P.S I have been called a smart ass many times before because what I have had to say is right.I hope for all JBM holders including myself I am right again.A dividend of 20+ cents in February yes I am planning ways to spend it already.Dividends I believe are a great idea. MOst people would be better off if they recieved them.100% franking doesn't hurt too.Yes it always good to avoid tax.50% capital gains discounts come in handy if you make money.Cheers.