A financial agreement is a document which primarily records how the assets and financial resources of a couple in a marriage or a defacto relationship are to be divided if there is a breakdown of the marriage or the defacto relationship.

The Financial Ombudsman Service was created on 1 July 2008 when the Insurance Ombudsman Service, the Financial Industry Complaints Service and the Banking and Financial Ombudsman Service were consolidated.

One aim of the migration program is to meet the skills shortage in Australia. This year, the declining economy and increase in unemployment figures resulted in the government reviewing its migration program.

> Download this issue as a PDF