Welldone ! Didn't get my top up today, but did a lot of research not just on SDL but the forecasts for the All Ords and the Oz economy next year, of course there is uncertainty, but we are due for a big catch up year, and this made my decision final, regardless of what SDL opens at on Tuesday, i'm in for the final top up, then that's it.........good luck for 2011 all of you and God bless, thanks for the wonderfull posts.
Gabriel.