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Hi Buzz Large Medium to Large Medium Small to Medium Small Standard operating costs which vary from lender to lender are estimated and included as expense. No good saying 'one owner, only drives to Church on Sundays', own a car (any car) and the lender will estimate the running...

This link http://www.salpac.com.au/WatchOut.asp may be of interest. SalPac Administration Pty Ltd has advice on all sorts of issues including a 'Watch Out' file