Well, I’ve lived up to my Lilliputian Brain name by managing to mess up posting a reply. This is third time lucky! Thanks, Jamie. It’s a little too late for me as there’s very little left to pay on my PPOR, but I’m forewarned now and will be able to advise younger family members. I appreciate the time you took to explain the concept so clearly.

That was quick, Mike.Thanks so much. How fabulous are you?!