Well that was an interesting exercise!!!  I did the test twice.  First I entered our home as listed, with the corresponding debt that goes with it, completed the rest etc, and got a score of 17!!  Damn.   Then I redid the test, and because we are living overseas and have the house rented, I put it in the property investment section, with the other properties.  New score: 965!!!!  Very interesting, and I'm sure there's some sort of lesson there.  Thanks for the thought provoking exercise   (Crikey – this is my first time in the forums – love the emoticons!!!  )