Lakshmi, the post where you are "not insulting any one" and "are not at all bitter" is absolute rubbish and is contradictory. Please stop wasting everyones time and go back to reading the Herald Sun finance pages. Stand by your convictions and stop unloading your drivel.
This is the worst thread on Hotcopper I have seen and is factually wrong in so many places I do not know where to begin.....