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10 things you need to know this morning in Australia Good morning, folks.

Australians double-dipping on super have drained $4.3 billion from their accounts, as second round early withdrawals open up In the week up to July 5, Australians made 511,000 applications to access their super early. Of those, 346,000 were making their second withdrawal of up to $10,000 under the government scheme. A total of 473,000 Australians have now applied for a second withdrawal.

'It's like another kick in the guts': Restaurant owners in Melbourne on how they're tackling the 2nd round of lockdowns Restaurant owners in Melbourne shared what lessons they've learned from the first round of lockdowns, now that the city is under stage three restrictions once again.

NSW has announced new COVID-19 restrictions on pubs and hotels, including a 300-patron limit in all venues New South Wales has announced a tightening of rules for pubs and hotels, following a cluster of COVID-19 cases at The Crossroads Hotel in Sydney. All venues are now subject to a 300-patron limit, and large venues must have a full-time social distancing marshal.

Australia is one of the world's most hacked countries, with 16 'significant' cyber attacks since 2010 Australia is one of the world's most hacked countries, according to a list compiled by security company Specops Software. Coming in at equal sixth in the world as targets of "significant" cyber attacks, Australia has reported 16 major incidents since 2010.

Australians refinanced a record $15 billion worth of mortgages in May, as COVID-19 delivers a 'double whammy' for the banks Some 33,712 Australians refinanced a record $15 billion worth of mortgages in the month of May, according to the ABS figures. The rush to do so represents a record high, as customers feel the financial pinch amid the country's first recession in nearly 30 years.

Australian workers have been hit by a 'surprising dip' in pay as the prospect of a second lockdown indicates choppy waters ahead While Australian businesses continue to reopen, their payrolls remain 5.7% below pre-virus levels, according to the latest ABS figures. Indicating a decline in the number of hours and jobs available, the overall recovery has been hampered by a second Victorian lockdown.

Airbnb is getting ripped apart for asking guests to donate money to hosts Airbnb rolled out a new tool that encourages guests to send "kindness cards" and cash donations to their former hosts "impacted by COVID-19." The COVID-19 pandemic has tanked Airbnb's revenue, and the property owners who operate short-term rentals through the service have seen rent payments evaporate as people stop travelling.

Oil demand will rebound sharply in 2021, surpassing pre-virus levels, OPEC says Demand for OPEC-sourced crude oil will recover 25% in 2021 and surpass levels seen in 2019, the global coalition of producers said in a Tuesday report.

T2, CUA, Patagonia and Kickstarter have all achieved success off social good – here's how their strategy works In 2020, it's becoming clear that the priorities of large businesses have shifted immensely. More than ever, businesses are making an effort to break the status-quo by using profits to foster their consumer community for the greater good, becoming leaders in their fields in the process.

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