Queen's Personal Flag for New Zealand the same basic pattern used by queen across several other realms since the 1960s: it is the escutcheon of a country's coat of arms (e.g. the arms of New Zealand) in banner form defaced with a device taken from her personal flag (a blue roundel surrounded by a garland of roses encircling a crowned letter 'E', all in gold). The flag is divided into four quadrants: The first quadrant includes depicts four stars as representative of the Southern Cross constellation, as depicted on the national flag. The second quadrant consists of a golden fleece on a red field. The third
Southern Cross Healthcare Group (New Zealand) government contribution towards hospital costs of those opting for private care was not sufficient. The President of the New Zealand Private Hospitals’ Association, Dr Jefcoate Harbutt, began to make “serious inquiries about the formation of a New Zealand health insurance organisation”. Dr Harbutt, along with Auckland chartered accountant Don Carnachan and a group of Auckland surgeons led by Dr Warwick Macky, set about establishing the organisation that would eventually become Southern Cross Medical Care Society, which was officially founded in May 1961. Throughout the 1960s, Southern Cross’ growth was modest, but during 1970s it grew rapidly, putting pressure on private