@prefix rdf: <http://www.w3.org/1999/02/22-rdf-syntax-ns#> .
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
@prefix skos: <http://www.w3.org/2004/02/skos/core#> .
@prefix dc: <http://purl.org/dc/terms/> .
@prefix prov: <http://www.w3.org/ns/prov#> .
@prefix xsd: <http://www.w3.org/2001/XMLSchema#> .
@prefix oa: <http://www.w3.org/ns/oa#> .
@prefix cml: <https://ns.webcivics.net/cml/> .
@prefix values: <https://ns.webcivics.net/values/> .
@prefix concept: <https://ns.webcivics.net/concept/> .
@prefix cof: <https://ns.webcivics.net/cof/> .
@prefix doc: <https://ns.webcivics.net/values/c2023c00239#> .

# CML concept layer — Financial Sector Reform (Hayne Royal Commission Response—Protecting Consumers (2019 Measures)) Act 2020
# MACHINE-DERIVED from the TEXT layer — cml:Proposed, values:HeuristicDerived.
# Pending human attestation (cml:Attested / skos:exactMatch). Generated by legis2cml.

<https://ns.webcivics.net/values/au/c2023c00239> a cof:Document ;
    dc:identifier "C2023C00239" ;
    prov:wasDerivedFrom <https://www.legislation.gov.au/C2023C00239> ;
    dc:title "Financial Sector Reform (Hayne Royal Commission Response—Protecting Consumers (2019 Measures)) Act 2020"@en ;
    values:category "AU" ;
    dc:identifier "No. 2 of 2020" ;
    dc:date "15 September 2023" ;
    dc:description "An Act to amend the law relating to unfair contract terms and insurance contracts, funeral expenses facilities, funeral benefits, mortgage brokers and mortgage intermediaries, and for related purposes" ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sec-15 a cml:Concept ;
    skos:prefLabel "15 September 2023"@en ;
    cml:realizedBy doc:sec-15 ;
    cml:integrityHash "6b34c24fed7343c60b02ef6dec297dbcff189f6eb8209ea9e3c9996f20f449cf" ;
    skos:note "Includes amendments up to Act No. 69, 2023" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.1" ;
    cml:asserts concept:c2023c00239-sec-15-norm .
concept:c2023c00239-sec-15-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sec-15 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sec-21 a cml:Concept ;
    skos:prefLabel "21 September 2023"@en ;
    cml:realizedBy doc:sec-21 ;
    cml:integrityHash "d50ac0bd6c490b2234b25986837b0759e652264f783cd428395a5a2a62a19fed" ;
    skos:note "Compilation information and notes on amendments." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.1" ;
    cml:asserts concept:c2023c00239-sec-21-norm .
concept:c2023c00239-sec-21-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sec-21 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-1 a cml:Concept ;
    skos:prefLabel "1 Short title"@en ;
    cml:realizedBy doc:sch-3-sec-1 ;
    cml:integrityHash "c70cad8f6eeb95f860cc023328f2ebb4f2f1144f00f52ff3920bb48de99816db" ;
    skos:note "Short title of the Act" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.5" ;
    cml:asserts concept:c2023c00239-sch-3-sec-1-norm .
concept:c2023c00239-sch-3-sec-1-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-1 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-1 cml:asserts concept:c2023c00239-sch-3-sec-1-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-1-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "is" ;
    cml:logicSummary "Identifies the Act as a specific title" ;
    cml:conclusionText "The Act is the Financial Sector Reform (Hayne Royal Commission Response—Protecting Consumers (2019 Measures)) Act 2020." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-2 a cml:Concept ;
    skos:prefLabel "2 Commencement"@en ;
    cml:realizedBy doc:sch-3-sec-2 ;
    cml:integrityHash "af1d7289adca73e208b5fcaf7c0b0bd6bb64471d7dd79aa90db6297c57f2bc99" ;
    skos:note "Commencement rules" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.5" ;
    cml:asserts concept:c2023c00239-sch-3-sec-2-norm .
concept:c2023c00239-sch-3-sec-2-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-2 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-1-2 a cml:Concept ;
    skos:prefLabel "1 Section 1"@en ;
    cml:realizedBy doc:sch-3-sec-1-2 ;
    cml:integrityHash "6561f4272607a18d8b92b3d2c6c7741a8af51428a7b329e978fcb9bd6c54aeae" ;
    skos:note "Commencement of the Act" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.5" ;
    cml:asserts concept:c2023c00239-sch-3-sec-1-2-norm .
concept:c2023c00239-sch-3-sec-1-2-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-1-2 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-1-2 cml:asserts concept:c2023c00239-sch-3-sec-1-2-logic-alleninterval-1 .
concept:c2023c00239-sch-3-sec-1-2-logic-alleninterval-1 a cml:LogicApplication ;
    cml:modality cml:AllenInterval ;
    cml:operator "Applicable" ;
    cml:logicSummary "Temporal interval" ;
    cml:premiseText "Temporal commencement" ;
    cml:conclusionText "Commencement on day of Royal Assent" ;
    cml:executionSurface "modalities::interval_reasoning" ;
    cml:confidence "0.5000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-17 a cml:Concept ;
    skos:prefLabel "17 February"@en ;
    cml:realizedBy doc:sch-3-sec-17 ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.5" ;
    cml:asserts concept:c2023c00239-sch-3-sec-17-norm .
concept:c2023c00239-sch-3-sec-17-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-17 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-2-2 a cml:Concept ;
    skos:prefLabel "2 Section 2"@en ;
    cml:realizedBy doc:sch-3-sec-2-2 ;
    cml:integrityHash "7648c3e4512aa39823dbb36b97c0f9e0726e4110d39aa5e7572221c386ebb545" ;
    skos:note "Schedule 1" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.5" ;
    cml:asserts concept:c2023c00239-sch-3-sec-2-2-norm .
concept:c2023c00239-sch-3-sec-2-2-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-2-2 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-5 a cml:Concept ;
    skos:prefLabel "5 April 2021."@en ;
    cml:realizedBy doc:sch-3-sec-5 ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.5" ;
    cml:asserts concept:c2023c00239-sch-3-sec-5-norm .
concept:c2023c00239-sch-3-sec-5-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-5 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-5-2 a cml:Concept ;
    skos:prefLabel "5 April 2021"@en ;
    cml:realizedBy doc:sch-3-sec-5-2 ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.5" ;
    cml:asserts concept:c2023c00239-sch-3-sec-5-2-norm .
concept:c2023c00239-sch-3-sec-5-2-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-5-2 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-3 a cml:Concept ;
    skos:prefLabel "3 Section 3"@en ;
    cml:realizedBy doc:sch-3-sec-3 ;
    cml:integrityHash "e73e5c18e2d92f5754835558ae9c416a256e6fc71e54f21de249caf8645fbf83" ;
    skos:note "The day after this Act receives the Royal Assent." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.5" ;
    cml:asserts concept:c2023c00239-sch-3-sec-3-norm .
concept:c2023c00239-sch-3-sec-3-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-3 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-18 a cml:Concept ;
    skos:prefLabel "18 February"@en ;
    cml:realizedBy doc:sch-3-sec-18 ;
    cml:integrityHash "51105b8ac939d30a4c13d8f4919f35a0c33302fd707ff49bd88a8cb62c432af4" ;
    skos:note "Note: This table relates only to the provisions of this Act as originally enacted." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.5" ;
    cml:asserts concept:c2023c00239-sch-3-sec-18-norm .
concept:c2023c00239-sch-3-sec-18-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-18 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-3-2 a cml:Concept ;
    skos:prefLabel "3 Schedules"@en ;
    cml:realizedBy doc:sch-3-sec-3-2 ;
    cml:integrityHash "1909a2d4838ee4acfa106c8109c88c8adeca563eee803c77d2f553e1759221b3" ;
    skos:note "Legislation in schedules is amended or repealed according to its terms." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.6" ;
    cml:asserts concept:c2023c00239-sch-3-sec-3-2-norm .
concept:c2023c00239-sch-3-sec-3-2-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-3-2 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-3-2 cml:asserts concept:c2023c00239-sch-3-sec-3-2-logic-alleninterval-1 .
concept:c2023c00239-sch-3-sec-3-2-logic-alleninterval-1 a cml:LogicApplication ;
    cml:modality cml:AllenInterval ;
    cml:operator "Applicable" ;
    cml:logicSummary "Temporal relation between schedules and the Act" ;
    cml:premiseText "Schedules are amended or repealed according to their terms" ;
    cml:conclusionText "Temporal relation exists" ;
    cml:executionSurface "modalities::interval_reasoning" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-1-sec-1 a cml:Concept ;
    skos:prefLabel "1 Subsection 12BA(1)"@en ;
    cml:realizedBy doc:sch-1-sec-1 ;
    cml:integrityHash "f594aed4e6b42b5051c1ea53af74b0a90005bad60fd39538ea7e53d431050988" ;
    skos:note "Definition of insurance contract" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.7" ;
    cml:asserts concept:c2023c00239-sch-1-sec-1-norm .
concept:c2023c00239-sch-1-sec-1-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-1-sec-1 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-1-sec-1 cml:asserts concept:c2023c00239-sch-1-sec-1-logic-deontic-1 .
concept:c2023c00239-sch-1-sec-1-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "=" ;
    cml:logicSummary "Defines term" ;
    cml:conclusionText "insurance contract means a contract of insurance to which the Insurance Contracts Act 1984 applies." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-1-sec-2 a cml:Concept ;
    skos:prefLabel "2 At the end of section 12BF"@en ;
    cml:realizedBy doc:sch-1-sec-2 ;
    cml:integrityHash "7073f0cc5de9e51f2973c878765a4b2f32428981c4913ad363623951a0cb1ba0" ;
    skos:note "Applicability of Insurance Contracts Act to insurance contracts" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.7" ;
    cml:asserts concept:c2023c00239-sch-1-sec-2-norm .
concept:c2023c00239-sch-1-sec-2-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-1-sec-2 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-1-sec-2 cml:asserts concept:c2023c00239-sch-1-sec-2-logic-deontic-1 .
concept:c2023c00239-sch-1-sec-2-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "applies" ;
    cml:logicSummary "Section applies to Insurance Contracts Act insurance contracts" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-1-sec-3 a cml:Concept ;
    skos:prefLabel "3 At the end of subsection 12BI(1)"@en ;
    cml:realizedBy doc:sch-1-sec-3 ;
    cml:integrityHash "35497118aac0f98d382ac1b1f792a6ac20656b51d8d93976a20e3d15c62032a3" ;
    skos:note "Insurance contracts must disclose transparent terms at or before entry." ;
    dc:description "Transparent term disclosure" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.7" ;
    cml:asserts concept:c2023c00239-sch-1-sec-3-norm .
concept:c2023c00239-sch-1-sec-3-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-1-sec-3 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-1-sec-3 cml:asserts concept:c2023c00239-sch-1-sec-3-logic-deontic-1 .
concept:c2023c00239-sch-1-sec-3-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Must" ;
    cml:logicSummary "Mandatory obligation" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-1-sec-4 a cml:Concept ;
    skos:prefLabel "4 At the end of section 12BI"@en ;
    cml:realizedBy doc:sch-1-sec-4 ;
    cml:integrityHash "2590130fc06f79e7903106396f98e296645d6c6242714f9d8cc5b550dda7a374" ;
    skos:note "Have regard to the main subject matter of the contract only to the extent that it describes what is being insured." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.7" ;
    cml:asserts concept:c2023c00239-sch-1-sec-4-norm .
concept:c2023c00239-sch-1-sec-4-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-1-sec-4 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-1-sec-5 a cml:Concept ;
    skos:prefLabel "5 After subsection 12BL(1)"@en ;
    cml:realizedBy doc:sch-1-sec-5 ;
    cml:integrityHash "f54cc850935c25229137d376b96754159270fc7be6199d9a9cc23d6498469b28" ;
    skos:note "Exempts certain medical indemnity contracts from the Subdivision's application." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.7" ;
    cml:asserts concept:c2023c00239-sch-1-sec-5-norm .
concept:c2023c00239-sch-1-sec-5-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-1-sec-5 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-1-sec-5 cml:asserts concept:c2023c00239-sch-1-sec-5-logic-deontic-1 .
concept:c2023c00239-sch-1-sec-5-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "!" ;
    cml:logicSummary "Negates the Subdivision's application for these contracts" ;
    cml:premiseText "None" ;
    cml:conclusionText "None" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-1-sec-6 a cml:Concept ;
    skos:prefLabel "6 At the end of subsections 12GND(1) and (2)"@en ;
    cml:realizedBy doc:sch-1-sec-6 ;
    cml:integrityHash "85297fc3c00e01add8b32818a2e994971a0bd5f1a89554eaa10d6b7b8903e70f" ;
    skos:note "A person who is a third party beneficiary under the contract." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.8" ;
    cml:asserts concept:c2023c00239-sch-1-sec-6-norm .
concept:c2023c00239-sch-1-sec-6-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-1-sec-6 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-1-sec-6 cml:asserts concept:c2023c00239-sch-1-sec-6-logic-deontic-1 .
concept:c2023c00239-sch-1-sec-6-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "hasBeneficiary" ;
    cml:logicSummary "Identifies beneficiaries of a contract." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-1-sec-7 a cml:Concept ;
    skos:prefLabel "7 In the appropriate position"@en ;
    cml:realizedBy doc:sch-1-sec-7 ;
    cml:integrityHash "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4" ;
    skos:note "Insert in an appropriate position" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.8" ;
    cml:asserts concept:c2023c00239-sch-1-sec-7-norm .
concept:c2023c00239-sch-1-sec-7-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-1-sec-7 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-1-sec-325 a cml:Concept ;
    skos:prefLabel "325 Application—unfair contract terms"@en ;
    cml:realizedBy doc:sch-1-sec-325 ;
    cml:hasPart concept:c2023c00239-sch-1-sec-325-ss-1 ;
    cml:hasPart concept:c2023c00239-sch-1-sec-325-ss-2 ;
    cml:hasPart concept:c2023c00239-sch-1-sec-325-ss-3 ;
    cml:hasPart concept:c2023c00239-sch-1-sec-325-ss-4 ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.8" .

concept:c2023c00239-sch-1-sec-325-ss-1 a cml:Concept ;
    skos:prefLabel "325(1) Application—unfair contract terms"@en ;
    cml:realizedBy doc:sch-1-sec-325-ss-1 ;
    cml:integrityHash "a662c2c5e9c1d390e670af39401fa5899c2c0a145412939f26b4e8d01465652c" ;
    values:partOf concept:c2023c00239-sch-1-sec-325 ;
    skos:note "Amendments apply to contracts entered into on or after commencement of Schedule." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.8" ;
    cml:asserts concept:c2023c00239-sch-1-sec-325-ss-1-norm .
concept:c2023c00239-sch-1-sec-325-ss-1-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-1-sec-325-ss-1 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-1-sec-325-ss-1 cml:asserts concept:c2023c00239-sch-1-sec-325-ss-1-logic-deontic-1 .
concept:c2023c00239-sch-1-sec-325-ss-1-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Applicability" ;
    cml:logicSummary "Amendments apply to contracts entered into on or after commencement of Schedule." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-1-sec-325-ss-2 a cml:Concept ;
    skos:prefLabel "325(2) Application—unfair contract terms"@en ;
    cml:realizedBy doc:sch-1-sec-325-ss-2 ;
    cml:integrityHash "472282fd36fda176807f90a1424232cbbdbbcb68897a8fe07792bc966a4ed173" ;
    values:partOf concept:c2023c00239-sch-1-sec-325 ;
    skos:note "Exempts contracts entered into before the commencement of Schedule 1 from the amendments." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.8" ;
    cml:asserts concept:c2023c00239-sch-1-sec-325-ss-2-norm .
concept:c2023c00239-sch-1-sec-325-ss-2-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-1-sec-325-ss-2 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-1-sec-325-ss-3 a cml:Concept ;
    skos:prefLabel "325(3) Application—unfair contract terms"@en ;
    cml:realizedBy doc:sch-1-sec-325-ss-3 ;
    cml:integrityHash "c3544ecb9d344b43fb0f69d6ad3546a49c93e15584fed5c33d6bfe48690c03f4" ;
    values:partOf concept:c2023c00239-sch-1-sec-325 ;
    skos:note "Applicable provision for unfair contract terms" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.8" ;
    cml:asserts concept:c2023c00239-sch-1-sec-325-ss-3-norm .
concept:c2023c00239-sch-1-sec-325-ss-3-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-1-sec-325-ss-3 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-1-sec-325-ss-3 cml:asserts concept:c2023c00239-sch-1-sec-325-ss-3-logic-deontic-1 .
concept:c2023c00239-sch-1-sec-325-ss-3-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "applies" ;
    cml:logicSummary "Provision applies to contracts" ;
    cml:premiseText "(3) If paragraph (2)(b) of this section applies..." ;
    cml:conclusionText "...subsection 12BF(2) and section 12BK of this Act apply." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-1-sec-325-ss-3 cml:asserts concept:c2023c00239-sch-1-sec-325-ss-3-logic-alleninterval-2 .
concept:c2023c00239-sch-1-sec-325-ss-3-logic-alleninterval-2 a cml:LogicApplication ;
    cml:modality cml:AllenInterval ;
    cml:operator "applies" ;
    cml:logicSummary "Temporal relation between provisions" ;
    cml:premiseText "(3) If paragraph (2)(b) of this section applies..." ;
    cml:conclusionText "...subsection 12BF(2) and section 12BK of this Act apply." ;
    cml:executionSurface "modalities::interval_reasoning" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-1-sec-325-ss-3 cml:asserts concept:c2023c00239-sch-1-sec-325-ss-3-logic-ltl-3 .
concept:c2023c00239-sch-1-sec-325-ss-3-logic-ltl-3 a cml:LogicApplication ;
    cml:modality cml:LTL ;
    cml:operator "applies" ;
    cml:logicSummary "Ordered trace for provision application" ;
    cml:premiseText "(3) If paragraph (2)(b) of this section applies..." ;
    cml:conclusionText "...subsection 12BF(2) and section 12BK of this Act apply." ;
    cml:executionSurface "modalities::temporal_ltl" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-1-sec-325-ss-3 cml:asserts concept:c2023c00239-sch-1-sec-325-ss-3-logic-diffusion-4 .
concept:c2023c00239-sch-1-sec-325-ss-3-logic-diffusion-4 a cml:LogicApplication ;
    cml:modality cml:Diffusion ;
    cml:operator "applies" ;
    cml:logicSummary "Provision affects contracts" ;
    cml:premiseText "(3) If paragraph (2)(b) of this section applies..." ;
    cml:conclusionText "...subsection 12BF(2) and section 12BK of this Act apply." ;
    cml:executionSurface "modalities::diffusion" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-1-sec-325-ss-3 cml:asserts concept:c2023c00239-sch-1-sec-325-ss-3-logic-cogai-5 .
concept:c2023c00239-sch-1-sec-325-ss-3-logic-cogai-5 a cml:LogicApplication ;
    cml:modality cml:CogAI ;
    cml:operator "applies" ;
    cml:logicSummary "Artificial agent application" ;
    cml:premiseText "(3) If paragraph (2)(b) of this section applies..." ;
    cml:conclusionText "...subsection 12BF(2) and section 12BK of this Act apply." ;
    cml:executionSurface "sparql_library::parsers::chk_parser" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-1-sec-325-ss-4 a cml:Concept ;
    skos:prefLabel "325(4) Application—unfair contract terms"@en ;
    cml:realizedBy doc:sch-1-sec-325-ss-4 ;
    cml:integrityHash "d24d5214c6164307b4289896cc8b30c5b58faa9466229b2b40e54b8428a20cc0" ;
    values:partOf concept:c2023c00239-sch-1-sec-325 ;
    skos:note "Exempts contracts from amendments if it would result in an unfair acquisition of property." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.8" ;
    cml:asserts concept:c2023c00239-sch-1-sec-325-ss-4-norm .
concept:c2023c00239-sch-1-sec-325-ss-4-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-1-sec-325-ss-4 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-1-sec-325-ss-4 cml:asserts concept:c2023c00239-sch-1-sec-325-ss-4-logic-deontic-1 .
concept:c2023c00239-sch-1-sec-325-ss-4-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibits the application of amendments to certain contracts." ;
    cml:premiseText "The operation of the amendments would result in an acquisition of property from a person otherwise than on just terms." ;
    cml:conclusionText "The exemptions apply." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-1-sec-325-ss-4 cml:asserts concept:c2023c00239-sch-1-sec-325-ss-4-logic-alleninterval-2 .
concept:c2023c00239-sch-1-sec-325-ss-4-logic-alleninterval-2 a cml:LogicApplication ;
    cml:modality cml:AllenInterval ;
    cml:operator "Temporal Exclusion" ;
    cml:logicSummary "Exempts contracts from amendments due to temporal overlap." ;
    cml:premiseText "The operation of the amendments would result in an acquisition of property..." ;
    cml:conclusionText "The exemptions apply during this time period." ;
    cml:executionSurface "modalities::interval_reasoning" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-1-sec-325-ss-4 cml:asserts concept:c2023c00239-sch-1-sec-325-ss-4-logic-ltl-3 .
concept:c2023c00239-sch-1-sec-325-ss-4-logic-ltl-3 a cml:LogicApplication ;
    cml:modality cml:LTL ;
    cml:operator "Temporal Inclusion" ;
    cml:logicSummary "Incorporates temporal logic to define the exemption period." ;
    cml:premiseText "The amendments do not apply to a contract, or a term of a contract..." ;
    cml:conclusionText "The exemptions are valid during this time frame." ;
    cml:executionSurface "modalities::temporal_ltl" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-1-sec-325-ss-4 cml:asserts concept:c2023c00239-sch-1-sec-325-ss-4-logic-cogai-4 .
concept:c2023c00239-sch-1-sec-325-ss-4-logic-cogai-4 a cml:LogicApplication ;
    cml:modality cml:CogAI ;
    cml:operator "Knowledge Representation" ;
    cml:logicSummary "Represents the exemption as a knowledge representation." ;
    cml:premiseText "The amendments do not apply to a contract, or a term of a contract..." ;
    cml:conclusionText "The exemptions are represented by this rule." ;
    cml:executionSurface "sparql_library::parsers::chk_parser" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-1-sec-325-ss-4 cml:asserts concept:c2023c00239-sch-1-sec-325-ss-4-logic-shacl-5 .
concept:c2023c00239-sch-1-sec-325-ss-4-logic-shacl-5 a cml:LogicApplication ;
    cml:modality cml:SHACL ;
    cml:operator "Schema Validation" ;
    cml:logicSummary "Validates the exemption schema." ;
    cml:premiseText "The amendments do not apply to a contract, or a term of a contract..." ;
    cml:conclusionText "The exemptions conform to this schema." ;
    cml:executionSurface "modalities::logic::shacl" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-1-sec-8 a cml:Concept ;
    skos:prefLabel "8 At the end of section 12"@en ;
    cml:realizedBy doc:sch-1-sec-8 ;
    cml:integrityHash "f5639bb7f98aae650fa8be3877160127bf8f0e61d554c66935b86e7c9310bfd1" ;
    skos:note "This Part operates in addition to the unfair contract terms provisions of the Australian Securities and Investments Commission Act 2001." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.9" ;
    cml:asserts concept:c2023c00239-sch-1-sec-8-norm .
concept:c2023c00239-sch-1-sec-8-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-1-sec-8 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-1-sec-9 a cml:Concept ;
    skos:prefLabel "9 Subsection 15(2)"@en ;
    cml:realizedBy doc:sch-1-sec-9 ;
    cml:integrityHash "5efd48c34ec1a9b86149f5ee75a323deab27b56011621a36de6995e372a65c7f" ;
    skos:note "Omit all words after 'but does not' and substitute with specific clauses." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.9" ;
    cml:asserts concept:c2023c00239-sch-1-sec-9-norm .
concept:c2023c00239-sch-1-sec-9-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-1-sec-9 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-1-sec-9 cml:asserts concept:c2023c00239-sch-1-sec-9-logic-deontic-1 .
concept:c2023c00239-sch-1-sec-9-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "prohibition" ;
    cml:logicSummary "Prohibit omission of words" ;
    cml:premiseText "Text" ;
    cml:conclusionText "New text" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-1-sec-10 a cml:Concept ;
    skos:prefLabel "10 Application of amendments of the Insurance Contracts"@en ;
    cml:realizedBy doc:sch-1-sec-10 ;
    cml:integrityHash "d63275131f7e7a7e6535f7bf78dbf91b8ccd98931415247165398de89c9ec575" ;
    skos:note "Amendments of Insurance Contracts Act 1984 apply to Australian Securities and Investments Commission Act 2001" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.10" ;
    cml:asserts concept:c2023c00239-sch-1-sec-10-norm .
concept:c2023c00239-sch-1-sec-10-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-1-sec-10 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-2-sec-1 a cml:Concept ;
    skos:prefLabel "1 At the end of section 12BAA"@en ;
    cml:realizedBy doc:sch-2-sec-1 ;
    cml:integrityHash "7d83f5e6244e9705084c213a8d3c6ea92ca343d1b527ea74a8e810a1defa1767" ;
    skos:note "Funeral expenses facility is not a funeral benefit for the purposes of this Act." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.11" ;
    cml:asserts concept:c2023c00239-sch-2-sec-1-norm .
concept:c2023c00239-sch-2-sec-1-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-2-sec-1 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-2-sec-1 cml:asserts concept:c2023c00239-sch-2-sec-1-logic-deontic-1 .
concept:c2023c00239-sch-2-sec-1-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "not" ;
    cml:logicSummary "Negative statement" ;
    cml:conclusionText "Funeral expenses facility is not a funeral benefit" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-2-sec-2 a cml:Concept ;
    skos:prefLabel "2 Section 761A (at the end of the definition of funeral benefit)"@en ;
    cml:realizedBy doc:sch-2-sec-2 ;
    cml:integrityHash "679f5437cb5cf465e7fcdbbfffac5dc21d18bea9c62a3c2075496e6c380455b8" ;
    skos:note "Note: A funeral expenses facility is not a funeral benefit." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.11" ;
    cml:asserts concept:c2023c00239-sch-2-sec-2-norm .
concept:c2023c00239-sch-2-sec-2-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-2-sec-2 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-2-sec-3 a cml:Concept ;
    skos:prefLabel "3 Section 761A"@en ;
    cml:realizedBy doc:sch-2-sec-3 ;
    cml:integrityHash "e4157811f8ff48883bbf4449ebb89058b53ab2a760e89694c75d2e56daade42b" ;
    skos:note "Definition of funeral expenses facility" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.11" ;
    cml:asserts concept:c2023c00239-sch-2-sec-3-norm .
concept:c2023c00239-sch-2-sec-3-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-2-sec-3 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-2-sec-4 a cml:Concept ;
    skos:prefLabel "4 At the end of Subdivision D of Division 3 of Part 7.1"@en ;
    cml:realizedBy doc:sch-2-sec-4 ;
    cml:integrityHash "f552a1e79bdc74d313b3f0f000e309faa363c9b81f8db6b9d0fb2b41f0dcea48" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.11" ;
    cml:asserts concept:c2023c00239-sch-2-sec-4-norm .
concept:c2023c00239-sch-2-sec-4-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-2-sec-4 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-2-sec-765b a cml:Concept ;
    skos:prefLabel "765B Funeral expenses facilities are not funeral benefits"@en ;
    cml:realizedBy doc:sch-2-sec-765b ;
    cml:integrityHash "3b61036ce9d1f4a3dae0f5aa4c6975c3e66b8a1a076f08e2a0e65554da2b98aa" ;
    skos:note "Funeral expenses facilities are not considered funeral benefits." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.11" ;
    cml:asserts concept:c2023c00239-sch-2-sec-765b-norm .
concept:c2023c00239-sch-2-sec-765b-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-2-sec-765b ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-2-sec-765b cml:asserts concept:c2023c00239-sch-2-sec-765b-logic-deontic-1 .
concept:c2023c00239-sch-2-sec-765b-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Obligate" ;
    cml:logicSummary "Funeral expenses facilities are not considered funeral benefits." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-1-3 a cml:Concept ;
    skos:prefLabel "1 Subsection 5(1)"@en ;
    cml:realizedBy doc:sch-3-sec-1-3 ;
    cml:integrityHash "69bd33fab8c664b423a01697855126898437b3d8fc3bcab8ce35799c290a8e66" ;
    skos:note "References section 15A for definition of associate." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.12" ;
    cml:asserts concept:c2023c00239-sch-3-sec-1-3-norm .
concept:c2023c00239-sch-3-sec-1-3-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-1-3 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-2-3 a cml:Concept ;
    skos:prefLabel "2 Subsection 5(1) (at the end of the definition of commission)"@en ;
    cml:realizedBy doc:sch-3-sec-2-3 ;
    cml:integrityHash "0d1d30b1cc0359078e6e511accf438db0aaa3665607b56f780370f1d64d5e102" ;
    skos:note "Note on conflicted remuneration" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.12" ;
    cml:asserts concept:c2023c00239-sch-3-sec-2-3-norm .
concept:c2023c00239-sch-3-sec-2-3-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-2-3 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-3-3 a cml:Concept ;
    skos:prefLabel "3 Subsection 5(1)"@en ;
    cml:realizedBy doc:sch-3-sec-3-3 ;
    cml:integrityHash "df1305a204aace9a60e520399c974589769754e273a31b876bd98fcb660ee509" ;
    skos:note "References for definitions of conflicted remuneration, mortgage broker, and mortgage intermediary." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.12" ;
    cml:asserts concept:c2023c00239-sch-3-sec-3-3-norm .
concept:c2023c00239-sch-3-sec-3-3-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-3-3 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-4 a cml:Concept ;
    skos:prefLabel "4 After section 15"@en ;
    cml:realizedBy doc:sch-3-sec-4 ;
    cml:integrityHash "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4" ;
    skos:note "Insert clause after section 15" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.12" ;
    cml:asserts concept:c2023c00239-sch-3-sec-4-norm .
concept:c2023c00239-sch-3-sec-4-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-4 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-15a a cml:Concept ;
    skos:prefLabel "15A Meaning of associate"@en ;
    cml:realizedBy doc:sch-3-sec-15a ;
    cml:hasPart concept:c2023c00239-sch-3-sec-15a-ss-1 ;
    cml:hasPart concept:c2023c00239-sch-3-sec-15a-ss-2 ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.12" .

concept:c2023c00239-sch-3-sec-15a-ss-1 a cml:Concept ;
    skos:prefLabel "15A(1) Meaning of associate"@en ;
    cml:realizedBy doc:sch-3-sec-15a-ss-1 ;
    cml:integrityHash "9421b8bfe3f0c58b83d1122df44d3813f49418d7ac6f93cfe9671b7448a8931a" ;
    values:partOf concept:c2023c00239-sch-3-sec-15a ;
    skos:note "Definition of associate for National Credit Code purposes" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.12" ;
    cml:asserts concept:c2023c00239-sch-3-sec-15a-ss-1-norm .
concept:c2023c00239-sch-3-sec-15a-ss-1-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-15a-ss-1 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-15a-ss-1 cml:asserts concept:c2023c00239-sch-3-sec-15a-ss-1-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-15a-ss-1-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Obligate" ;
    cml:logicSummary "Definition of associate for National Credit Code purposes" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-15a-ss-2 a cml:Concept ;
    skos:prefLabel "15A(2) Meaning of associate"@en ;
    cml:realizedBy doc:sch-3-sec-15a-ss-2 ;
    cml:integrityHash "0034e61163c3aed4aef9e791878ddf96e75f903700306c4807f403dd60b1dae4" ;
    values:partOf concept:c2023c00239-sch-3-sec-15a ;
    skos:note "Definition of associate in mortgage brokers regulations." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.12" ;
    cml:asserts concept:c2023c00239-sch-3-sec-15a-ss-2-norm .
concept:c2023c00239-sch-3-sec-15a-ss-2-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-15a-ss-2 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-15a-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-15a-ss-2-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-15a-ss-2-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "is" ;
    cml:logicSummary "Associates are defined by regulations." ;
    cml:premiseText "(2) In any other case, a person is an associate of another person in the circumstances prescribed by the regulations." ;
    cml:conclusionText "a person is an associate of another person" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "0.5000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-15a-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-15a-ss-2-logic-alleninterval-2 .
concept:c2023c00239-sch-3-sec-15a-ss-2-logic-alleninterval-2 a cml:LogicApplication ;
    cml:modality cml:AllenInterval ;
    cml:operator "during" ;
    cml:logicSummary "Associates are defined during specific circumstances." ;
    cml:premiseText "(2) In any other case, a person is an associate of another person in the circumstances prescribed by the regulations." ;
    cml:conclusionText "circumstances prescribed by regulations: associates" ;
    cml:executionSurface "modalities::interval_reasoning" ;
    cml:confidence "0.5000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-15a-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-15a-ss-2-logic-ltl-3 .
concept:c2023c00239-sch-3-sec-15a-ss-2-logic-ltl-3 a cml:LogicApplication ;
    cml:modality cml:LTL ;
    cml:operator "during" ;
    cml:logicSummary "Associates are defined during specific circumstances." ;
    cml:premiseText "(2) In any other case, a person is an associate of another person in the circumstances prescribed by the regulations." ;
    cml:conclusionText "circumstances prescribed by regulations: associates" ;
    cml:executionSurface "modalities::temporal_ltl" ;
    cml:confidence "0.5000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-15a-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-15a-ss-2-logic-diffusion-4 .
concept:c2023c00239-sch-3-sec-15a-ss-2-logic-diffusion-4 a cml:LogicApplication ;
    cml:modality cml:Diffusion ;
    cml:operator "during" ;
    cml:logicSummary "Associates are defined during specific circumstances." ;
    cml:premiseText "(2) In any other case, a person is an associate of another person in the circumstances prescribed by the regulations." ;
    cml:conclusionText "circumstances prescribed by regulations: associates" ;
    cml:executionSurface "modalities::diffusion" ;
    cml:confidence "0.5000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-15a-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-15a-ss-2-logic-cogai-5 .
concept:c2023c00239-sch-3-sec-15a-ss-2-logic-cogai-5 a cml:LogicApplication ;
    cml:modality cml:CogAI ;
    cml:operator "during" ;
    cml:logicSummary "Associates are defined during specific circumstances." ;
    cml:premiseText "(2) In any other case, a person is an associate of another person in the circumstances prescribed by the regulations." ;
    cml:conclusionText "circumstances prescribed by regulations: associates" ;
    cml:executionSurface "sparql_library::parsers::chk_parser" ;
    cml:confidence "0.5000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-15b a cml:Concept ;
    skos:prefLabel "15B Meaning of mortgage broker"@en ;
    cml:realizedBy doc:sch-3-sec-15b ;
    cml:hasPart concept:c2023c00239-sch-3-sec-15b-ss-1 ;
    cml:hasPart concept:c2023c00239-sch-3-sec-15b-ss-2 ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.13" .

concept:c2023c00239-sch-3-sec-15b-ss-1 a cml:Concept ;
    skos:prefLabel "15B(1) Meaning of mortgage broker"@en ;
    cml:realizedBy doc:sch-3-sec-15b-ss-1 ;
    cml:integrityHash "3dee54c84bd6fadfe20e1713ae9bdf652c9ef1b4a177fa2f1909a75ecb27b3c7" ;
    values:partOf concept:c2023c00239-sch-3-sec-15b ;
    skos:note "A licensee is a mortgage broker if they carry on a business of providing credit assistance in relation to credit contracts secured by mortgages over residential property." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.13" ;
    cml:asserts concept:c2023c00239-sch-3-sec-15b-ss-1-norm .
concept:c2023c00239-sch-3-sec-15b-ss-1-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-15b-ss-1 ;
    values:borneBy values:LegalPerson ;
    skos:scopeNote "borne by: LegalPerson" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-15b-ss-1 cml:asserts concept:c2023c00239-sch-3-sec-15b-ss-1-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-15b-ss-1-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "is" ;
    cml:logicSummary "Definition of a mortgage broker" ;
    cml:premiseText "(1) A licensee is a mortgage broker if:  (a) the licensee carries on a business of providing credit assistance in relation to credit contracts secured by mortgages over residential property; and  (b) the licensee does not perform the obligations, or exercise the rights, of a credit provider in relation to the majority of those credit contracts; and  (c) in carrying on the business, the licensee provides credit assistance in relation to credit contracts offered by more than one credit provider." ;
    cml:conclusionText "(1) A licensee is a mortgage broker if:  (a) the licensee carries on a business of providing credit assistance in relation to credit contracts secured by mortgages over residential property; and  (b) the licensee does not perform the obligations, or exercise the rights, of a credit provider in relation to the majority of those credit contracts; and  (c) in carrying on the business, the licensee provides credit assistance in relation to credit contracts offered by more than one credit provider." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-15b-ss-2 a cml:Concept ;
    skos:prefLabel "15B(2) Meaning of mortgage broker"@en ;
    cml:realizedBy doc:sch-3-sec-15b-ss-2 ;
    cml:integrityHash "17f0f63092d55a0a453b354aa6a43cc57d1c9ef41b7a32fc1b52b79ad412e82a" ;
    values:partOf concept:c2023c00239-sch-3-sec-15b ;
    skos:note "A credit representative is a mortgage broker if they meet specific conditions." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.13" ;
    cml:asserts concept:c2023c00239-sch-3-sec-15b-ss-2-norm .
concept:c2023c00239-sch-3-sec-15b-ss-2-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-15b-ss-2 ;
    values:borneBy values:LegalPerson ;
    skos:scopeNote "borne by: LegalPerson" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-15b-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-15b-ss-2-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-15b-ss-2-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "is" ;
    cml:logicSummary "Definition of a mortgage broker" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-15c a cml:Concept ;
    skos:prefLabel "15C Meaning of mortgage intermediary"@en ;
    cml:realizedBy doc:sch-3-sec-15c ;
    cml:hasPart concept:c2023c00239-sch-3-sec-15c-ss-1 ;
    cml:hasPart concept:c2023c00239-sch-3-sec-15c-ss-2 ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.13" .

concept:c2023c00239-sch-3-sec-15c-ss-1 a cml:Concept ;
    skos:prefLabel "15C(1) Meaning of mortgage intermediary"@en ;
    cml:realizedBy doc:sch-3-sec-15c-ss-1 ;
    cml:integrityHash "54a370c681974434c7cf96a0e24b1eae18e089a2818ee0386b5106accde7fca6" ;
    values:partOf concept:c2023c00239-sch-3-sec-15c ;
    skos:note "Licensee must act as an intermediary in relation to credit contracts." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.13" ;
    cml:asserts concept:c2023c00239-sch-3-sec-15c-ss-1-norm .
concept:c2023c00239-sch-3-sec-15c-ss-1-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-15c-ss-1 ;
    values:borneBy values:LegalPerson ;
    skos:scopeNote "borne by: LegalPerson" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-15c-ss-1 cml:asserts concept:c2023c00239-sch-3-sec-15c-ss-1-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-15c-ss-1-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "MUST" ;
    cml:logicSummary "Obligation" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-15c-ss-2 a cml:Concept ;
    skos:prefLabel "15C(2) Meaning of mortgage intermediary"@en ;
    cml:realizedBy doc:sch-3-sec-15c-ss-2 ;
    cml:integrityHash "9eeafe9c1682b63aa581153441f7a05f5db164f2ed5ef54b8903096f6d0b5c4a" ;
    values:partOf concept:c2023c00239-sch-3-sec-15c ;
    skos:note "Definition of credit representative as mortgage intermediary" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.13" ;
    cml:asserts concept:c2023c00239-sch-3-sec-15c-ss-2-norm .
concept:c2023c00239-sch-3-sec-15c-ss-2-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-15c-ss-2 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-5-3 a cml:Concept ;
    skos:prefLabel "5 After Part 3-5"@en ;
    cml:realizedBy doc:sch-3-sec-5-3 ;
    cml:integrityHash "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.14" ;
    cml:asserts concept:c2023c00239-sch-3-sec-5-3-norm .
concept:c2023c00239-sch-3-sec-5-3-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-5-3 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158k a cml:Concept ;
    skos:prefLabel "158K Guide to this Part"@en ;
    cml:realizedBy doc:sch-3-sec-158k ;
    cml:integrityHash "a118d393e88c448c51e0233d89beaceb8d7617c14baf096076a8f82c9058e4aa" ;
    skos:note "Mortgage brokers must act in the best interests of consumers." ;
    dc:description "Credit assistance in relation to credit contracts." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.14" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158k-norm .
concept:c2023c00239-sch-3-sec-158k-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158k ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158k cml:asserts concept:c2023c00239-sch-3-sec-158k-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158k-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "MUST" ;
    cml:logicSummary "Must act in the best interests of consumers." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158ka a cml:Concept ;
    skos:prefLabel "158KA Doing acts"@en ;
    cml:realizedBy doc:sch-3-sec-158ka ;
    cml:integrityHash "3497f63c4dc145f8da0dba1499751f504f088c2817eb04191b7d98f6e137a770" ;
    skos:note "A reference in this Part to doing an act or thing includes a reference to causing or authorising the act or thing to be done." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.15" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158ka-norm .
concept:c2023c00239-sch-3-sec-158ka-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158ka ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158kb a cml:Concept ;
    skos:prefLabel "158KB Circumstances in which a secondary representative is taken"@en ;
    cml:realizedBy doc:sch-3-sec-158kb ;
    cml:integrityHash "b0113d71177ace8736fd1e33b7d9b81f81f39419e255b5b487d9406357b94512" ;
    cml:hasPart concept:c2023c00239-sch-3-sec-158kb-ss-1 ;
    cml:hasPart concept:c2023c00239-sch-3-sec-158kb-ss-2 ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.15" .

concept:c2023c00239-sch-3-sec-158kb-ss-1 a cml:Concept ;
    skos:prefLabel "158KB(1) Circumstances in which a secondary representative is taken"@en ;
    cml:realizedBy doc:sch-3-sec-158kb-ss-1 ;
    cml:integrityHash "fcf102036973e467387f81bd248a31a2779aea27a0303fa9cf8ef99dd6f1e4d1" ;
    values:partOf concept:c2023c00239-sch-3-sec-158kb ;
    skos:note "A secondary representative is authorized as a credit representative of a licensee by a primary representative." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.15" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158kb-ss-1-norm .
concept:c2023c00239-sch-3-sec-158kb-ss-1-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158kb-ss-1 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158kb-ss-1 cml:asserts concept:c2023c00239-sch-3-sec-158kb-ss-1-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158kb-ss-1-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "has" ;
    cml:logicSummary "Authorization is granted" ;
    cml:premiseText "Primary representative authorizes secondary representative" ;
    cml:conclusionText "Secondary representative is authorized" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158kb-ss-2 a cml:Concept ;
    skos:prefLabel "158KB(2) Circumstances in which a secondary representative is taken"@en ;
    cml:realizedBy doc:sch-3-sec-158kb-ss-2 ;
    cml:integrityHash "492bb1196d544fc94328cf0ecc9a2cbd52d5bc04a3cd740f3aa80b6a00bd40a4" ;
    values:partOf concept:c2023c00239-sch-3-sec-158kb ;
    skos:note "Secondary representative acting within scope of authority" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.15" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158kb-ss-2-norm .
concept:c2023c00239-sch-3-sec-158kb-ss-2-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158kb-ss-2 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158kb-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-158kb-ss-2-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158kb-ss-2-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "within" ;
    cml:logicSummary "Scope of authority" ;
    cml:premiseText "Actual or apparent authority" ;
    cml:conclusionText "Obligation" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158kc a cml:Concept ;
    skos:prefLabel "158KC Obligations under this Part in addition to other obligations"@en ;
    cml:realizedBy doc:sch-3-sec-158kc ;
    cml:integrityHash "1672584ee920b2ed70ed1f42c6e312a10b160546e5249f758cf8104111992dfd" ;
    skos:note "Obligations under this Part in addition to other obligations" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.15" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158kc-norm .
concept:c2023c00239-sch-3-sec-158kc-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158kc ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158l a cml:Concept ;
    skos:prefLabel "158L Application of this Subdivision"@en ;
    cml:realizedBy doc:sch-3-sec-158l ;
    cml:hasPart concept:c2023c00239-sch-3-sec-158l-ss-1 ;
    cml:hasPart concept:c2023c00239-sch-3-sec-158l-ss-2 ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.16" .

concept:c2023c00239-sch-3-sec-158l-ss-1 a cml:Concept ;
    skos:prefLabel "158L(1) Application of this Subdivision"@en ;
    cml:realizedBy doc:sch-3-sec-158l-ss-1 ;
    cml:integrityHash "570ede50c53deee109c1fb8dbeabc28f19b9a5e7ca80bca717d02b550251fdaa" ;
    values:partOf concept:c2023c00239-sch-3-sec-158l ;
    skos:note "This Subdivision applies in relation to credit assistance provided by a licensee to a consumer in relation to a credit contract if the licensee is a mortgage broker." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.16" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158l-ss-1-norm .
concept:c2023c00239-sch-3-sec-158l-ss-1-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158l-ss-1 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158l-ss-1 cml:asserts concept:c2023c00239-sch-3-sec-158l-ss-1-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158l-ss-1-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "applies" ;
    cml:logicSummary "The provision applies to credit assistance provided by a licensee." ;
    cml:premiseText "(1) This Subdivision applies in relation to credit assistance provided by a licensee to a consumer in relation to a credit contract if the licensee is a mortgage broker." ;
    cml:conclusionText "This Subdivision applies." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "0.5000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158l-ss-1 cml:asserts concept:c2023c00239-sch-3-sec-158l-ss-1-logic-alleninterval-2 .
concept:c2023c00239-sch-3-sec-158l-ss-1-logic-alleninterval-2 a cml:LogicApplication ;
    cml:modality cml:AllenInterval ;
    cml:operator "applies" ;
    cml:logicSummary "The provision specifies the temporal scope of application for this Subdivision." ;
    cml:premiseText "(1) This Subdivision applies in relation to credit assistance provided by a licensee to a consumer in relation to a credit contract if the licensee is a mortgage broker." ;
    cml:conclusionText "This Subdivision applies in relation to credit assistance provided by a licensee to a consumer in relation to a credit contract if the licensee is a mortgage broker." ;
    cml:executionSurface "modalities::interval_reasoning" ;
    cml:confidence "0.5000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158l-ss-1 cml:asserts concept:c2023c00239-sch-3-sec-158l-ss-1-logic-ltl-3 .
concept:c2023c00239-sch-3-sec-158l-ss-1-logic-ltl-3 a cml:LogicApplication ;
    cml:modality cml:LTL ;
    cml:operator "applies" ;
    cml:logicSummary "The provision specifies the temporal scope of application for this Subdivision." ;
    cml:premiseText "(1) This Subdivision applies in relation to credit assistance provided by a licensee to a consumer in relation to a credit contract if the licensee is a mortgage broker." ;
    cml:conclusionText "This Subdivision applies in relation to credit assistance provided by a licensee to a consumer in relation to a credit contract if the licensee is a mortgage broker." ;
    cml:executionSurface "modalities::temporal_ltl" ;
    cml:confidence "0.5000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158l-ss-2 a cml:Concept ;
    skos:prefLabel "158L(2) Application of this Subdivision"@en ;
    cml:realizedBy doc:sch-3-sec-158l-ss-2 ;
    cml:integrityHash "fd88b1a8452a7f831ddbb64b79588c91bb16766866a5c554b87689a043194c26" ;
    values:partOf concept:c2023c00239-sch-3-sec-158l ;
    skos:note "Exemption from application of this subdivision for credit assistance provided by a credit representative acting within their actual or apparent authority." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.16" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158l-ss-2-norm .
concept:c2023c00239-sch-3-sec-158l-ss-2-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158l-ss-2 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158l-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-158l-ss-2-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158l-ss-2-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibition of application" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158l-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-158l-ss-2-logic-alleninterval-2 .
concept:c2023c00239-sch-3-sec-158l-ss-2-logic-alleninterval-2 a cml:LogicApplication ;
    cml:modality cml:AllenInterval ;
    cml:operator "Temporal Exemption" ;
    cml:logicSummary "Exemption for temporal period" ;
    cml:premiseText "(2) However, this Subdivision does not apply in relation to credit assistance provided by a credit representative acting within the scope of the credit representative’s actual or apparent authority from the licensee." ;
    cml:executionSurface "modalities::interval_reasoning" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158l-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-158l-ss-2-logic-ltl-3 .
concept:c2023c00239-sch-3-sec-158l-ss-2-logic-ltl-3 a cml:LogicApplication ;
    cml:modality cml:LTL ;
    cml:operator "Temporal Exemption" ;
    cml:logicSummary "Exemption for temporal period" ;
    cml:premiseText "(2) However, this Subdivision does not apply in relation to credit assistance provided by a credit representative acting within the scope of the credit representative’s actual or apparent authority from the licensee." ;
    cml:executionSurface "modalities::temporal_ltl" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158l-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-158l-ss-2-logic-cogai-4 .
concept:c2023c00239-sch-3-sec-158l-ss-2-logic-cogai-4 a cml:LogicApplication ;
    cml:modality cml:CogAI ;
    cml:operator "Entity Classification" ;
    cml:logicSummary "Classification of entities involved" ;
    cml:premiseText "(2) However, this Subdivision does not apply in relation to credit assistance provided by a credit representative acting within the scope of the credit representative’s actual or apparent authority from the licensee." ;
    cml:executionSurface "sparql_library::parsers::chk_parser" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158l-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-158l-ss-2-logic-shacl-5 .
concept:c2023c00239-sch-3-sec-158l-ss-2-logic-shacl-5 a cml:LogicApplication ;
    cml:modality cml:SHACL ;
    cml:operator "Entity Validation" ;
    cml:logicSummary "Validation of entity relationships" ;
    cml:premiseText "(2) However, this Subdivision does not apply in relation to credit assistance provided by a credit representative acting within the scope of the credit representative’s actual or apparent authority from the licensee." ;
    cml:executionSurface "modalities::logic::shacl" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158la a cml:Concept ;
    skos:prefLabel "158LA Licensee must act in the best interests of the consumer"@en ;
    cml:realizedBy doc:sch-3-sec-158la ;
    cml:integrityHash "8bbcd4c9912232b6e434864f96175426f8471f150eef760ac3833f8a784f83cc" ;
    skos:note "Must act in best interests of consumer" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.16" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158la-norm .
concept:c2023c00239-sch-3-sec-158la-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158la ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158la cml:asserts concept:c2023c00239-sch-3-sec-158la-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158la-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "MUST" ;
    cml:logicSummary "Obligation to act in best interests" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158lb a cml:Concept ;
    skos:prefLabel "158LB Conflict between consumer’s interests and those of the"@en ;
    cml:realizedBy doc:sch-3-sec-158lb ;
    cml:integrityHash "ed0e67111aa799d03199905779ca5dc26f39f8d86bd5385d387bda3b94cd6db1" ;
    skos:note "Licensee must give priority to consumer's interests when providing credit assistance." ;
    dc:description "Yes" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.16" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158lb-norm .
concept:c2023c00239-sch-3-sec-158lb-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158lb ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158lb cml:asserts concept:c2023c00239-sch-3-sec-158lb-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158lb-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "MUST" ;
    cml:logicSummary "Obligation to prioritize consumer's interests" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158ld a cml:Concept ;
    skos:prefLabel "158LD Application of this Subdivision"@en ;
    cml:realizedBy doc:sch-3-sec-158ld ;
    cml:integrityHash "dcf7d8fd486f681c58de59e95dea9f73b91610dd1d47233c3fdbef34c94343fa" ;
    skos:note "This Subdivision applies in relation to credit assistance provided to a consumer in relation to a credit contract by a credit representative acting within the scope of the credit representative’s actual or apparent authority from a licensee, if either the credit representative or the licensee is a mortgage broker." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.17" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158ld-norm .
concept:c2023c00239-sch-3-sec-158ld-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158ld ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158ld cml:asserts concept:c2023c00239-sch-3-sec-158ld-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158ld-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "applies" ;
    cml:logicSummary "The provision applies to credit assistance provided by a credit representative." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158le a cml:Concept ;
    skos:prefLabel "158LE Credit representative must act in the best interests of the"@en ;
    cml:realizedBy doc:sch-3-sec-158le ;
    cml:integrityHash "6bfbd709d5fdc0618ab5ea71913d552464b1fad43b2fc34cf25e96f3d2a904dc" ;
    cml:hasPart concept:c2023c00239-sch-3-sec-158le-ss-1 ;
    cml:hasPart concept:c2023c00239-sch-3-sec-158le-ss-2 ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.17" .

concept:c2023c00239-sch-3-sec-158le-ss-1 a cml:Concept ;
    skos:prefLabel "158LE(1) Credit representative must act in the best interests of the"@en ;
    cml:realizedBy doc:sch-3-sec-158le-ss-1 ;
    cml:integrityHash "2322e4979402eb2f8ae97f71edb4b9e8fcf28e0f47c729b6152ee2f17b036ab0" ;
    values:partOf concept:c2023c00239-sch-3-sec-158le ;
    skos:note "Credit representative must act in the best interests of consumers." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.17" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158le-ss-1-norm .
concept:c2023c00239-sch-3-sec-158le-ss-1-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158le-ss-1 ;
    values:borneBy values:Agent ;
    skos:scopeNote "borne by: Agent" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158le-ss-1 cml:asserts concept:c2023c00239-sch-3-sec-158le-ss-1-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158le-ss-1-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "MUST" ;
    cml:logicSummary "Obligation to act in the best interests." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158le-ss-2 a cml:Concept ;
    skos:prefLabel "158LE(2) Credit representative must act in the best interests of the"@en ;
    cml:realizedBy doc:sch-3-sec-158le-ss-2 ;
    cml:integrityHash "c639df1671d4cc9e83f2b75806a0abf3311d0f8341d91177908b68d009ef3f3a" ;
    values:partOf concept:c2023c00239-sch-3-sec-158le ;
    skos:note "Credit representative must comply with subsection (1)" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.17" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158le-ss-2-norm .
concept:c2023c00239-sch-3-sec-158le-ss-2-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158le-ss-2 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158le-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-158le-ss-2-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158le-ss-2-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Must" ;
    cml:logicSummary "Mandatory duty" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158lf a cml:Concept ;
    skos:prefLabel "158LF Conflict between consumer’s interests and those of the credit"@en ;
    cml:realizedBy doc:sch-3-sec-158lf ;
    cml:integrityHash "a8a1095899e494d8ffdfe33587277c16769a76e7c8b80f3e8a4bbb1ba37c34af" ;
    skos:note "Credit representative must know of conflicts between consumer's interests and those of the credit representative, licensee, or their associates." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.17" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158lf-norm .
concept:c2023c00239-sch-3-sec-158lf-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158lf ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158lf cml:asserts concept:c2023c00239-sch-3-sec-158lf-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158lf-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Knows" ;
    cml:logicSummary "Knowledge obligation" ;
    cml:premiseText "The credit representative knows or reasonably ought to know..." ;
    cml:conclusionText "...there is a conflict between the interests of..." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158lf cml:asserts concept:c2023c00239-sch-3-sec-158lf-logic-alleninterval-2 .
concept:c2023c00239-sch-3-sec-158lf-logic-alleninterval-2 a cml:LogicApplication ;
    cml:modality cml:AllenInterval ;
    cml:operator "Overlaps" ;
    cml:logicSummary "Temporal overlap of knowledge and conflict" ;
    cml:premiseText "If the credit representative knows, or reasonably ought to know..." ;
    cml:conclusionText "...that there is a conflict between the interests of..." ;
    cml:executionSurface "modalities::interval_reasoning" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158lf cml:asserts concept:c2023c00239-sch-3-sec-158lf-logic-ltl-3 .
concept:c2023c00239-sch-3-sec-158lf-logic-ltl-3 a cml:LogicApplication ;
    cml:modality cml:LTL ;
    cml:operator "Recurring" ;
    cml:logicSummary "Recurring trace of knowledge and conflict" ;
    cml:premiseText "If the credit representative knows, or reasonably ought to know..." ;
    cml:conclusionText "...that there is a conflict between the interests of..." ;
    cml:executionSurface "modalities::temporal_ltl" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158lf cml:asserts concept:c2023c00239-sch-3-sec-158lf-logic-diffusion-4 .
concept:c2023c00239-sch-3-sec-158lf-logic-diffusion-4 a cml:LogicApplication ;
    cml:modality cml:Diffusion ;
    cml:operator "Diffuses" ;
    cml:logicSummary "Diffusion of knowledge and conflict" ;
    cml:premiseText "If the credit representative knows, or reasonably ought to know..." ;
    cml:conclusionText "...that there is a conflict between the interests of..." ;
    cml:executionSurface "modalities::diffusion" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158lf cml:asserts concept:c2023c00239-sch-3-sec-158lf-logic-cogai-5 .
concept:c2023c00239-sch-3-sec-158lf-logic-cogai-5 a cml:LogicApplication ;
    cml:modality cml:CogAI ;
    cml:operator "Recognizes" ;
    cml:logicSummary "Recognition of conflicts by AI" ;
    cml:premiseText "If the credit representative knows, or reasonably ought to know..." ;
    cml:conclusionText "...that there is a conflict between the interests of..." ;
    cml:executionSurface "sparql_library::parsers::chk_parser" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158n a cml:Concept ;
    skos:prefLabel "158N Conflicted remuneration"@en ;
    cml:realizedBy doc:sch-3-sec-158n ;
    cml:integrityHash "6a20029795e75033aa891789f8f24f0564094c02fc56bf336f02d2a6e31b64c4" ;
    skos:note "Definition of conflicted remuneration" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.18" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158n-norm .
concept:c2023c00239-sch-3-sec-158n-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158n ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158n cml:asserts concept:c2023c00239-sch-3-sec-158n-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158n-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "definition" ;
    cml:logicSummary "Defines a term with obligations" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158n cml:asserts concept:c2023c00239-sch-3-sec-158n-logic-descriptionlogic-2 .
concept:c2023c00239-sch-3-sec-158n-logic-descriptionlogic-2 a cml:LogicApplication ;
    cml:modality cml:DescriptionLogic ;
    cml:operator "class hierarchy" ;
    cml:logicSummary "Applies to explicit class hierarchies" ;
    cml:executionSurface "modalities::dl" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158na a cml:Concept ;
    skos:prefLabel "158NA Regulations may further define conflicted remuneration"@en ;
    cml:realizedBy doc:sch-3-sec-158na ;
    cml:integrityHash "9f3a833e21a393076592406cb65352e515c0ec2aa01a70d2de6dada3ffbce2f7" ;
    skos:note "Ban on accepting conflicted remuneration" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.18" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158na-norm .
concept:c2023c00239-sch-3-sec-158na-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158na ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158na cml:asserts concept:c2023c00239-sch-3-sec-158na-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158na-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibits accepting conflicted remuneration" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158nb a cml:Concept ;
    skos:prefLabel "158NB Licensee must not accept conflicted remuneration"@en ;
    cml:realizedBy doc:sch-3-sec-158nb ;
    cml:integrityHash "56eb39223011690325b4ac374333b4fc377aa1828aa9007fedb31daea04e8708" ;
    skos:note "Licensee must not accept conflicted remuneration" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.19" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158nb-norm .
concept:c2023c00239-sch-3-sec-158nb-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158nb ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158nb cml:asserts concept:c2023c00239-sch-3-sec-158nb-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158nb-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Must Not" ;
    cml:logicSummary "Prohibition of accepting conflicted remuneration" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158nc a cml:Concept ;
    skos:prefLabel "158NC Credit representative must not accept conflicted"@en ;
    cml:realizedBy doc:sch-3-sec-158nc ;
    cml:integrityHash "b38a48f69e29367668ca31d90f93a182882dccccc87f856868ce600362dad298" ;
    cml:hasPart concept:c2023c00239-sch-3-sec-158nc-ss-1 ;
    cml:hasPart concept:c2023c00239-sch-3-sec-158nc-ss-2 ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.19" .

concept:c2023c00239-sch-3-sec-158nc-ss-1 a cml:Concept ;
    skos:prefLabel "158NC(1) Credit representative must not accept conflicted"@en ;
    cml:realizedBy doc:sch-3-sec-158nc-ss-1 ;
    cml:integrityHash "f3a66d3501ff4eb892256f3873b68de9c79187bda21a71819c5bf92d61cc501a" ;
    values:partOf concept:c2023c00239-sch-3-sec-158nc ;
    skos:note "Credit representative must not accept conflicted remuneration." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.19" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158nc-ss-1-norm .
concept:c2023c00239-sch-3-sec-158nc-ss-1-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158nc-ss-1 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158nc-ss-1 cml:asserts concept:c2023c00239-sch-3-sec-158nc-ss-1-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158nc-ss-1-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibition of conflicted remuneration" ;
    cml:premiseText "(1) A credit representative of a licensee must not accept conflicted remuneration in circumstances prescribed by the regulations if the credit representative or the licensee is:" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158nc-ss-2 a cml:Concept ;
    skos:prefLabel "158NC(2) Credit representative must not accept conflicted"@en ;
    cml:realizedBy doc:sch-3-sec-158nc-ss-2 ;
    cml:integrityHash "d2c3f26129aca542f208b8525c53f40334d5b21aed4608256866bafc6c6fad6e" ;
    values:partOf concept:c2023c00239-sch-3-sec-158nc ;
    skos:note "Credit representative must comply with subsection (1)" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.19" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158nc-ss-2-norm .
concept:c2023c00239-sch-3-sec-158nc-ss-2-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158nc-ss-2 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158nc-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-158nc-ss-2-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158nc-ss-2-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "MUST" ;
    cml:logicSummary "Must comply" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158nd a cml:Concept ;
    skos:prefLabel "158ND Employer must not give employees conflicted remuneration"@en ;
    cml:realizedBy doc:sch-3-sec-158nd ;
    cml:hasPart concept:c2023c00239-sch-3-sec-158nd-ss-1 ;
    cml:hasPart concept:c2023c00239-sch-3-sec-158nd-ss-2 ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.20" .

concept:c2023c00239-sch-3-sec-158nd-ss-1 a cml:Concept ;
    skos:prefLabel "158ND(1) Employer must not give employees conflicted remuneration"@en ;
    cml:realizedBy doc:sch-3-sec-158nd-ss-1 ;
    cml:integrityHash "760f9e404769e4cbca4688c738d7f53bbbed408bde1848838e45b3aa33bffaf5" ;
    values:partOf concept:c2023c00239-sch-3-sec-158nd ;
    skos:note "Employer must not give employees conflicted remuneration" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.20" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158nd-ss-1-norm .
concept:c2023c00239-sch-3-sec-158nd-ss-1-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158nd-ss-1 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158nd-ss-1 cml:asserts concept:c2023c00239-sch-3-sec-158nd-ss-1-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158nd-ss-1-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibition of conflicted remuneration" ;
    cml:premiseText "Employer must not give employees conflicted remuneration" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158nd-ss-2 a cml:Concept ;
    skos:prefLabel "158ND(2) Employer must not give employees conflicted remuneration"@en ;
    cml:realizedBy doc:sch-3-sec-158nd-ss-2 ;
    cml:integrityHash "f49b6d2fdb1d3cb620d0b46948cf5cfecfdb2bc4733a605ef875b06b632022a1" ;
    values:partOf concept:c2023c00239-sch-3-sec-158nd ;
    skos:note "Employer must not give employees conflicted remuneration" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.20" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158nd-ss-2-norm .
concept:c2023c00239-sch-3-sec-158nd-ss-2-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158nd-ss-2 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158nd-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-158nd-ss-2-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158nd-ss-2-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibition of conflicted remuneration" ;
    cml:premiseText "Employer must not give employees conflicted remuneration" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158ne a cml:Concept ;
    skos:prefLabel "158NE Credit provider must not give conflicted remuneration"@en ;
    cml:realizedBy doc:sch-3-sec-158ne ;
    cml:hasPart concept:c2023c00239-sch-3-sec-158ne-ss-1 ;
    cml:hasPart concept:c2023c00239-sch-3-sec-158ne-ss-2 ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.20" .

concept:c2023c00239-sch-3-sec-158ne-ss-1 a cml:Concept ;
    skos:prefLabel "158NE(1) Credit provider must not give conflicted remuneration"@en ;
    cml:realizedBy doc:sch-3-sec-158ne-ss-1 ;
    cml:integrityHash "0f2bb2ab981b0559630c0c56c71c3a73337a16b374ebfe14e741e6430b0a3dec" ;
    values:partOf concept:c2023c00239-sch-3-sec-158ne ;
    skos:note "Credit provider must not give conflicted remuneration to licensees in certain circumstances." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.20" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158ne-ss-1-norm .
concept:c2023c00239-sch-3-sec-158ne-ss-1-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158ne-ss-1 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158ne-ss-1 cml:asserts concept:c2023c00239-sch-3-sec-158ne-ss-1-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158ne-ss-1-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibition of conflicted remuneration" ;
    cml:premiseText "Credit provider must not give conflicted remuneration" ;
    cml:conclusionText "Licensee must not receive conflicted remuneration" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158ne-ss-2 a cml:Concept ;
    skos:prefLabel "158NE(2) Credit provider must not give conflicted remuneration"@en ;
    cml:realizedBy doc:sch-3-sec-158ne-ss-2 ;
    cml:integrityHash "d1418d271d4916b372f722d4d1f8ecf472e09c16fa7a91af5d9f497e20e57239" ;
    values:partOf concept:c2023c00239-sch-3-sec-158ne ;
    skos:note "Credit provider must not give conflicted remuneration to mortgage brokers and intermediaries." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.20" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158ne-ss-2-norm .
concept:c2023c00239-sch-3-sec-158ne-ss-2-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158ne-ss-2 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158ne-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-158ne-ss-2-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158ne-ss-2-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibition of conflicted remuneration" ;
    cml:premiseText "Regulations prescribe circumstances for giving conflicted remuneration." ;
    cml:conclusionText "Credit provider must not give conflicted remuneration." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158ne-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-158ne-ss-2-logic-alleninterval-2 .
concept:c2023c00239-sch-3-sec-158ne-ss-2-logic-alleninterval-2 a cml:LogicApplication ;
    cml:modality cml:AllenInterval ;
    cml:operator "Temporal Interval" ;
    cml:logicSummary "Temporal interval for conflicted remuneration" ;
    cml:premiseText "Regulations prescribe circumstances for giving conflicted remuneration." ;
    cml:conclusionText "Conflicted remuneration is prohibited within specified circumstances." ;
    cml:executionSurface "modalities::interval_reasoning" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158ne-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-158ne-ss-2-logic-ltl-3 .
concept:c2023c00239-sch-3-sec-158ne-ss-2-logic-ltl-3 a cml:LogicApplication ;
    cml:modality cml:LTL ;
    cml:operator "Recurring Trace" ;
    cml:logicSummary "Recurring trace of regulation" ;
    cml:premiseText "Regulations prescribe circumstances for giving conflicted remuneration." ;
    cml:conclusionText "Regulation applies to recurring traces of conflicted remuneration." ;
    cml:executionSurface "modalities::temporal_ltl" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158ne-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-158ne-ss-2-logic-diffusion-4 .
concept:c2023c00239-sch-3-sec-158ne-ss-2-logic-diffusion-4 a cml:LogicApplication ;
    cml:modality cml:Diffusion ;
    cml:operator "Diffuse" ;
    cml:logicSummary "Diffusion of regulation" ;
    cml:premiseText "Regulations prescribe circumstances for giving conflicted remuneration." ;
    cml:conclusionText "Regulation diffuses to all relevant parties." ;
    cml:executionSurface "modalities::diffusion" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158nf a cml:Concept ;
    skos:prefLabel "158NF Mortgage intermediary must not give conflicted"@en ;
    cml:realizedBy doc:sch-3-sec-158nf ;
    cml:integrityHash "b38a48f69e29367668ca31d90f93a182882dccccc87f856868ce600362dad298" ;
    cml:hasPart concept:c2023c00239-sch-3-sec-158nf-ss-1 ;
    cml:hasPart concept:c2023c00239-sch-3-sec-158nf-ss-2 ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.21" .

concept:c2023c00239-sch-3-sec-158nf-ss-1 a cml:Concept ;
    skos:prefLabel "158NF(1) Mortgage intermediary must not give conflicted"@en ;
    cml:realizedBy doc:sch-3-sec-158nf-ss-1 ;
    cml:integrityHash "10cf894d2905cdd4616d175362f7045a4b9af95c899ebb4352a430bd61a818db" ;
    values:partOf concept:c2023c00239-sch-3-sec-158nf ;
    skos:note "Must not give conflicted remuneration to licensees" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.21" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158nf-ss-1-norm .
concept:c2023c00239-sch-3-sec-158nf-ss-1-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158nf-ss-1 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158nf-ss-1 cml:asserts concept:c2023c00239-sch-3-sec-158nf-ss-1-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158nf-ss-1-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibition of conflicted remuneration" ;
    cml:premiseText "Licensee is a mortgage broker or intermediary" ;
    cml:conclusionText "Mortgage intermediary must not give conflicted remuneration" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158nf-ss-2 a cml:Concept ;
    skos:prefLabel "158NF(2) Mortgage intermediary must not give conflicted"@en ;
    cml:realizedBy doc:sch-3-sec-158nf-ss-2 ;
    cml:integrityHash "f649a97a736dd94669d605de8c817a5bef4d8324a0411f5172b44423b1a6c01a" ;
    values:partOf concept:c2023c00239-sch-3-sec-158nf ;
    skos:note "Mortgage intermediary must not give conflicted remuneration to licensees or their representatives." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.21" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158nf-ss-2-norm .
concept:c2023c00239-sch-3-sec-158nf-ss-2-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158nf-ss-2 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158nf-ss-2 cml:asserts concept:c2023c00239-sch-3-sec-158nf-ss-2-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158nf-ss-2-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibition of conflicted remuneration" ;
    cml:premiseText "Mortgage intermediary must not give..." ;
    cml:conclusionText "...civil penalty." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-158t a cml:Concept ;
    skos:prefLabel "158T Anti-avoidance"@en ;
    cml:realizedBy doc:sch-3-sec-158t ;
    cml:integrityHash "63dec463e0080c15a5b4c9eb0dcfdf4cc617f9010f2e761f05b0223a1ec52b9d" ;
    skos:note "Entering into a scheme to avoid application of provisions" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.21" ;
    cml:asserts concept:c2023c00239-sch-3-sec-158t-norm .
concept:c2023c00239-sch-3-sec-158t-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-158t ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-3-sec-158t cml:asserts concept:c2023c00239-sch-3-sec-158t-logic-deontic-1 .
concept:c2023c00239-sch-3-sec-158t-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibits entering into a scheme to avoid application of provisions" ;
    cml:premiseText "The person must not enter into, begin to carry out or carry out the scheme." ;
    cml:conclusionText "The scheme is prohibited." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158t cml:asserts concept:c2023c00239-sch-3-sec-158t-logic-ltl-2 .
concept:c2023c00239-sch-3-sec-158t-logic-ltl-2 a cml:LogicApplication ;
    cml:modality cml:LTL ;
    cml:operator "Trace" ;
    cml:logicSummary "Traces the scheme to its prohibited nature" ;
    cml:premiseText "The scheme has achieved, or apart from this section, would achieve, that purpose." ;
    cml:conclusionText "The scheme is traced to its prohibited nature." ;
    cml:executionSurface "modalities::temporal_ltl" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158t cml:asserts concept:c2023c00239-sch-3-sec-158t-logic-deontic-3 .
concept:c2023c00239-sch-3-sec-158t-logic-deontic-3 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibits the person from entering into a scheme" ;
    cml:premiseText "The person must not enter into, begin to carry out or carry out the scheme." ;
    cml:conclusionText "The person is prohibited from entering into a scheme." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-3-sec-158t cml:asserts concept:c2023c00239-sch-3-sec-158t-logic-deontic-4 .
concept:c2023c00239-sch-3-sec-158t-logic-deontic-4 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibits the persons who entered into, began to carry out or carried out the scheme from doing so" ;
    cml:premiseText "The person must not enter into, begin to carry out or carry out the scheme." ;
    cml:conclusionText "The persons are prohibited from entering into, beginning to carry out or carrying out the scheme." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-3-sec-6 a cml:Concept ;
    skos:prefLabel "6 In the appropriate position"@en ;
    cml:realizedBy doc:sch-3-sec-6 ;
    cml:integrityHash "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4" ;
    skos:note "Insert in an appropriate position" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.22" ;
    cml:asserts concept:c2023c00239-sch-3-sec-6-norm .
concept:c2023c00239-sch-3-sec-6-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-3-sec-6 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-1 a cml:Concept ;
    skos:prefLabel "1 Definitions"@en ;
    cml:realizedBy doc:sch-10-sec-1 ;
    cml:integrityHash "b64ed620d631a163c75acdb94d37a40cc7a2b04938a13c058ba923e0d48e9d3e" ;
    skos:note "Defines 'amending Act'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.22" ;
    cml:asserts concept:c2023c00239-sch-10-sec-1-norm .
concept:c2023c00239-sch-10-sec-1-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-1 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-10-sec-1 cml:asserts concept:c2023c00239-sch-10-sec-1-logic-descriptionlogic-1 .
concept:c2023c00239-sch-10-sec-1-logic-descriptionlogic-1 a cml:LogicApplication ;
    cml:modality cml:DescriptionLogic ;
    cml:operator "is-a" ;
    cml:logicSummary "Class hierarchy" ;
    cml:premiseText "In this Schedule:" ;
    cml:conclusionText "amending Act means the Financial Sector Reform (Hayne Royal Commission Response—Protecting Consumers (2019 Measures)) Act 2020." ;
    cml:executionSurface "modalities::dl" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-2 a cml:Concept ;
    skos:prefLabel "2 Application of best interests obligations"@en ;
    cml:realizedBy doc:sch-10-sec-2 ;
    cml:integrityHash "9eb9cef2b51b209d43c8e0909b1fcf90ff0172d1047c54ddd314f6d7fb385918" ;
    skos:note "Division 2 of Part 3-5A applies to credit assistance on or after July 1, 2020." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.22" ;
    cml:asserts concept:c2023c00239-sch-10-sec-2-norm .
concept:c2023c00239-sch-10-sec-2-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-2 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-10-sec-2 cml:asserts concept:c2023c00239-sch-10-sec-2-logic-deontic-1 .
concept:c2023c00239-sch-10-sec-2-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "applies" ;
    cml:logicSummary "Division applies to credit assistance" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-3 a cml:Concept ;
    skos:prefLabel "3 Application of ban on conflicted remuneration"@en ;
    cml:realizedBy doc:sch-10-sec-3 ;
    cml:integrityHash "33883758dc439711c26cd920bed773576970433e36af0492411ad8638be8af68" ;
    skos:note "Ban on conflicted remuneration applies to benefits given after July 1, 2020." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.22" ;
    cml:asserts concept:c2023c00239-sch-10-sec-3-norm .
concept:c2023c00239-sch-10-sec-3-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-3 ;
    values:borneBy values:State ;
    skos:scopeNote "borne by: State" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-10-sec-3 cml:asserts concept:c2023c00239-sch-10-sec-3-logic-deontic-1 .
concept:c2023c00239-sch-10-sec-3-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibits benefits given after July 1, 2020." ;
    cml:premiseText "(1)" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-10-sec-3 cml:asserts concept:c2023c00239-sch-10-sec-3-logic-alleninterval-2 .
concept:c2023c00239-sch-10-sec-3-logic-alleninterval-2 a cml:LogicApplication ;
    cml:modality cml:AllenInterval ;
    cml:operator "Overlaps" ;
    cml:logicSummary "Benefits given after July 1, 2020, overlap with the ban on conflicted remuneration." ;
    cml:premiseText "(1)" ;
    cml:executionSurface "modalities::interval_reasoning" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-7 a cml:Concept ;
    skos:prefLabel "7 Subsection 5(1)"@en ;
    cml:realizedBy doc:sch-10-sec-7 ;
    cml:integrityHash "f6b58488aa4c68f908fff605e39da74825be4d3c0f54fa2a6d2aec353a06ab85" ;
    skos:note "Definition of indirect remuneration" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.23" ;
    cml:asserts concept:c2023c00239-sch-10-sec-7-norm .
concept:c2023c00239-sch-10-sec-7-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-7 ;
    values:borneBy values:LegalPerson ;
    skos:scopeNote "borne by: LegalPerson" ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-10-sec-7 cml:asserts concept:c2023c00239-sch-10-sec-7-logic-deontic-1 .
concept:c2023c00239-sch-10-sec-7-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "=" ;
    cml:logicSummary "Defines a term" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .

concept:c2023c00239-sch-10-sec-7 cml:asserts concept:c2023c00239-sch-10-sec-7-logic-descriptionlogic-2 .
concept:c2023c00239-sch-10-sec-7-logic-descriptionlogic-2 a cml:LogicApplication ;
    cml:modality cml:DescriptionLogic ;
    cml:operator "=" ;
    cml:logicSummary "Applies to definitions" ;
    cml:executionSurface "modalities::dl" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-8 a cml:Concept ;
    skos:prefLabel "8 Paragraph 92(e)"@en ;
    cml:realizedBy doc:sch-10-sec-8 ;
    cml:integrityHash "48106c15a363a29d5dc111b2c06c4f696416520795e431deccb8dcdb13ceac9f" ;
    skos:note "Omit 'commissions' and substitute 'indirect remuneration'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.23" ;
    cml:asserts concept:c2023c00239-sch-10-sec-8-norm .
concept:c2023c00239-sch-10-sec-8-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-8 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-10-sec-8 cml:asserts concept:c2023c00239-sch-10-sec-8-logic-deontic-1 .
concept:c2023c00239-sch-10-sec-8-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibits the use of 'commissions'" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-9 a cml:Concept ;
    skos:prefLabel "9 Section 111 (paragraph beginning “Division 5”)"@en ;
    cml:realizedBy doc:sch-10-sec-9 ;
    cml:integrityHash "1a3ecaa823bb26a31d05b6ee34fc2523ca718186d38ab406a21d896c0b1e19b4" ;
    skos:note "Substitute 'indirect remuneration' for 'commission'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.23" ;
    cml:asserts concept:c2023c00239-sch-10-sec-9-norm .
concept:c2023c00239-sch-10-sec-9-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-9 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-10-sec-9 cml:asserts concept:c2023c00239-sch-10-sec-9-logic-deontic-1 .
concept:c2023c00239-sch-10-sec-9-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Obligation" ;
    cml:logicSummary "Imposes an obligation" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-10 a cml:Concept ;
    skos:prefLabel "10 Subparagraph 113(2)(g)(i)"@en ;
    cml:realizedBy doc:sch-10-sec-10 ;
    cml:integrityHash "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0" ;
    skos:note "Substitute 'indirect remuneration' for 'commissions'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.23" ;
    cml:asserts concept:c2023c00239-sch-10-sec-10-norm .
concept:c2023c00239-sch-10-sec-10-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-10 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-11 a cml:Concept ;
    skos:prefLabel "11 Subparagraph 113(2)(g)(ii)"@en ;
    cml:realizedBy doc:sch-10-sec-11 ;
    cml:integrityHash "f022865a1edcd6492f130341c87c79255499b650a8390f2a5532a2be50260bb1" ;
    skos:note "Omit 'those commissions', substitute 'that indirect remuneration'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.23" ;
    cml:asserts concept:c2023c00239-sch-10-sec-11-norm .
concept:c2023c00239-sch-10-sec-11-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-11 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-12 a cml:Concept ;
    skos:prefLabel "12 Subparagraphs 113(3)(b)(i) and (ii)"@en ;
    cml:realizedBy doc:sch-10-sec-12 ;
    cml:integrityHash "48106c15a363a29d5dc111b2c06c4f696416520795e431deccb8dcdb13ceac9f" ;
    skos:note "Omit 'commissions' and substitute 'indirect remuneration'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.23" ;
    cml:asserts concept:c2023c00239-sch-10-sec-12-norm .
concept:c2023c00239-sch-10-sec-12-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-12 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-10-sec-12 cml:asserts concept:c2023c00239-sch-10-sec-12-logic-deontic-1 .
concept:c2023c00239-sch-10-sec-12-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibits the use of 'commissions'" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-13 a cml:Concept ;
    skos:prefLabel "13 Division 5 of Part 3-1 of Chapter 3 (heading)"@en ;
    cml:realizedBy doc:sch-10-sec-13 ;
    cml:integrityHash "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0" ;
    skos:note "Omit 'commissions', substitute 'indirect remuneration'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.23" ;
    cml:asserts concept:c2023c00239-sch-10-sec-13-norm .
concept:c2023c00239-sch-10-sec-13-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-13 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-14 a cml:Concept ;
    skos:prefLabel "14 Section 121 (heading)"@en ;
    cml:realizedBy doc:sch-10-sec-14 ;
    cml:integrityHash "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0" ;
    skos:note "Substitute 'indirect remuneration' for 'commissions'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.23" ;
    cml:asserts concept:c2023c00239-sch-10-sec-14-norm .
concept:c2023c00239-sch-10-sec-14-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-14 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-15 a cml:Concept ;
    skos:prefLabel "15 Paragraph 121(2)(b)"@en ;
    cml:realizedBy doc:sch-10-sec-15 ;
    cml:integrityHash "ed6e149b2a921e358e4377e8033fb451e1459a3d2f8a13b4ebc9e7962ff509bc" ;
    skos:note "Substitute 'indirect remuneration' for 'commissions'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.23" ;
    cml:asserts concept:c2023c00239-sch-10-sec-15-norm .
concept:c2023c00239-sch-10-sec-15-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-15 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-16 a cml:Concept ;
    skos:prefLabel "16 Paragraphs 121(3)(a) and (b)"@en ;
    cml:realizedBy doc:sch-10-sec-16 ;
    cml:integrityHash "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0" ;
    skos:note "Omit 'commissions', substitute 'indirect remuneration'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.24" ;
    cml:asserts concept:c2023c00239-sch-10-sec-16-norm .
concept:c2023c00239-sch-10-sec-16-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-16 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-17 a cml:Concept ;
    skos:prefLabel "17 Section 134 (paragraph beginning “Division 5”)"@en ;
    cml:realizedBy doc:sch-10-sec-17 ;
    cml:integrityHash "1a3ecaa823bb26a31d05b6ee34fc2523ca718186d38ab406a21d896c0b1e19b4" ;
    skos:note "Omit 'commission', substitute 'indirect remuneration'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.24" ;
    cml:asserts concept:c2023c00239-sch-10-sec-17-norm .
concept:c2023c00239-sch-10-sec-17-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-17 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-18 a cml:Concept ;
    skos:prefLabel "18 Subparagraph 136(2)(g)(i)"@en ;
    cml:realizedBy doc:sch-10-sec-18 ;
    cml:integrityHash "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0" ;
    skos:note "Omit 'commissions', substitute 'indirect remuneration'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.24" ;
    cml:asserts concept:c2023c00239-sch-10-sec-18-norm .
concept:c2023c00239-sch-10-sec-18-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-18 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-19 a cml:Concept ;
    skos:prefLabel "19 Subparagraph 136(2)(g)(ii)"@en ;
    cml:realizedBy doc:sch-10-sec-19 ;
    cml:integrityHash "f022865a1edcd6492f130341c87c79255499b650a8390f2a5532a2be50260bb1" ;
    skos:note "Omit 'those commissions', substitute 'that indirect remuneration'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.24" ;
    cml:asserts concept:c2023c00239-sch-10-sec-19-norm .
concept:c2023c00239-sch-10-sec-19-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-19 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-20 a cml:Concept ;
    skos:prefLabel "20 Subparagraphs 136(3)(b)(i) and (ii)"@en ;
    cml:realizedBy doc:sch-10-sec-20 ;
    cml:integrityHash "48106c15a363a29d5dc111b2c06c4f696416520795e431deccb8dcdb13ceac9f" ;
    skos:note "Omit 'commissions' and substitute 'indirect remuneration'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.24" ;
    cml:asserts concept:c2023c00239-sch-10-sec-20-norm .
concept:c2023c00239-sch-10-sec-20-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-20 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-10-sec-20 cml:asserts concept:c2023c00239-sch-10-sec-20-logic-deontic-1 .
concept:c2023c00239-sch-10-sec-20-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibits the use of 'commissions'" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-21 a cml:Concept ;
    skos:prefLabel "21 Division 5 of Part 3-3 of Chapter 3 (heading)"@en ;
    cml:realizedBy doc:sch-10-sec-21 ;
    cml:integrityHash "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0" ;
    skos:note "Substitute 'indirect remuneration' for 'commissions'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.24" ;
    cml:asserts concept:c2023c00239-sch-10-sec-21-norm .
concept:c2023c00239-sch-10-sec-21-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-21 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-22 a cml:Concept ;
    skos:prefLabel "22 Section 144 (heading)"@en ;
    cml:realizedBy doc:sch-10-sec-22 ;
    cml:integrityHash "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0" ;
    skos:note "Substitute 'indirect remuneration' for 'commissions'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.24" ;
    cml:asserts concept:c2023c00239-sch-10-sec-22-norm .
concept:c2023c00239-sch-10-sec-22-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-22 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-23 a cml:Concept ;
    skos:prefLabel "23 Paragraph 144(2)(b)"@en ;
    cml:realizedBy doc:sch-10-sec-23 ;
    cml:integrityHash "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0" ;
    skos:note "Omit 'commissions', substitute 'indirect remuneration'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.24" ;
    cml:asserts concept:c2023c00239-sch-10-sec-23-norm .
concept:c2023c00239-sch-10-sec-23-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-23 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-24 a cml:Concept ;
    skos:prefLabel "24 Paragraphs 144(3)(a) and (b)"@en ;
    cml:realizedBy doc:sch-10-sec-24 ;
    cml:integrityHash "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0" ;
    skos:note "Omit 'commissions', substitute 'indirect remuneration'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.24" ;
    cml:asserts concept:c2023c00239-sch-10-sec-24-norm .
concept:c2023c00239-sch-10-sec-24-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-24 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-25 a cml:Concept ;
    skos:prefLabel "25 Subparagraph 158(2)(g)(i)"@en ;
    cml:realizedBy doc:sch-10-sec-25 ;
    cml:integrityHash "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0" ;
    skos:note "Omit 'commissions', substitute 'indirect remuneration'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.24" ;
    cml:asserts concept:c2023c00239-sch-10-sec-25-norm .
concept:c2023c00239-sch-10-sec-25-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-25 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-26 a cml:Concept ;
    skos:prefLabel "26 Subparagraph 158(2)(g)(ii)"@en ;
    cml:realizedBy doc:sch-10-sec-26 ;
    cml:integrityHash "b948123c1cb07b6a5fa146e2edbd1124ca6a2c55b06f095c0bbb3e91cc8078ce" ;
    skos:note "Omit “those commissions”, substitute ‘that indirect remuneration’." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.24" ;
    cml:asserts concept:c2023c00239-sch-10-sec-26-norm .
concept:c2023c00239-sch-10-sec-26-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-26 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-27 a cml:Concept ;
    skos:prefLabel "27 Subparagraphs 158(3)(b)(i) and (ii)"@en ;
    cml:realizedBy doc:sch-10-sec-27 ;
    cml:integrityHash "48106c15a363a29d5dc111b2c06c4f696416520795e431deccb8dcdb13ceac9f" ;
    skos:note "Omit 'commissions' and substitute 'indirect remuneration'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.25" ;
    cml:asserts concept:c2023c00239-sch-10-sec-27-norm .
concept:c2023c00239-sch-10-sec-27-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-27 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-10-sec-27 cml:asserts concept:c2023c00239-sch-10-sec-27-logic-deontic-1 .
concept:c2023c00239-sch-10-sec-27-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibits the use of 'commissions'" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-28 a cml:Concept ;
    skos:prefLabel "28 Subparagraph 160B(2)(a)(i)"@en ;
    cml:realizedBy doc:sch-10-sec-28 ;
    cml:integrityHash "2b5a94b2967f900c6b727dc2b3ff6434bc1e50be0ab8d9c42b0eac7d5eb9386c" ;
    skos:note "Omit specific wording from a provision." ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.25" ;
    cml:asserts concept:c2023c00239-sch-10-sec-28-norm .
concept:c2023c00239-sch-10-sec-28-norm a values:Prohibition ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-28 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-10-sec-28 cml:asserts concept:c2023c00239-sch-10-sec-28-logic-deontic-1 .
concept:c2023c00239-sch-10-sec-28-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Prohibit" ;
    cml:logicSummary "Prohibits the specified action." ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-29 a cml:Concept ;
    skos:prefLabel "29 Paragraph 160B(2)(d)"@en ;
    cml:realizedBy doc:sch-10-sec-29 ;
    cml:integrityHash "e32bd8ab864861964c23a979beed300f4473970a502e0b36e88369f4d85d18c8" ;
    skos:note "Substitute 'indirect remuneration' for 'commission'" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.25" ;
    cml:asserts concept:c2023c00239-sch-10-sec-29-norm .
concept:c2023c00239-sch-10-sec-29-norm a values:Obligation ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-29 ;
    values:borneBy values:Agent ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-10-sec-29 cml:asserts concept:c2023c00239-sch-10-sec-29-logic-deontic-1 .
concept:c2023c00239-sch-10-sec-29-logic-deontic-1 a cml:LogicApplication ;
    cml:modality cml:Deontic ;
    cml:operator "Obligation" ;
    cml:logicSummary "Substitute 'indirect remuneration' for 'commission'" ;
    cml:executionSurface "modalities::logic::deontic" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-17-2 a cml:Concept ;
    skos:prefLabel "17 Feb"@en ;
    cml:realizedBy doc:sch-10-sec-17-2 ;
    cml:integrityHash "cc7d436ef98599dc9ad48c28f53b4f71b32aeca8b5c875a6f8a1767057a27c9f" ;
    skos:note "Commencement dates for Treasury Laws Amendment (Modernising Business Communications and Other Measures) Act 2023" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.29" ;
    cml:asserts concept:c2023c00239-sch-10-sec-17-2-norm .
concept:c2023c00239-sch-10-sec-17-2-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-17-2 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .
concept:c2023c00239-sch-10-sec-17-2 cml:asserts concept:c2023c00239-sch-10-sec-17-2-logic-alleninterval-1 .
concept:c2023c00239-sch-10-sec-17-2-logic-alleninterval-1 a cml:LogicApplication ;
    cml:modality cml:AllenInterval ;
    cml:operator "Applicable" ;
    cml:logicSummary "Requires temporal intervals for commencement dates" ;
    cml:premiseText "Commencement dates are specified" ;
    cml:conclusionText "Undertaking" ;
    cml:executionSurface "modalities::interval_reasoning" ;
    cml:confidence "1.0000"^^xsd:decimal ;
    cml:curationStatus cml:Proposed .


concept:c2023c00239-sch-10-sec-14-2 a cml:Concept ;
    skos:prefLabel "14 Sept"@en ;
    cml:realizedBy doc:sch-10-sec-14-2 ;
    cml:integrityHash "b6049b73cdf163a3c2e54577e44036fdc58453b97c184481bb9d0e492c90446e" ;
    skos:note "Conditional commencement of Schedule 1 item 10" ;
    cml:curationStatus cml:Proposed ;
    cml:schemaVersion "2" ;
    cml:proposedBy <https://ns.webcivics.net/tools/legis2cml> ;
    prov:wasDerivedFrom <c2023c00239.pdf> ;
    dc:source "c2023c00239.pdf, p.29" ;
    cml:asserts concept:c2023c00239-sch-10-sec-14-2-norm .
concept:c2023c00239-sch-10-sec-14-2-norm a values:Undertaking ;
    cml:modality cml:Deontic ;
    values:partOf concept:c2023c00239-sch-10-sec-14-2 ;
    values:deonticStatus values:HeuristicDerived ;
    cml:curationStatus cml:Proposed .