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Computer hacking really results in financial losses and hassles. The objectives of terrorist groups are more serious. That is not to say that cyber groups can't access a telephone switch in Manhattan on a day like 9/11, shut it down, and therefore cause more casualties.
Economics is all about consumption. People either spend money now or they use financial instruments - like bonds, stocks and savings accounts - so they can spend more later.
No one's ever achieved financial fitness with a January resolution that's abandoned by February.
2009 was a tough year, but Australia rose to the challenge of the global financial crisis. It shows what can be done when we all join together and work together, governments of all persuasions state, territory and local; businesses large and small; unions and local communities right across the nation.
Investment banking has, in recent years, resembled a casino, and the massive scale of gambling losses has dragged down traditional business and retail lending activities as banks try to rebuild their balance sheets. This was one aspect of modern financial liberalisation that had dire consequences.