[koalakids]

Thank you Richard for taking the time to give us all an update and remind us of our options.
It's not an easy decision and one I'm sure that will give many of us something to puzzle over for possibly quite sometime to come.

I'm sure your information will help us to make more of an informed decision one way or the other.

I do suspect that most will sit this one out for a while and see which way the rate goes.

Cheers,

Steve.