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1 Comerton-Forde, Carole, Edwin Ip, David C. Ribar, James Ross, Nicolas Salamanca, Sam Tsiaplias (2018) “Using Survey and Banking Data to Measure Financial Wellbeing”, Commonwealth Bank of Australia and Melbourne Institute, Financial Wellbeing Scales Technical Report No. 1, March 2018 https://melbourneinstitute.unimelb.edu.au/data-tools/tools/financial-wellbeing-scales