COMMENT:

Anyone involved in business, be it big or small, should sit down and read Australia's banking royal commission final report.

The damning analysis of Commissioner Kenneth Hayne is a huge document but it's fascinating in every respect.

While the recommendations may not have been as harsh as some may have expected, the report itself is scathing of the greed-driven, unscrupulous practices that have been prevalent in financial services for too long.

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It's extremely hard to process some of the examples cited, such as the case of a young man with Down syndrome being targeted and sold a financial product