Usually ala telstra QR national etc, they put a limit of say $250K max for retail anything over that is seen as ins to: provided there is a say 10c discount to retail compared to Instos. Not sure in medibank's case. If they don't go with a retail Limit, then we are in the money: so we can apply and get from every broker and can get what we want. If i am Fed Govt, I would do this to starve the instos, as they have to buy to keep their indexations. If that happens, This could fly like telstra 1 which gave I think 30% + Stag I believe!
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