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A bald man wearing a black shirt holds a surfboard in the front yard of a brick house.

A close up of a woman with dark hair wearing a black blazer and light shirt in front of a plant.

A portrait of Matthew Martin, legal director at Mortgage Stress Victoria. He is smiling and wearing a navy suit and tie.

A bald man wearing glasses sits at his desk in front of a book shelf.

A drone shot of rows of houses in Shell Cove, Wollongong's south.

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