| Good afternoon, The Australian Prudential Regulation Authority has waded into a looming scandal over ANZ’s markets team , imposing an extra $250m penalty due to concerns about persistent risk governance and culture issues. Meanwhile, voluntary administrators have been appointed to battery maker Redflow - a move which raises questions about the viability of the federal government’s Future Made in Australia policy. And our writer, Anthony Keane, takes a hard look at the euphemistically named "loyalty tax" of sticking with your utilities and other providers, which unnecessarily costs Australians thousands of dollars each year. | 