you can choose 14.5 or 18% I believe it will be closer to 20%, since its been around the 4% mark each quarter....ooops maybe thats just Melb....so around 4% each quarter is 16% for the year... however there are some contingencies for the next 5 months... a change in govnuts will impact.... no rate rises will impact.... worsening stock market will impact all above will improve the property market ie the safety of bricks and mortar oh and the resources tax is the elephant in the room which will impact some regional centres that can grow by 50% plus on sanity that our resources is our lifeblood and some mines will go ahead cheers
