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thank you all for your helpful information... I will keep this in mind. 🙂

hi tda, i am intrigued as my td advisor doesnt help - I email him and he never replies... if I decided to take on credit then do I have to tell my td...

thats great to know... many thanks tda and mark 🙂

thats ok then... good to know when we decide to take the plunge... many thanks 🙂