| Good morning, Peter Spencer-Franks and his wife had a $1m savings pot and planned to retire when they turned 60 last year. With the collapse of First Guardian, retirement may no longer be an option. Cliona O'Dowd speaks to victims of the financial scandal. Meanwhile, the Victorian government has contracted EY Parthenon to handle two secret safety net plans for the state’s Yallourn and Loy Yang A coal power stations. And BHP will look to electrify its mining operations with the help of Chinese car maker BYD, and Hong Kong-listed battery heavyweight CATL. | 