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also this afternoon, energy department spokesman

 They are so successful at their messaging that even three year olds know that you can buy something you can't really afford using debt.Internet giant Google stopped taking ads from payday lenders, putting their products in the same category as illegal drugs, guns and tobacco.While payday lenders are at the extreme end of the lending sector, their advertising tactics are little different to the major banks and non bank lenders.In fact, banks actively target children with "financial education" programs, which happen to also be great ways to acquire customers who may end up with the institution for a lifetime through customer inertia.Commonwealth Bank kids targeted GruenWestpac went as far as targeting parents with accounts for their unborn child, earning the bank a Shonky Award from consumer group Choice.Choice lampoons Westpac accountBut at least the products they are selling to children are savings accounts and, given low levels of household saving are a national economi