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Thanks, grossreal. I very much appreciate your comments. The 'big picture' is clearer. Please let me get you a scotch when the opportunity arises. regards,

Hi, Dazz. The bank wants to see some repayments on the loans. Such as going to P&I when some fixed interest rate periods expire next year. So, that will happen unless you pay out the loans. There is a fair bit of notice and you can plan for it. If it is acceptable for you, even if unwelcome...