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Very large and persistently intimidating black fly about 28mm long with thick white setae under the abdomen.
Higher country in a state park. Above 400 metres estimated. Bunyip State Park.
Refused to take warnings and insisted on biting my steel capped boots. :) Luckily it never thought to try much above ground level.
Called horse-flies in USA and March flies here.
Yet to search for genus/species... matbe Scaptia