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I dont know if you'd get the same response from ML these days. Remember, what was once fashionable or sensible at the time, is now proven to be a no no. Cigarette Smoking is one such thing, but with the speed of information and product change, even in financial circles some things that...

and that makes sense. I dont expect anyone ( here at least) to have a dogmatic approach to no xcoll per se. We use Xcoll or retain it for legacy/inherited clients once a week at least. ta rolf

The latter provides more flex for almost all scenarios Ta Rolf