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  • Road[ edit ] Hume Highway internal bypass running beside the railway station Situated on the old Hume HighwayAlbury is a major transit point for interstate commerce.

    From MarchAlbury was bypassed by the new Hume Freeway. Inthe Smollett Street wrought iron arch bridge was constructed over Bungambrawatha Creek.

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    Smollet Street was extended westward through the botanical gardens to give direct access from the Albury Railway Station to Howlong Road by a straight street.

    The bridge is near the botanic gardens and the local swimming pool.

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    The bridge is a rare example of a metal arch bridge in New South Wales, and is the oldest of only two such bridges in New South Wales, the other being the Sydney Harbour Bridge. Originally, New South Wales and Victoria had different track gaugeswhich meant that all travellers in either direction had to change trains at Albury.

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    The tracks and long platform Inthe 5-footinch 1. Inthe New South Wales 4-foot Albury became the stop over, where passengers on the Melbourne-Sydney journey changed trains untilwhen a standard gauge track was opened between the two capitals.

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    After World War II, in an attempt to overcome the difference in gauges and speed up traffic, a bogie exchange device lifted freight wagons and carriages allowing workers to refit rolling stock with different gauged wheel-sets. The break of railway gauge at Albury was a major impediment to Australia's war effort and infrastructure during both World Wars, as every soldier, every item of equipment, and all supplies had to be off-loaded from the broad gauge and reloaded onto a standard gauge railway wagon on the opposite side of the platform.

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    In his book Tramps Abroad, writer Mark Twain spoke of the break of gauge at Albury and changing trains: Think of the paralysis of intellect that gave that idea birth". Similar stores were also established at Tocumwal and Oaklands. The report covers the market landscape and its growth prospects over the coming years.

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    The report also includes a discussion of the key vendors operating in this market. Forecasts and Opportunities", report examines the retail deposit market in Australia, analyzing how market forces will influence customers' ability and willingness to save, what impact new products, innovations, and strategies will have on the savings market, and consumer attitudes towards saving and personal finance.

    Growth is slowing in the market as under-employment, low wage inflation, and low APRs have taken their toll, and these factors will continue to constrain growth in the near future.

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    Sharper targeting of those consumers with the fastest-growing deposit values, such as the overs, is therefore required to ensure adequate funding of retail banks' balance sheets.

    For more information about this report at http: Reasons to buy - What are the factors that will affect the savings market in and beyond- - What strategies will be most effective in attracting new retail deposits- - Which new savings innovations are being introduced to the market- - How much of an impact will regulatory developments have on the operation of the Australia deposit market- - How will consumers' desire to increase their savings interact with a challenging economic climate- - How will the latest consumer behavioral trends affect the products demanded in the retail savings market- - How can financial services providers acquire new deposit customers- Request a sample copy at http: Australia's retail deposit market still offers growth opportunity 2 1.

    Key findings 2 1. Critical success factors 2 2. By retail deposits will have grown by almost half a trillion dollars 4 2. Australia's retail savings will grow more slowly, requiring more refined customer targeting 4 2.

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    Deposits will grow as a share of national savings, mainly due to the expected increase in rates 8 2. Certificates of deposit are in long-term decline due to low rates 9 2.

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    Deposits in transaction accounts and instant-access savings or cash management accounts have grown 9 2. The shift in deposit products is the result of a convergence in APRs as rates have declined 10 2. Regional deposit markets are heavily skewed towards the largest states 12 2.

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    The East coast dominates the deposit market with little change forecast 12 2. Total deposit growth is largely dependent upon average deposit growth in such a mature market 13 3.

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    Macroeconomic conditions are mixed, moderating growth 15 3. Net saving by households is trending down from its post-financial crisis highs, though it remains elevated 15 3.