d_giff - I agree completely, not worth the hassle of saving a few $$ if you ask me.
Neil - not to say you are trying to mislead the forum, as some of the advice I have received from 'professionals' has been so wrong it's shocking. Some of these guys (having worked with them) if pressed hard enough will 'discover' a way to give you your desired outcome to keep your business - especially if you are a large client. But rest assured when the commissioner comes knocking on the door the ball is completely in your court, and from what I have seen - he's not much fun!!
Thanks to the ANZAC's today - indebted forever....
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