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http://www.efm.info/ FYI If not posted already.

Rolf Thank you for reposting the pdf.

gross Your comments/aims are noted. I've been watching this thread with great interest, as have probably a lot of the other forumites, and quite often, as I think you are alluding to every answer then brings out another question. Last night I rang my friendly Adelaide Bank contact...

grossreal While I believe you are typing as you think (I do the same thing) I must agree with Hobo-jo that if you could maybe hit the enter key after each thought it might make your posts more readable, as there are a lot of valid points in them which I think the forum is missing on.