Hi Budda - hey you are right, but back then the endorsement was 18K and no help. I guess time comes in to play - and at least now, its down to 10K instead of 19.4K or the other option i mentioned.
But again i do acknowledge your input - its just that i couldn't hold out to get in that line any longer. Circumstances in my life at the time permitted this option to be taken and green light given.
Cheers mate...