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Many thanks for the explanation Ian. I thought I may have missed something other than the SANF. Sunshine

Hey Rixter - I have always been variable. Maybe I am missing something, can you please fill me in on the purpose of locking in rates please. Michael I thought it may have been a 1% last time, so I reckon it will be 1% next month. Even if i am wrong I will be very happy with the .75%...