Algie,
I am not sure where you are coming from; your first post on this thread looks like a bunch a questions from a Lawyer.
Your handle has you from Brisbane, but you no longer live in Australia.
You are not a member:
.....but I have had a long career with peace of mind knowing the MBF is there.
If you are not a member why would you use that statement and post in the way you have?
Sui Generis