https://www.dianomi.com/click.epl?pn=138960&offer=35284955&savid=359089&can_cookie=1&unique_id=aPScilmxFoIyDZFcEMX6TAAAACM&adv=75916&said=71495&cf=456.3057.Hotcopper&smartreferer=https%3A%2F%2Fwww.hotcopper.com.au%2Fthreads%2Fopinions-about-alb-scheme-of-arrangement.7583241%2Fpage-23%3F_pmch%3D1760693275436