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No study, just reality...............or at least my experience, which may not be everyone's reality I agree. I dont dispute for one minute the dollars being paid for education. .......different beast to planning though. Planning is well regulated............. "education is barely so"...

Objectively I can understand that question.............the obvious retort would be, with your great resources and age advantage, why arent you retired today :), but that wouldnt be PC, nor acceptable sales practice :( Im going to go out on a limb here............and I may cop a caning but...

sad state of affairs really Australians are historically really really bad at paying for anything directly.......... ta rolf

Well done I say on 3 fronts 1. Miles ahead of normal folks with 7ips "fully paid off" 2. You have obviously done something with ur resources that has really worked 3. That you are looking at other options and understand that " you dont know, what you dont know. I am making an...