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Hello, I'm Louise Crealy with the latest headlines from ABC News. Nine Australians arrested after stripping down at the formula one grand prix in Malaysia, have been released after apologising for their actions. The men are now free to leave the country after spending four nights in jail. They were charged with public nuisance, but the judge did not record a conviction based partly on the regret expressed by the accused. Two men have been crushed to death at a construction site at the Eagle Farm Racecourse in Brisbane. Police say a crane was moving a big slab of concrete when it fell and crushed the pair. Other workers managed to lift it off the men, but authorities say they died instantly. About 2 million people living near coastal areas of the US have been told to evacuate, with Hurricane Matthew expected to reach land tomorrow morning. The US National Hurricane Centre says the storm is intensifying as it heads towards Florida. And Kangaroos debutant, James Maloney, has expressed concern about the exclusion of his Cronulla team mate, Andrew Fifita, from the national squad. Fifita and the Eels' Semi Radradra have both been left out for disciplinary reasons. Those are the latest headlines from ABC News - Lateline is next.

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Good evening. I'm Matt Wordsworth. Tonight, finding your perfect legal match. In our latest Good to Know segment, the online match-making service for justice.They're developing a website which helps connect people looking for legal assistance with lawyers who work pro bono.We've taken inspiration from sites like Domain and real estate.com.au, also dating sites that really efficiently process these high volumes of matching processes.First, the parliamentary banking inquiry wrapped up today with more admissions and apologies. This time from Westpac and NAB bosses. The Government is now pushing for the establishment of a banking tribunal to hear customer complaints but Labor claims it's a stitch-up with the Westpac boss revealing he discussed it months ago in a meeting with the Treasurer Scott Morrison. Here's some of today's highlights.To our customers, I acknowledge we have not always delivered as well as we could or should have. We must do bater. In in recent years it's clear a trust gap hassope pedz up and we as an industry and as individual banks need to work harder to close the gap. For bankers, trust is the currency that matters mostHow many senior executives have been terminated as a result of this? There's been a number of incentive reductions or fawn payment.If you'd just address the question, how many senior executives have terminated as a result of these behaviours in your wealth management division?Well, I think - I don't think there's any.They've got a target they have to meet each week of trying to push one home loan, one Wealth Plus credit card, insurance, personal loan. How that in the consumer's best interests?Well, it depends on how it's done.There is a reward for people if they perform across a range of measures and I think it's also important to remember it is a relatively small - even after all that - it's a relatively small part of their pay. In the form of a bonus?It is a quarterly incentive payment.Roughly how much is it?Less than 5% of their pay for a personal banker. Have you had conversations with anyone in the Government about the idea of setting up a tribunal to deal with customer complaints prior to today?I think I was at one meeting a couple of months ago where the idea was mentioned. It was certainly not an extensive conversation.Who was that with?I would guess that it might have been the Treasurer. Did those discussions also include, as one of the topics, avoiding a Royal Commission?Not in detail.Labor's Matt Thistlethwaite and Liberal MP Scott Buchholz are both members of that House economic committee grilling bank CEOs this

seen up front is a culture of an apologetic nature where all united have acknowledged where their failures have been and I thought if there was a robust couple of days. Matt Thistlethwaite, what changed due to these hear position andI don't think anything is going to change and that's the great shame of watt's occurred. All the CEOs admitted they'd done the wrong thing, that their financial planners, that their insurance arms and that their general banking arms slauved in wrongdoing. Hundreds of planners had been either dismissed or referred to ASIC and banned and each of them admitted that there was a cultural problem and in their views that these instances could continue to occur into the future. The only thing that this inquiry has achieved is demonstrating that the banks are out of touch with their customers, the Turnbull Government is out of touch with the Australian public and this inquiry is a very, very poor comparison to a Royal Commission and justice for victims. I know Labor is pushing for a Royal Commission into banks but surely politicians are the ones that make the laws. Making you guys prepare for this hearing, listen to people who've been ripped off and got complaints about poor banking practices must make you better legislators?This inquiry's been completely one sided. We've heard from the bank executives. We haven't heard at all from the victims and the discussions I've had with victims and whistle blowers in the leadup to today's hearing indicate to me that what's been highlighted in the media is the tip of the iceberg, particularly whistle blowers in insurance who've said that what's been highlighted is just the beginning. There are so many more stories of wrongdoing and we're not going to get to look at those because we only had three days. Scott Buchholz, one of the major drivers of this inquiry was when none of the four big banks passed on the RBA's rate cut in August. When the RBA cuts rates again, do you think the bank are going to pass all of that on or do you think they'll just carry on as they were before?I think all the banks were unanimous in their position that the cash rate of 1.5% is not intrinsically linked to the cost of funds. I think everyone of them put up a reasonable argument that historically the cash rate would follow the standard variable but with the cost of raising funds, I thought they eloquently put their case in that regard. To answer your question, I wouldn't suggest future rate cuts would induce a decrease.I was listening to Brian Heartser, the chief executive of Westpac say, the past 10 years, the difference over net interest profit Marge margins has decreased, a drop of 15% for them, yet at the same time their profits have been like a rocket taking off.There's no doubt that - Are you getting the wool pulled over your eyes? That's what I'm saying. You can either have banks that operate in a subeconomic environment, ie US, UK, or you can have profitable banks like Australia, Canada. I know from an economic perspective which one I would prefer. I know from a shareholder's perspective which one I would prefer. As Australians, we should not be ashamed to say or embarrassed to advocate that we have banks that are profitable. I think what we need to shift through - and I think the inquiry over the last 12 hours clearly demonstrated - that there is an appetite and ANZ clearly led the way in addressing some of the issues that clients of the banks are raising with us and to pick up on Matt's point before to say we haven't spoken to clients, in and around that issue of credit card interest rates space, I can assure you that I took an enormous amount of commentary from bank customers who shared their concerns with me in and around where interest rate sat on credit cards at the moment.Just before I go to Matt I want to ask you about credit cards because I know that was the thing you were really hitting hard this week. How confident are you that they'll goaway now and cut credit card interest rates?You can only look at the Hansard and take at face value what ANZ said, that there's an appetite. Later in the afternoon when we spoke with Westpac, thaw agreed that if they were to give a cut in their credit rate space it wouldn't affect their profitability. We clearly articulated that what were the banks doing with reference to looking after their loyal kumers, if there was a transient customers they would drop their rates to zero for a prolonged period of time to make their bank more attractive. So I think there's real marketing space in that place and credit cards touch lot of Australians. Not everyone has an overdraft, not every Australian has a mortgage, not every Australian has a business loan but most and sundry have a credit card.You'll be following this up at the next hearing next year?I'll be following that up well before that with private letters to each of the CEOs encouraging them to consider dropping interest rates.Matt Thistlethwaite, back on the RBA cash rate and whether the banks are mirroring those rises and falls, do you accept their reasoning that because a lot of their fund nouing comes overseas and it's a bit more fickle they need to have that play?

mean, this is part of this whole economics committee inquiry and asking them to bring their positions forward. Absolutely, I'm very robust and buoyant about the vehicles that are available through ASIC, APRA, the committee, the Ramsay report that's currently - the Ramsay review that's under way, the extra powers that the small business ombudsman has. I think all pressure that will be brought to bear in conjunction with a tribunal will put enormous pressure on the banks and change the culture as the Prime Minister requests.What about new products? There was a lot of talk about these rate tracker loans that are pegged to the RBA cash rate, whether it rises or falls. It seemed no-one wanted them. Do you accept their reasoning behind it?I'm familiar with the product line that they are in the UK. In lilsening to the banks, they said not lot of the consumers pick them up. They're a wonderful product when your cash rate is trending down. They're an uncomfortable product when your cash rate is trending up and given where

credit cards and they're paying 18% on each and the bank teller says, "I think you've got the wrong product, you've got exposure of 15 to 20,000. We don't we consolidate you into an unsecured loan with 8 to 14% - I think was the range they mentioned - and rye and offer you some financial advice," I don't see where the dis incentive is for the customer or the bank who's shifted and potentially taken a net hit in their margin by shifting them out of higher percentage rates.I guess it's whether you're working for the customer or against the customer in that regard.In the example I've just presented, you can come to your own conclusion who are the beneficiaries of it and I would suggest that overwhelmingly the suggest that overwhelmingly the customer is.Matt Thistlethwaite, are you convinced that those instances where they're working against the customer are now eliminated?No, I'm not at all. All of the banks still have some form of target for their tellers and bank staff. It comes down to that they have to try and promote or reference or sell a certain number of credit card referrals, a certain number of home loan referrals, a certain number of discussions about insurance and in three of the four banks their pay and incentives are linked to that.Scott Buchholz, Matt Thistlethwaite, thank you so much for your time.Thanks, Matt.Thank you, Matt.When Christine Nixon became Victoria's Police Commissioner in 2001, she made history, the first woman to get to the very top of the force. 15 years on, she remains the only woman to have reached those heights anywhere in the country. Christine Nixon says something is not right in Australia's police services. The percentage of female officer has flat-lined and about 25% in the number of recruit applicationicise falling. She'll address the issue in a keynote speech at the University of technology tomorrow and joins me now from Brisbane. Is that figure of 25% fairly uniform across the nation and how concerning is it for you?It is and I think the really important part is that it hasn't changed and I was looking at this as part of my presentation for tomorrow and it should be just much higher. We should - if we were growing in the way I always hoped we would for women in policinging, we should be up in the 33, 34%, but we're not, we're down at 25% on average and even some of the police organisations that had more women have fallen back.Why has it just hit this wall?A really good question. It was on a trajectory - I joined in '72 and by about '92 there were 11% and by about 2006 we'd got up to 23%. By 2016, we've got to 25% so I think it's maybe just a lack of focus, a whole sort of series of things I think that the commissioners need to take into account to improve the rate and make policing more attractive for women. In 2003, two years into your role as Victorian Police Commissioner, you said, "Female officers were seen as on the fringe." Has that changed? No, I think many of them have - they've achieved really good things, they've been recognised in many sorts of ways but whilst you're still at that percentage of 25%, you're still not a significant number. I'd love to see the number up at about 35% or 40 and I think once you get that kind of a number of women in policing then you can bring about real change in the culture.Also in 2003, faced with the lowest representation of female officers in the country, you tried to introduce a quota. What happened with that?It was very interesting. I looked at Victoria police numbers and at that stage there were only 14% women which was about 16% below NSW so I simply said we'd look for an exemption and we would look to target and focus on women. The Police Association of Victoria took me to court and they won and I lost. Under discrimination law?That's right, under discrimination law, but I said to myself, "I don't really care. We're going to do it. We're going to attract women, we're going to do as much as we possibly can," and at one point in, I guess, 2006, about 45% of the applicants to join Victoria police were women.What are they now?Not sure. The figures aren't exactly as available as they should be. I think it's lower simply because you're just not seeing the numbers increase. You've got to get to a significant number of people applying and getting through the system before you can start to push up the numbers.You once said the introduction of capsicum spray was a big development for female police. What effect did it have?I have listened for a long time to the idea that women can't cope and I started out without a gun and obviously without capsicum spray and worked on the streets in Darlinghurst ask I did the job and I did it competently and eventually, over time, police officers were equipped with a range of kind of defensive tools, I guess, and I suppose it made a difference to some women but for many others they just got on and did their job and they didn't use the capsicum spray. Vast amount of police officers never use capsicum spray, they use their intellect, their problem solving skills and they solve issues.So there's no reason why women can't be 50% or more? That's true and of course more recently that's been the kind of statements from a range of commissioners who've said across Australia that they're looking to have 50% of recruits as females and I think it's the Northern Territory - and I rang up the Northern Territory commissioner and couldn't get to him but I did give an interview, same with Australian Federal Police, same with Victoria and SA so I just hope that they do what they have said they will do and our policing in this country will be much better for it.What message is it sending when you've got this flat-lining rate of 25%?I'm not even sure many of the women in policing would even know. This is not a common kind of knowledge. They recently had a conference in NSW for the 100th anniversary last year and recently in Victoria, they had awards for women in policing. I'm not sure they even understand. Some women of course, like I know women in the broader sector would say, well, that's OK, I'm fine, I don't need splings treatment and I don't need to find ways to attract women and that's fine but all of those women got there because we had anti-dpis crimination legislation, because many of us pushed boundaries, got paternity leave, got flexible work conditions and tried to improve the way women were promoted --maternity leave. I think it's important we think differently about that issue.A report in August into the AFP found 46% of women and 20% of men had been sexually harassed, something even commissioner Andrew kovelen said he found shocking. What did you think when you heard those figures?Same as him. I just thought it was

you need to make it look like it's a job where women would be welcomed. You need tee good out to the schools, you need to go out to the universities, you need to absolutely focus and you have many senior women also involved talking about what a great job it is and certainly for my was in the police for a long, long time and it was, for the vast majority of it, a terrific job to be in. I think it's about selling it, it's about absolutely holding people accountable for delivering on those targets. You have to say to the managers in recruiting and in the management command, "We're going to do this and I'm going to hold you accountable for it," and I hope they do.I want to get a quick reflection on other law and order issues. You have thrown off the cloak of commissioner, I have read you support treating drug addiction as a health issue first rather than a policing issue, does that mean you think some drugs should be decriminalised?I think in many cases it is a health issue. You look at peopling in jail and many have mental health issues and drug and alcohol addiction. I think the figure's 70%. I think we have to really think about is this idea of just putting people in jail or charging them and putting them through the criminal justice system the way to do it? I think Drug Courts has been a great way to do it. One of the things you do is get the person before a court and get some action taken but I do think we have to think about the police resources that go into minor drug possession. I'm not talking about ice, I'm not talking about amphetamines, I think perhaps marijuana but I think we need to think about how you treat the person Decriminalising
and get them off that addiction. Decriminalising marijuana?I think personal possession. It's been tried in different places and I know the quality of marijuana is so much higher these days and the potency of it but I think you've got to say where's your best outcomes going to come from and where should you put your resources?Unfortunately we're out of time, Christine Nixon but thank you for your time.Thanks, Matt.Around 8.5 million Australians will face a legal problem every year but about 20% don't take action, partly because of the cost. Tonight, as part of our Good to Know series, we take a look at a plan to use match-making technology to make it easier to find a lawyer who will work for free. It's not quite Tinder for lawyers but it does aim to make the justice system more accessible, as Jason Om reports. Forker ordinary Australians, the legal system can be hard to navigate. Many can't get access because of the cost and turn to Legal Aid. But when Legal Aid fails, they might try to find a pro bono lawyer.You're looking upwards of 5,000 to $10,000 and it's out of the reach of very many Australians and particularly the vulnerable Australians.When people try to find free legal help outside of Legal Aid, thaw can get really mixed messages and they can often get sent on somewhat of a merego round, calling one agency, being told no, trying again, being told no.But what if you could find the perfect legal match quickly and easily on your phone? That's what a group in Melbourne wants to do. Not in a sleazy way. They're developing a website which helps connect people looking for legal assistance with lawyers who work pro bono.We've taken inspiration from sites like Domain and real estate.com.au, also dating sites, that really efficiently process these high volume of matching processes.Of course the law is a serious business.So Tinder is certainly very innovative but we're probably not going to give people who need a lawyer access to lawyers' profiles which they can swipe left and right on.The people behind the idea, Justice Connect, already have a database of thousands of lawyers willing to help needy clients but the current system is laborious and slow.We need to manually go through that information or run searches of our databases to find the right lawyer to approach and then we approach them one by one. We want to create a one-stop shop for free legal help so people can quickly and easily go online, run a tool across their matter, get an understanding about whether they might be eligible for pro bono legal help and, if they are, enter our system quickly and easily.The match-making software scans the description entered by the client for specific words and identify said the area of law, say, family law. Those details are then linked up to a legal profile according to expertise, location and deadline. Pro bono lawyers are vital to community organisations such as this one run by Anabel Morgan. There's a lot of not-for-profit organisations that are really struggling financially. Government funding is getting harder to obtain, grants are getting harder to obtain. If organisations have online access to a matching process such as Justice Connect can provide, that will just be able to assist so many more organisations. Without that assistance, lot of of them would go under, I think.And with Legal Aid under pressure from cuts, the broader legal community is stepping in to fill the gap.Law firms should do pro bono work and the contribution that lawyers can make best in putting something back into the community is making sure that the largest number of people in thus country have access to justice. (LAW AND ORDER THEME MUSIC) Before we go tonight, nine Australian men who were arrested after stripping to their budgie smugglers at the Malaysian Formula 1 Grand Prix are no doubt very relieved tonight after a Kuala Lumpur court ruled they should be fined but released from custody. The Budgie 9, as they've become known, are the latest in a long line of Australians caught breaking the law overseas. For some, there have been tragic consequences. More than a dozen Australians are certainly in jail in foreign countries and just last year two of the Bali Nine convicted drug traffickers were executed by Indonesian firing squad. Others have escaped with a slap on the wrist or hefty fine. The case this week prompted Foreign Minister Julie Bishop to remind Australians to be aware of different customs and cultural sensitivities when travelling abroad but will we ever learn our lesson? This week in our viewer poll, we want to know have you ever broken the law in a foreign country even if you didn't realise it at the time? Vote in our poll on the ABC News Facebook page, the Lateline Twitter account or send an email to Lateline@abc.net.au. That's all forral Lateline. You can find all tonight's stories and interviews on our website. Goodnight.