Vista, no problem to voicing opinions. Sharing or passing on qualified advice can be useful, particularly during new, complex and largely untested new laws. We're all in this together. As the FA's on this thread posed questions to me, I got in contact with trusted advisors who helped me research for the FA's (who are friends and colleagues) and then posted info. Brettslave has led the way, move on, so it's over to the FA's now to stand firm on what they want, time to step back and leave it to them. If they want qualification on the laws or contracts, over to them.