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thanks again Mark, hope you enjoyed your weekend - i was not really happy with my previous IP because of the time delay they put us thro for nothing s...

sorry mark - just read my last response and didn't mean it to sound so sharp and to the point - like most people we went thro a lot of varying emotion...

thanks for that - not really what i wanted to hear but would it be the case that i would only have to give the trustee the surrender value at the date...