...and all they can do is hide from it. Nobdy has ever argued against what I say. Nobody has ever provided evidence against what I say. They just think silence works. Well it doesn't. It needs to be tested and rebutted

..but it still being covered up by a whole world. And as a consequence countless millions have gone through the same hell for decades, are going through it, and will go through it. Will they ever revisit their flawed research and see the huge error. Who knows how many millions lives destroyed

I will be here for a while

Don't you just hate processes where you are forced to admit to something you did not do just to get through it. What kind of people are like that

..and every time it goes back up pay the tax again lol

I just see a lot of practical issues. Funds and asset prices go up and down. Do they pay your tax back when it falls in value

Have you found an official link to the Universities' statement?

Seriously all credibility and trust is lost because of the lies and rorts

..what else. Oh the bastardy of the recent Federal Reinisurance Cheme giving them an excuse to foorce people in non cyclone areas to cyclone proof their homes. Nothing to see here

...and think about the corruption of that system and how roting insurance works together with dodgy finance and developments and everything

Like the way they rort all these people never at risk of flood in gelogical time frames and everyone excuses the rorts with climate change. If we re going to fix up market failures with insurance at least charge for the right risks

Humanity did quite well before devices and apps

Chat GPT says it depends on the chicken and the egg.

Just thinking. Has anyone done a study on the difference between privileged students and less privielged scholarship students in such matters. And what other factors affect success in life

But do they know the risks?