Perhaps you forgot to mention that COMMSEC provides for "early settlement", i.e. you can force ssettlement and balance yiour account by asking for early settlement and paying the fee (under $100). With this option, you can settle on any T+ day up to t+3 provided you sell to make up the funds needed and ask for the early settlement before the market closes.
Check with COMMSEC help desk to see if you are eligible before considering using this facility...
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