Good morning. Annabel Bowles and Maddie Nixon here with today's AM newsletter.

An exclusive ABC investigation takes you inside the secret money laundering machine sending tobacco cash offshore, through which jailed tobacco kingpin Kazem Hamad is allegedly reaping riches.

Plus, how Australia's mortgages compare to other countries' and climate lessons from one of the planet's most pristine wetlands.

Tobacco cartels: Australia's illicit tobacco trade has become so lucrative that criminal overlords have built a secret pipeline suspected of smuggling tens of millions of dollars overseas.

The sophisticated money laundering network spans multiple states and is believed to be washing huge sums for the major cartels, including banished Iraqi kingpin Kazem Hamad.

Law enforcement sources say the pipeline is believed to have funnelled cash out of the country by exploiting private ATMs, payment platforms and suburban businesses using an ancient money transfer method favoured by terrorists.

Read more of this exclusive investigation here.

Mortgages: Research has found Australians would benefit from longer fixed-rate home loans, similar to the US, South Korea and the European Union, where fixed-rate mortgages between 10 and 50 years are commonplace.

Analysis: Unless you're Pauline Hanson, the migration debate can be a dangerous sinkhole where figures and justifications get easily lost, writes Michelle Grattan.

Climate lessons: Botswana's pristine wetlands and waterways are teaching Australians about climate change, over-extraction and conservation.

Eight years after making her international debut, Sophie Molineux is now Australia's cricket captain. But there are two sides to Soph.

The down-to-earth, level-headed qualities that come in handy when she's on the field.

And the outgoing, bubbly personality that her teammates know well.

During her six months in the job as the nation's newest captain, this contrast has made a real impact.

Singapore has launched a new dating app for government workers to boost a record-low fertility rate and declining marriage rates.

FirstDate sees civil servants answer questions about their lives before a Nobel-prize winning algorithm attempts to match compatible people.

But, experts aren't convinced it will work.

Australia's illicit tobacco trade has become so lucrative that criminal overlords have built a secret pipeline suspected of smuggling tens of millions of dollars overseas.

With most Australian mortgages being variable loans and interest rates at a 15-year high, experts weigh in on different approaches to mortgages in other parts of the world.

In the furious debate about migration policy, figures and justifications get easily lost in a quagmire of vocal stakeholders, potential losers and outcomes that may not stand the test of the real world. 

More children are turning to AI chatbots when they are sexually victimised online and the federal police commissioner says parents and the community need to step up their support.