",1,1,"Metro"]
["5085","SA",1,1,"Metro"]
["5086","SA",1,1,"Metro"]
["5087","SA",1,1,"Metro"]
["5088","SA",1,1,"Metro"]
["5089","SA",1,1,"Metro"]
["5090","SA",1,1,"Metro"]
["5091","SA",1,1,"Metro"]
["5092","SA",1,1,"Metro"]
["5093","SA",1,1,"Metro"]
["5094","SA",1,1,"Metro"]
["5095","SA",1,1,"Metro"]
["5096","SA",1,1,"Metro"]
["5097","SA",1,1,"Metro"]
["5098","SA",1,1,"Metro"]
["5106","SA",1,1,"Metro"]
["5107","SA",1,1,"Metro"]
["5108","SA",1,1,"Metro"]
["5109","SA",1,1,"Metro"]
["5110","SA",1,1,"Metro"]
["5111","SA",1,1,"Metro"]
["5112","SA",1,1,"Metro"]
["5113","SA",1,1,"Metro"]
["5114","SA",1,1,"Metro"]
["5115","SA",1,1,"Metro"]
["5116","SA",1,1,"Metro"]
["5117","SA",1,1,"Metro"]
["5118","SA",1,1,"Metro"]
["5120","SA",1,1,"Metro"]
["5121","SA",1,1,"Metro"]
["5125","SA",1,1,"Metro"]
["5126","SA",1,1,"Metro"]
["5127","SA",1,1,"Metro"]
["5131","SA",1,1,"Metro"]
["5132","SA",1,1,"Metro"]
["5133","SA",1,1,"Metro"]
["5134","SA",1,1,"Metro"]
["5136","SA",1,1,"Metro"]
["5137","SA",1,1,"Metro"]
["5138","SA",1,1,"Metro"]
["5139","SA",1,1,"Metro"]
["5140","SA",1,1,"Metro"]
["5141","SA",1,1,"Metro"]
["5142","SA",1,1,"Metro"]
["5144","SA",1,1,"Metro"]
["5150","SA",1,1,"Metro"]
["5151","SA",1,1,"Metro"]
["5152","SA",1,1,"Metro"]
["5153","SA",1,1,"Metro"]
["5154","SA",1,1,"Metro"]
["5155","SA",1,1,"Metro"]
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["5171","SA",1,1,"Metro"]
["5172","SA",1,1,"Metro"]
["5173","SA",1,1,"Metro"]
["5174","SA",1,1,"Metro"]
["5201","SA",3,3,"Non metro"]
["5202","SA",3,3,"Non metro"]
["5203","SA",3,3,"Non metro"]
["5204","SA",3,3,"Non metro"]
["5210","SA","Other","Other","Non metro"]
["5211","SA",2,2,"Non metro"]
["5212","SA",2,2,"Non metro"]
["5213","SA",2,2,"Non metro"]
["5214","SA",2,2,"Non metro"]
["5220","SA","Other","Other","Non metro"]
["5221","SA","Other","Other","Non metro"]
["5222","SA","Other","Other","Non metro"]
["5223","SA","Other","Other","Non metro"]
["5231","SA",1,1,"Non metro"]
["5232","SA",1,1,"Non metro"]
["5233","SA",1,1,"Non metro"]
["5234","SA",1,1,"Non metro"]
["5235","SA","Other","Other","Non metro"]
["5236","SA","Other","Other","Non metro"]
["5237","SA","Other","Other","Non metro"]
["5238","SA","Other","Other","Non metro"]
["5240","SA",1,1,"Non metro"]
["5241","SA",1,1,"Non metro"]
["5242","SA",1,1,"Non metro"]
["5243","SA",1,1,"Non metro"]
["5244","SA",1,1,"Non metro"]
["5245","SA",1,1,"Non metro"]
["5250","SA",1,1,"Non metro"]
["5251","SA",1,1,"Non metro"]
["5252","SA",3,3,"Non metro"]
["5253","SA",1,1,"Non metro"]
["5254","SA","Other","Other","Non metro"]
["5255","SA",3,3,"Non metro"]
["5256","SA","Other","Other","Non metro"]
["5259","SA","Other","Other","Non metro"]
["5260","SA","Other","Other","Non metro"]
["5261","SA","Other","Other","Non metro"]
["5262","SA","Other","Other","Non metro"]
["5263","SA","Other","Other","Non metro"]
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["5266","SA","Other","Other","Non metro"]
["5267","SA","Other","Other","Non metro"]
["5268","SA","Other","Other","Non metro"]
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["5270","SA","Other","Other","Non metro"]
["5271","SA","Other","Other","Non metro"]
["5272","SA","Other","Other","Non metro"]
["5273","SA","Other","Other","Non metro"]
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["5276","SA","Other","Other","Non metro"]
["5277","SA","Other","Other","Non metro"]
["5278","SA","Other","Other","Non metro"]
["5279","SA","Other","Other","Non metro"]
["5280","SA",3,3,"Non metro"]
["5290","SA",1,1,"Non metro"]
["5291","SA",1,1,"Non metro"]
["5301","SA","Other","Other","Non metro"]
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["5322","SA","Other","Other","Non metro"]
["5330","SA","Other","Other","Non metro"]
["5331","SA","Other","Other","Non metro"]
["5332","SA","Other","Other","Non metro"]
["5333","SA",3,3,"Non metro"]
["5340","SA","Other","Other","Non metro"]
["5341","SA",3,3,"Non metro"]
["5342","SA","Other","Other","Non metro"]
["5343","SA",3,3,"Non metro"]
["5344","SA","Other","Other","Non metro"]
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["5346","SA","Other","Other","Non metro"]
["5350","SA","Other","Other","Non metro"]
["5351","SA",3,3,"Non metro"]
["5352","SA",3,3,"Non metro"]
["5353","SA",3,3,"Non metro"]
["5354","SA","Other","Other","Non metro"]
["5355","SA",1,1,"Non metro"]
["5356","SA","Other","Other","Non metro"]
["5357","SA","Other","Other","Non metro"]
["5360","SA","Other","Other","Non metro"]
["5371","SA","Other","Other","Non metro"]
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["5373","SA","Other","Other","Non metro"]
["5374","SA","Other","Other","Non metro"]
["5381","SA","Other","Other","Non metro"]
["5400","SA","Other","Other","Non metro"]
["5401","SA","Other","Other","Non metro"]
["5410","SA","Other","Other","Non metro"]
["5411","SA","Other","Other","Non metro"]
["5412","SA","Other","Other","Non metro"]
["5413","SA","Other","Other","Non metro"]
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["5416","SA","Other","Other","Non metro"]
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["5420","SA","Other","Other","Non metro"]
["5421","SA","Other","Other","Non metro"]
["5422","SA","Other","Other","Non metro"]
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["5432","SA","Other","Other","Non metro"]
["5433","SA","Other","Other","Non metro"]
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["5440","SA","Other","Other","Non metro"]
["5451","SA","Other","Other","Non metro"]
["5452","SA","Other","Other","Non metro"]
["5453","SA",3,3,"Non metro"]
["5454","SA","Other","Other","Non metro"]
["5455","SA","Other","Other","Non metro"]
["5460","SA","Other","Other","Non metro"]
["5461","SA","Other","Other","Non metro"]
["5462","SA","Other","Other","Non metro"]
["5464","SA","Other","Other","Non metro"]
["5470","SA","Other","Other","Non metro"]
["5471","SA","Other","Other","Non metro"]
["5472","SA","Other","Other","Non metro"]
["5473","SA","Other","Other","Non metro"]
["5480","SA","Other","Other","Non metro"]
["5481","SA","Other","Other","Non metro"]
["5482","SA","Other","Other","Non metro"]
["5483","SA","Other","Other","Non metro"]
["5485","SA","Other","Other","Non metro"]
["5490","SA","Other","Other","Non metro"]
["5491","SA","Other","Other","Non metro"]
["5493","SA","Other","Other","Non metro"]
["5495","SA","Other","Other","Non metro"]
["5501","SA",1,1,"Non metro"]
["5502","SA","Other","Other","Non metro"]
["5510","SA","Other","Other","Non metro"]
["5520","SA","Other","Other","Non metro"]
["5521","SA","Other","Other","Non metro"]
["5522","SA","Other","Other","Non metro"]
["5523","SA","Other","Other","Non metro"]
["5540","SA",1,1,"Non metro"]
["5550","SA","Other","Other","Non metro"]
["5552","SA","Other","Other","Non metro"]
["5554","SA",3,3,"Non metro"]
["5555","SA","Other","Other","Non metro"]
["5556","SA",3,3,"Non metro"]
["5558","SA",3,3,"Non metro"]
["5560","SA","Other","Other","Non metro"]
["5570","SA","Other","Other","Non metro"]
["5571","SA","Other","Other","Non metro"]
["5572","SA","Other","Other","Non metro"]
["5573","SA","Other","Other","Non metro"]
["5575","SA","Other","Other","Non metro"]
["5576","SA","Other","Other","Non metro"]
["5577","SA","Other","Other","Non metro"]
["5580","SA","Other","Other","Non metro"]
["5581","SA","Other","Other","Non metro"]
["5582","SA","Other","Other","Non metro"]
["5583","SA","Other","Other","Non metro"]
["5600","SA",2,2,"Non metro"]
["5601","SA","Other","Other","Non metro"]
["5602","SA","Other","Other","Non metro"]
["5603","SA","Other","Other","Non metro"]
["5604","SA","Other","Other","Non metro"]
["5605","SA","Other","Other","Non metro"]
["5606","SA",3,3,"Non metro"]
["5607","SA","Other","Other","Non metro"]
["5608","SA",1,1,"Non metro"]
["5609","SA",1,1,"Non metro"]
["5630","SA","Other","Other","Non metro"]
["5631","SA","Other","Other","Non metro"]
["5632","SA","Other","Other","Non metro"]
["5633","SA","Other","Other","Non metro"]
["5640","SA","Other","Other","Non metro"]
["5641","SA","Other","Other","Non metro"]
["5642","SA","Other","Other","Non metro"]
["5650","SA","Other","Other","Non metro"]
["5651","SA","Other","Other","Non metro"]
["5652","SA","Other","Other","Non metro"]
["5653","SA","Other","Other","Non metro"]
["5654","SA","Other","Other","Non metro"]
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["5661","SA","Other","Other","Non metro"]
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["5671","SA","Other","Other","Non metro"]
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["5690","SA","Other","Other","Non metro"]
["5700","SA",1,1,"Non metro"]
["5701","SA","Other","Other","Non metro"]
["5710","SA","Other","Other","Non metro"]
["5713","SA","Other","Other","Non metro"]
["5715","SA","Other","Other","Non metro"]
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["5722","SA","Other","Other","Non metro"]
["5723","SA","Other","Other","Non metro"]
["5724","SA","Other","Other","Non metro"]
["5725","SA","Other","Other","Non metro"]
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["5733","SA","Other","Other","Non metro"]
["5734","SA","Other","Other","Non metro"]
["5950","SA","Other","Other","Metro"]
["5960","SA","Other","Other","Metro"]
["6000","WA",1,1,"Inner city"]
["6003","WA",1,1,"Inner city"]
["6004","WA",1,1,"Inner city"]
["6005","WA",1,1,"Metro"]
["6006","WA",1,1,"Metro"]
["6007","WA",1,1,"Metro"]
["6008","WA",1,1,"Metro"]
["6009","WA",1,1,"Metro"]
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["6017","WA",1,1,"Metro"]
["6018","WA",1,1,"Metro"]
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["6064","WA",1,1,"Metro"]
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["6076","WA",1,1,"Metro"]
["6077","WA",1,1,"Metro"]
["6078","WA",1,1,"Metro"]
["6079","WA",1,1,"Metro"]
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["6104","WA",1,1,"Metro"]
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["6215","WA","Other","Other","Non metro"]
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["6225","WA",3,3,"Non metro"]
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["6280","WA",1,1,"Non metro"]
["6281","WA",1,1,"Non metro"]
["6282","WA",1,1,"Non metro"]
["6284","WA",1,1,"Non metro"]
["6285","WA",1,1,"Non metro"]
["6286","WA","Other","Other","Non metro"]
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["6290","WA",2,2,"Non metro"]
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["6323","WA","Other","Other","Non metro"]
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["6327","WA","Other","Other","Non metro"]
["6328","WA","Other","Other","Non metro"]
["6330","WA",1,1,"Non metro"]
["6333","WA",3,3,"Non metro"]
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["6337","WA","Other","Other","Non metro"]
["6338","WA","Other","Other","Non metro"]
["6341","WA","Other","Other","Non metro"]
["6343","WA","Other","Other","Non metro"]
["6346","WA","Other","Other","Non metro"]
["6348","WA","Other","Other","Non metro"]
["6350","WA","Other","Other","Non metro"]
["6351","WA","Other","Other","Non metro"]
["6352","WA","Other","Other","Non metro"]
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["6358","WA","Other","Other","Non metro"]
["6359","WA","Other","Other","Non metro"]
["6361","WA","Other","Other","Non metro"]
["6363","WA","Other","Other","Non metro"]
["6365","WA","Other","Other","Non metro"]
["6367","WA","Other","Other","Non metro"]
["6368","WA","Other","Other","Non metro"]
["6369","WA","Other","Other","Non metro"]
["6370","WA","Other","Other","Non metro"]
["6372","WA","Other","Other","Non metro"]
["6373","WA","Other","Other","Non metro"]
["6375","WA","Other","Other","Non metro"]
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["6385","WA","Other","Other","Non metro"]
["6386","WA","Other","Other","Non metro"]
["6390","WA","Other","Other","Non metro"]
["6391","WA","Other","Other","Non metro"]
["6392","WA","Other","Other","Non metro"]
["6393","WA","Other","Other","Non metro"]
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["6395","WA","Other","Other","Non metro"]
["6396","WA","Other","Other","Non metro"]
["6397","WA","Other","Other","Non metro"]
["6398","WA","Other","Other","Non metro"]
["6401","WA",3,3,"Non metro"]
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["6405","WA","Other","Other","Non metro"]
["6407","WA","Other","Other","Non metro"]
["6409","WA","Other","Other","Non metro"]
["6410","WA","Other","Other","Non metro"]
["6411","WA","Other","Other","Non metro"]
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["6427","WA","Other","Other","Non metro"]
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["6429","WA","Other","Other","Non metro"]
["6430","WA",1,1,"Non metro"]
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["6432","WA",3,3,"Non metro"]
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["6436","WA","Other","Other","Non metro"]
["6437","WA","Other","Other","Non metro"]
["6438","WA","Other","Other","Non metro"]
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["6445","WA","Other","Other","Non metro"]
["6446","WA","Other","Other","Non metro"]
["6447","WA","Other","Other","Non metro"]
["6448","WA","Other","Other","Non metro"]
["6450","WA",2,2,"Non metro"]
["6452","WA","Other","Other","Non metro"]
["6460","WA","Other","Other","Non metro"]
["6461","WA","Other","Other","Non metro"]
["6462","WA","Other","Other","Non metro"]
["6463","WA","Other","Other","Non metro"]
["6465","WA","Other","Other","Non metro"]
["6466","WA","Other","Other","Non metro"]
["6467","WA","Other","Other","Non metro"]
["6468","WA","Other","Other","Non metro"]
["6470","WA","Other","Other","Non metro"]
["6472","WA","Other","Other","Non metro"]
["6473","WA","Other","Other","Non metro"]
["6475","WA","Other","Other","Non metro"]
["6476","WA","Other","Other","Non metro"]
["6477","WA","Other","Other","Non metro"]
["6479","WA","Other","Other","Non metro"]
["6480","WA","Other","Other","Non metro"]
["6484","WA","Other","Other","Non metro"]
["6485","WA","Other","Other","Non metro"]
["6487","WA","Other","Other","Non metro"]
["6488","WA","Other","Other","Non metro"]
["6489","WA","Other","Other","Non metro"]
["6490","WA","Other","Other","Non metro"]
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["6502","WA","Other","Other","Non metro"]
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["6504","WA","Other","Other","Non metro"]
["6505","WA","Other","Other","Non metro"]
["6506","WA","Other","Other","Non metro"]
["6507","WA","Other","Other","Non metro"]
["6509","WA","Other","Other","Non metro"]
["6510","WA","Other","Other","Non metro"]
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["6514","WA","Other","Other","Non metro"]
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["6516","WA","Other","Other","Non metro"]
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["6518","WA","Other","Other","Non metro"]
["6519","WA","Other","Other","Non metro"]
["6521","WA","Other","Other","Non metro"]
["6522","WA","Other","Other","Non metro"]
["6525","WA","Other","Other","Non metro"]
["6528","WA","Other","Other","Non metro"]
["6530","WA",1,1,"Non metro"]
["6532","WA","Other","Other","Non metro"]
["6535","WA","Other","Other","Non metro"]
["6536","WA","Other","Other","Non metro"]
["6537","WA","Other","Other","Non metro"]
["6556","WA","Other","Other","Non metro"]
["6558","WA","Other","Other","Non metro"]
["6560","WA","Other","Other","Non metro"]
["6562","WA","Other","Other","Non metro"]
["6564","WA","Other","Other","Non metro"]
["6566","WA","Other","Other","Non metro"]
["6567","WA","Other","Other","Non metro"]
["6568","WA","Other","Other","Non metro"]
["6569","WA","Other","Other","Non metro"]
["6571","WA","Other","Other","Non metro"]
["6572","WA","Other","Other","Non metro"]
["6574","WA","Other","Other","Non metro"]
["6575","WA","Other","Other","Non metro"]
["6603","WA","Other","Other","Non metro"]
["6605","WA","Other","Other","Non metro"]
["6606","WA","Other","Other","Non metro"]
["6608","WA","Other","Other","Non metro"]
["6609","WA","Other","Other","Non metro"]
["6612","WA","Other","Other","Non metro"]
["6613","WA","Other","Other","Non metro"]
["6614","WA","Other","Other","Non metro"]
["6616","WA","Other","Other","Non metro"]
["6620","WA","Other","Other","Non metro"]
["6623","WA","Other","Other","Non metro"]
["6625","WA","Other","Other","Non metro"]
["6627","WA","Other","Other","Non metro"]
["6628","WA","Other","Other","Non metro"]
["6630","WA","Other","Other","Non metro"]
["6631","WA","Other","Other","Non metro"]
["6632","WA","Other","Other","Non metro"]
["6635","WA","Other","Other","Non metro"]
["6638","WA","Other","Other","Non metro"]
["6639","WA","Other","Other","Non metro"]
["6640","WA","Other","Other","Non metro"]
["6642","WA","Other","Other","Non metro"]
["6646","WA","Other","Other","Non metro"]
["6701","WA","Other","Other","Non metro"]
["6705","WA","Other","Other","Non metro"]
["6707","WA","Other","Other","Non metro"]
["6710","WA","Other","Other","Non metro"]
["6711","WA","Other","Other","Non metro"]
["6712","WA","Other","Other","Non metro"]
["6713","WA",3,3,"Non metro"]
["6714","WA",1,1,"Non metro"]
["6716","WA","Other","Other","Non metro"]
["6718","WA","Other","Other","Non metro"]
["6720","WA","Other","Other","Non metro"]
["6721","WA",3,3,"Non metro"]
["6722","WA",3,3,"Non metro"]
["6725","WA",2,2,"Non metro"]
["6726","WA",2,2,"Non metro"]
["6728","WA","Other","Other","Non metro"]
["6731","WA","Other","Other","Non metro"]
["6733","WA","Other","Other","Non metro"]
["6740","WA","Other","Other","Non metro"]
["6743","WA","Other","Other","Non metro"]
["6751","WA","Other","Other","Non metro"]
["6753","WA","Other","Other","Non metro"]
["6754","WA","Other","Other","Non metro"]
["6758","WA","Other","Other","Non metro"]
["6760","WA","Other","Other","Non metro"]
["6762","WA","Other","Other","Non metro"]
["6765","WA","Other","Other","Non metro"]
["6770","WA","Other","Other","Non metro"]
["7000","TAS",1,1,"Inner city"]
["7001","TAS",1,1,"Inner city"]
["7002","TAS",1,1,"Inner city"]
["7003","TAS",1,1,"Inner city"]
["7004","TAS",1,1,"Metro"]
["7005","TAS",1,1,"Metro"]
["7007","TAS",1,1,"Metro"]
["7008","TAS",1,1,"Metro"]
["7009","TAS",1,1,"Metro"]
["7010","TAS",1,1,"Metro"]
["7011","TAS",1,1,"Metro"]
["7012","TAS",1,1,"Metro"]
["7015","TAS",1,1,"Metro"]
["7016","TAS",1,1,"Metro"]
["7017","TAS",1,1,"Metro"]
["7018","TAS",1,1,"Metro"]
["7019","TAS",1,1,"Metro"]
["7020","TAS","Other","Other","Metro"]
["7021","TAS",1,1,"Metro"]
["7022","TAS","Other","Other","Metro"]
["7023","TAS","Other","Other","Metro"]
["7024","TAS","Other","Other","Metro"]
["7025","TAS",2,2,"Metro"]
["7026","TAS","Other","Other","Metro"]
["7027","TAS","Other","Other","Metro"]
["7030","TAS",3,3,"Metro"]
["7050","TAS",1,1,"Metro"]
["7052","TAS",1,1,"Metro"]
["7053","TAS",1,1,"Metro"]
["7054","TAS",1,1,"Metro"]
["7055","TAS",1,1,"Metro"]
["7109","TAS","Other","Other","Metro"]
["7112","TAS","Other","Other","Metro"]
["7113","TAS","Other","Other","Metro"]
["7116","TAS","Other","Other","Metro"]
["7117","TAS","Other","Other","Metro"]
["7119","TAS","Other","Other","Metro"]
["7120","TAS","Other","Other","Metro"]
["7139","TAS","Other","Other","Metro"]
["7140","TAS","Other","Other","Metro"]
["7150","TAS","Other","Other","Metro"]
["7155","TAS","Other","Other","Metro"]
["7162","TAS","Other","Other","Metro"]
["7163","TAS","Other","Other","Metro"]
["7170","TAS",1,1,"Metro"]
["7171","TAS",1,1,"Metro"]
["7172","TAS",1,1,"Metro"]
["7173","TAS",1,1,"Metro"]
["7174","TAS","Other","Other","Metro"]
["7175","TAS","Other","Other","Metro"]
["7176","TAS","Other","Other","Metro"]
["7177","TAS","Other","Other","Metro"]
["7178","TAS","Other","Other","Metro"]
["7179","TAS","Other","Other","Metro"]
["7180","TAS","Other","Other","Metro"]
["7182","TAS","Other","Other","Metro"]
["7183","TAS","Other","Other","Metro"]
["7184","TAS","Other","Other","Metro"]
["7185","TAS","Other","Other","Metro"]
["7186","TAS","Other","Other","Metro"]
["7187","TAS","Other","Other","Metro"]
["7190","TAS","Other","Other","Metro"]
["7209","TAS","Other","Other","Non metro"]
["7210","TAS","Other","Other","Non metro"]
["7211","TAS","Other","Other","Non metro"]
["7212","TAS","Other","Other","Non metro"]
["7213","TAS","Other","Other","Non metro"]
["7214","TAS","Other","Other","Non metro"]
["7215","TAS","Other","Other","Non metro"]
["7216","TAS","Other","Other","Non metro"]
["7248","TAS",1,1,"Non metro"]
["7249","TAS",1,1,"Non metro"]
["7250","TAS",1,1,"Non metro"]
["7252","TAS","Other","Other","Non metro"]
["7253","TAS","Other","Other","Non metro"]
["7254","TAS","Other","Other","Non metro"]
["7255","TAS","Other","Other","Non metro"]
["7256","TAS","Other","Other","Non metro"]
["7257","TAS","Other","Other","Non metro"]
["7258","TAS",1,1,"Non metro"]
["7259","TAS","Other","Other","Non metro"]
["7260","TAS","Other","Other","Non metro"]
["7261","TAS","Other","Other","Non metro"]
["7262","TAS","Other","Other","Non metro"]
["7263","TAS","Other","Other","Non metro"]
["7264","TAS","Other","Other","Non metro"]
["7265","TAS","Other","Other","Non metro"]
["7267","TAS","Other","Other","Non metro"]
["7268","TAS","Other","Other","Non metro"]
["7270","TAS","Other","Other","Non metro"]
["7275","TAS","Other","Other","Non metro"]
["7276","TAS","Other","Other","Non metro"]
["7277","TAS",1,1,"Non metro"]
["7290","TAS",1,1,"Non metro"]
["7291","TAS","Other","Other","Non metro"]
["7292","TAS","Other","Other","Non metro"]
["7300","TAS",1,1,"Non metro"]
["7301","TAS","Other","Other","Non metro"]
["7302","TAS","Other","Other","Non metro"]
["7303","TAS","Other","Other","Non metro"]
["7304","TAS","Other","Other","Non metro"]
["7305","TAS","Other","Other","Non metro"]
["7306","TAS","Other","Other","Non metro"]
["7307","TAS",2,2,"Non metro"]
["7310","TAS",1,1,"Non metro"]
["7315","TAS",2,2,"Non metro"]
["7316","TAS",3,3,"Non metro"]
["7320","TAS",1,1,"Non metro"]
["7321","TAS","Other","Other","Non metro"]
["7322","TAS","Other","Other","Non metro"]
["7325","TAS",1,1,"Non metro"]
["7330","TAS","Other","Other","Non metro"]
["7331","TAS","Other","Other","Non metro"]
["7466","TAS","Other","Other","Non metro"]
["7467","TAS","Other","Other","Non metro"]
["7468","TAS","Other","Other","Non metro"]
["7469","TAS","Other","Other","Non metro"]
["7470","TAS","Other","Other","Non metro"]
["9494","NSW","Other","Other","Metro"]
["9797","NSW","Other","Other","Non metro"]

{"sheet":"SETUP","index":5,"n_rows":67,"n_cols":22,"rows_kept":67,"cut":false,"hidden":true,"merged":[]}
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"INDEX(FORM!$B$38:$W$48,M3,1)","v":0},{"$f":"INDEX(FORM!$B$38:$W$48,N3,1)","v":0},{"$f":"INDEX(FORM!$B$38:$W$48,O3,1)","v":0},{"$f":"INDEX(FORM!$B$38:$W$48,P3,1)","v":0},{"$f":"INDEX(FORM!$B$38:$W$48,Q3,1)","v":0},{"$f":"INDEX(FORM!$B$38:$W$48,R3,1)","v":0},{"$f":"INDEX(FORM!$B$38:$W$48,S3,1)","v":0},{"$f":"INDEX(FORM!$B$38:$W$48,T3,1)","v":0},{"$f":"INDEX(FORM!$B$38:$W$48,U3,1)","v":0},{"$f":"INDEX(FORM!$B$38:$W$48,V3,1)","v":0}]
[null,null,null,null,null,null,"ExProd","YN","NewProd","LoanType","PropertyType","PropertySize","LTP_1","LTP_2","LTP_3","LTP_4","LTP_5","LTP_6","LTP_7","LTP_8","LTP_9","LTP_10"]
[null,"Description","Value","Name",null,null,"Existing loan products","Y/N","Proposed loan product","Home loan type","Security Type","Land Size",1,{"$f":"M3+1","v":2},{"$f":"N3+1","v":3},4,5,6,7,8,9,10]
[null,null,null,null,null,null,"Home Loan","Yes","Retro","Owner occupied","Apartment/Unit/Villa","<= 2500sqm",{"$f":"IF(OR(M$1=\"Home Loan\",M$1=$G$10,M$1=\"Line of Credit\"),SETUP!$J4,\"\")","v":""},{"$f":"IF(OR(N$1=\"Home Loan\",N$1=$G$10,N$1=\"Line of Credit\"),SETUP!$J4,\"\")","v":""},{"$f":"IF(OR(O$1=\"Home Loan\",O$1=$G$10,O$1=\"Line of Credit\"),SETUP!$J4,\"\")","v":""},{"$f":"IF(OR(P$1=\"Home Loan\",P$1=$G$10,P$1=\"Line of Credit\"),SETUP!$J4,\"\")","v":""},{"$f":"IF(OR(Q$1=\"Home Loan\",Q$1=$G$10,Q$1=\"Line of Credit\"),SETUP!$J4,\"\")","v":""},{"$f":"IF(OR(R$1=\"Home Loan\",R$1=$G$10,R$1=\"Line of Credit\"),SETUP!$J4,\"\")","v":""},{"$f":"IF(OR(S$1=\"Home Loan\",S$1=$G$10,S$1=\"Line of Credit\"),SETUP!$J4,\"\")","v":""},{"$f":"IF(OR(T$1=\"Home Loan\",T$1=$G$10,T$1=\"Line of Credit\"),SETUP!$J4,\"\")","v":""},{"$f":"IF(OR(U$1=\"Home Loan\",U$1=$G$10,U$1=\"Line of Credit\"),SETUP!$J4,\"\")","v":""},{"$f":"IF(OR(V$1=\"Home Loan\",V$1=$G$10,V$1=\"Line of Credit\"),SETUP!$J4,\"\")","v":""}]
[null,"Home loans assessment rate",null,null,null,null,"Line of Credit","No","Retro Lite","Investor","Vacant Land/Construction",">2500sqm",{"$f":"IF(OR(M$1=\"Home Loan\",M$1=$G$10,M$1=\"Line of Credit\"),SETUP!$J5,\"\")","v":""},{"$f":"IF(OR(N$1=\"Home Loan\",N$1=$G$10,N$1=\"Line of Credit\"),SETUP!$J5,\"\")","v":""},{"$f":"IF(OR(O$1=\"Home Loan\",O$1=$G$10,O$1=\"Line of Credit\"),SETUP!$J5,\"\")","v":""},{"$f":"IF(OR(P$1=\"Home Loan\",P$1=$G$10,P$1=\"Line of Credit\"),SETUP!$J5,\"\")","v":""},{"$f":"IF(OR(Q$1=\"Home Loan\",Q$1=$G$10,Q$1=\"Line of Credit\"),SETUP!$J5,\"\")","v":""},{"$f":"IF(OR(R$1=\"Home Loan\",R$1=$G$10,R$1=\"Line of Credit\"),SETUP!$J5,\"\")","v":""},{"$f":"IF(OR(S$1=\"Home Loan\",S$1=$G$10,S$1=\"Line of Credit\"),SETUP!$J5,\"\")","v":""},{"$f":"IF(OR(T$1=\"Home Loan\",T$1=$G$10,T$1=\"Line of Credit\"),SETUP!$J5,\"\")","v":""},{"$f":"IF(OR(U$1=\"Home Loan\",U$1=$G$10,U$1=\"Line of Credit\"),SETUP!$J5,\"\")","v":""},{"$f":"IF(OR(V$1=\"Home Loan\",V$1=$G$10,V$1=\"Line of Credit\"),SETUP!$J5,\"\")","v":""}]
[null,"Greater of",5.0500000000000003E-2,"AssessFloor",null,null,"Personal Loan",null,"Retro Switch",null,"Established Property"]
[null,"Or % above loan rate",0.02,"DefAssess",null,null,"Credit Card",null,"Retro Thrive"]
[null,null,6.0499999999999998E-2,"AssessFloorSWITCH",null,null,"Overdraft",null,"Retro - Construction"]
[null,null,0.01,"DefAssessSWITCH",null,null,"Lease"]
[null,"% of balance per month for repayments",null,null,null,null,"Other Lender Long Term IO Loan"]
[null,"Credit card",3.8199999999999998E-2,"CCRepayRate",null,null,"Other (HECS/HELP & Tax Liability etc)"]
[null,"Overdraft",0.03,"ODRepayRate",null,null,"Hire Purchase"]
[]
[null,"Negative gearing cap per loan",2000000,"NegGrCap"]
[]
[null,"Income weighting"]
[null,"Gross Annual Salary or Wages",1]
[null,"Gross Overtime",1]
[null,"Gross Bonuses",1]
[null,"Existing Rental Income",0.8]
[null,"Proposed Rental Income",0.8]
[null,"Investment Income ",1]
[null,"Other Income",1]
[null,"Self Employed Income (incl add back)",1]
[null,"Negative Gearing Tax Effect",1]
[null,"Tax Free Income (e.g. Family Allowance)",1]
[]
[null,"Capacity service ratio threshold"]
[null,"Default",1]
[null,"Retro/Pro <= $1m",1]
[null,"Construction",1.2]
[null,"Insert new above"]
[]
[]
[null,null,"Income tax 2020-21"]
[null,null,"Lower limit","Upper limit","Carry through","Incremental Rate"]
[null,null,0,18200,0,0]
[null,null,{"$f":"D37","v":18200},45000,{"$f":"ROUND(E37+(C38-C37)*F37,2)","v":0},0.19]
[null,null,{"$f":"D38","v":45000},120000,{"$f":"ROUND(E38+(C39-C38)*F38,2)","v":5092},0.32500000000000001]
[null,null,{"$f":"D39","v":120000},180000,{"$f":"ROUND(E39+(C40-C39)*F39,2)","v":29467},0.37]
[null,null,{"$f":"D40","v":180000},"+",{"$f":"ROUND(E40+(C41-C40)*F40,2)","v":51667},0.45]
[]
[null,null,"Medicare levy 2017-18"]
[null,null,"Lower limit","Upper limit","Carry through","Incremental Rate"]
[null,null,0,22801,0,0]
[null,null,{"$f":"D45","v":22801},28501,0,0.1]
[null,null,{"$f":"D46","v":28501},"+",{"$f":"C47*F47","v":570.02},0.02]
[null,null,null,null,null,null,null,null,null,null,null,null,"Table 11: Minimum percentage factor for certain pensions and annuities (indicative only) for each age group"]
["SMSF Summary"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","2019–20 to 2022–23 income years (inclusive)","2023–2024 onwards"]
[null,"SuperAnnuation Tax Rate",0.15,"SuperTax",null,null,null,null,null,null,null,null,"Under 65",0.02,0.04]
[null,null,null,null,null,null,null,null,null,null,null,null,"65–74",2.5000000000000001E-2,0.05]
[null,"Super Contribution Cap",27500,"SuperCap",null,null,null,null,null,null,null,null,"75–79",0.03,0.06]
[null,null,null,null,null,null,null,null,null,null,null,null,"80–84",3.5000000000000003E-2,7.0000000000000007E-2]
[null,"Annual Management Fee",3000,"MgmtFeeMin",null,null,null,null,null,null,null,null,"85–89",4.4999999999999998E-2,0.09]
[null,null,null,null,null,null,null,null,null,null,null,null,"90–94",5.5E-2,0.11]
[null,"Deeming Rate",0.05,"DeemRate",null,null,null,null,null,null,null,null,"95 or more",7.0000000000000007E-2,0.14000000000000001]
[]
[]
["Loan Sizing"]
[null,null,"Max loan","Max exposure","Warning"]
[null,"Retro",2500000,3000000,"$3m"]
[null,"Retro Lite",2000000,2000000,"$2m"]
[null,"Retro SMSF",1500000,1500000,"$1.5m"]
[null,"Retro Switch",1500000,2500000,"$2.5m"]
[null,"Retro Thrive",2000000,3000000,"$3m"]
[null,"Retro - Construction",1000000,3000000,"$3m"]

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[]
[null,"Servicing calculator - Notes and guidelines"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Number of applicants:",null,null,null,null,null,null,null,null,null,null,null,"Number of dependants"]
[null,"The servicing calculator is designed to assist capture the required data to assess loan affordability based on declared living expenses and commitments (the calculator uses HEM living expense methodolgy ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Couples",null,null,null,null,null,1,null,null,null,null,null,0,null,null,null,null,null,1]
[null,"as a floor limit only and should not be relied upon to assess the customers true living expense).  When assessing the data it is important to determine whether the declared living and commitment expenses ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single adults",null,null,null,null,null,1,null,null,null,null,null,0,null,null,null,null,null,1]
[null,"are reasonable for the customers circumstances (customers trasactional banking statements are one way of reviewing customer commitments).",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,1]
[null,"All living expense and commitment figures should be based on the customers circumstances post loan."]
[null,"Breakdown of the customers living expenses and methodology should be included with the file and be in line with Responsible Lending practices"]
[null,"A \"Pass\" outcome on the servicing calculator does not guarantee that the loan meets AFG Home Loans Lending Guidelines, and should not be deemed as approved as a result"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Application name:",null,null,null,null,null,1]
[null,"User Notes"]
[null,"u","Input application data where appropriate in white form boxes",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Proposed loan details"]
[null,"u","Complete all fields highlighted yellow before serviceability result can be obtained "]
[null,"u","Can use 'Tab' key to scroll through the input fields",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Product",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan type",null,null,null,null,null,null,null,"Is this tax deductible?",null,null,null,"Balance/limit",null,null,null,"Assessment rate",null,null,null,"Loan rate",null,null,null,"Loan terms (yrs)",null,null,null,"Interest only period (yrs)",null,null,null,"Repayments"]
[]
[null,"Applicants & Customer Name",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Applicants & Customer Name",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,1,null,null,null,1,null,null,null,null,null,null,null,1,null,null,null,1,null,null,null,1]
[null,"u","Selected the number of couples or singles  which will then unlock the number of dependants for each category - ensure that 0 is input into the yellow highlighted mandatory field not being used",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"u",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,1,null,null,null,1,null,null,null,null,null,null,null,1,null,null,null,1,null,null,null,1]
[null,"u","Input the customer name into the applicants name",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"u",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,1,null,null,null,1,null,null,null,null,null,null,null,1,null,null,null,1,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,"Proposed Security"]
[null,"u","Enter a valid Australian Postcode"]
[null,"u","Select from drop down lists or input data - ensure all yellow highlighted mandatory fields are all filled in"]
[null,"u","The Accepted Rate will outline what Interest Rates are available for the Security"]
[]
[null,"Proposed Loan",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Proposed Loan",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,1,null,null,null,1,null,null,null,null,null,null,null,1,null,null,null,1,null,null,null,1]
[null,"u","Select the product from the drop down list in the first highlighted yellow cell under Proposed Loan, this will then highlight all mandatory fields required to be completed for this loan",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"u",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,1,null,null,null,1,null,null,null,null,null,null,null,1,null,null,null,1,null,null,null,1]
[null,"u","Select from drop down lists or input data - ensure that 0 is input into the yellow highlighted mandatory field not being used"]
[null,"u","Where multiple loan splits are required (maximum of 4), then repeat the above step"]
[]
[null,"Total Continuing Commitments"]
[null,"u","Select the first cell under Total  Continuing Commitment and select a product from the drop down list, this will then highlight in yellow all mandatory fields required to be completed",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total continuing commitments"]
[null,"u","Select from drop down lists or input data - ensure that 0 is input into the yellow highlighted mandatory field not being used"]
[null,"u","Repeat the above step for all remaining commitments ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Product",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan type",null,null,null,null,null,null,null,"Is this tax deductible?",null,null,null,"Will this be repaid by proposed loan?",null,null,null,null,null,"Loan amount",null,null,null,"Remaining term (yrs)",null,null,null,"Interest only term (yrs)",null,null,null,"Interest rate",null,null,null,"Monthly repayment",null,null,null,"Total repayments"]
[]
[null,"Living Expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Living Expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,0,null,null,null,1,null,null,null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,0,null,null,null,1]
[null,"u","All living expenses data is mandatory and requires a monetary value allocated in the monthly amount or 0 with an explanation on why this expense is not applicable",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"u",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,0,null,null,null,1,null,null,null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,0,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,null,null,0,null,null,null,0,null,null,null,0,null,null,null,0,null,null,null,0]
[null,"Annual Income Details",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual Income Details",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,0,null,null,null,1,null,null,null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,0,null,null,null,1]
[null,"u","Income input details will generate based on the number of applicants selected ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"u",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,0,null,null,null,1,null,null,null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,0,null,null,null,1]
[null,"u","All income must be treated as earned via an individual - if applicants are self employed via a company/trust structure all net profits will require distribution via the individuals based on structure/shareholding ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"u",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,0,null,null,null,1,null,null,null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,0,null,null,null,1]
[null,"u","Where no income is earned by an applicant or in a particular category then ensure 0 is input",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"u",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,0,null,null,null,1,null,null,null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,0,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,null,null,0,null,null,null,0,null,null,null,0,null,null,null,0,null,null,null,0]
[null,"Serviceability Results",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Serviceability Results",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,0,null,null,null,1,null,null,null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,0,null,null,null,1]
[null,"u","The result retuned will be Pass, Fail or Input Incomplete.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"u",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,0,null,null,null,1,null,null,null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,{"$error":"#N/A"},null,null,null,0,null,null,null,1]
[null,"u","Where \"Input Incomplete\" is displayed then a yellow highlighted mandatory field has not been completed"]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Living expenses (not including loan repayments declared above)"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly amount",null,null,null,"Comments if not applicable"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"B54","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$error":"#VALUE!"},null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"B55","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,0]
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