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All you need is your senior's card or your Centrelink pension card make your application. when you fill your application out say that you do not have a smart phone then you will get a physical card to use as I found that quite a number of servos card readers do not recognize the phone app display.

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good receipe. For those who find swallowing or chewing difficult use chicken mince instead

2Old Ducks Good morning, all. 2 Old Ducks have just jumped in the puddle