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Dear Geoff, Your posting of the previous links is certainly useful. However despite all of Gail H's discussion the point is that if you choose not to be identified, then on this forum all discussion on risk becomes irrelevant. If you post your real name, phone number, address etc etc...

Dear Geoff, Part of my reason for posting on this was that Economic and I had detailed discussion with regards to whether he posted. I take my hat off to him for having the courage to post information which will help other people on this forum and perhaps get NII to rethink it's marketing...

Dear Geoff, Personally I feel that the whole issue of lawsuits is well overdone and a whole scare tactic. Should one person be scared for writing or doing anything simply because they are scared whether someone will sue them at sometime in their lives? (Should you be scared by something...

Dear Economic, Congrats on taking the courage to put up this post. I appreciate you taking this important step. Feel free to ask for more help anytime mate. Cheers, Sunstone.