Advertisements in a daily newspaper by Pioneering Homes Pty Ltd referred to land and house packages on payment of $1000 deposit and $120-$140 weekly repayments. The advertisement didn't disclose that at some time between one and three years after the settlement date, long-term finance would be substituted for the temporary finance, and that repayments could be expected to rise to just above $175 per week. Do the advertisements contravene the ACL? If they do, which section and why?