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Very true. The cuts are coming thick and fast. People may even feel sorry for us shortly. They may even have some loyalty and write their business through us after picking our brains instead of going direct to the lender (migrtaions agents aren't the only one who suffer from this curse) ;)

I'm with the Bear. Ask your broker nicely if this is true. If they are still of a differing opinion maybe it's time to look for another (not me).