Changes taking effect this week should remove some of the emotion that drives people to act as a guarantor on a loan being taken out by a child or loved one, the Australian Banking Association (ABA) says. Under industry-wide changes that started on Monday, banks will require a three-day cooling off period before people who want to guarantee someone else’s debt can be allowed to do so. Click here to read the full article by Clancy Yeates on The Sydney Morning Herald.