Ann: IHL SCHEME BOOKLET REGISTERED WITH ASIC, page-56

I'm not arguing. I'm trying to find a solution for the millions left scratching their heads, wondering where the answers are! If you think sending out a 250 page document detailing every last item will do, you are wrong! We need daily updates from Joel himself. I am shocked he is not responding personally to the questions raised on hotcopper threads. Not good enough!